Articles on Investments

Use the Calm to Prepare for the Bear

We are in the midst of a rather extraordinary stretch of smooth and positive stock market returns.  It’s been well over a year since we last saw a 5 percent pullback in the S&P 500, dating back to Brexit in June of last year.  This spate of peaceful markets is rare.  According to Guggenheim investments, […]

Should You Invest in ETFs?

If you’re not an experienced investor you may not have heard about ETFs, which are an increasingly common way to invest at a low cost.   We’ll take a close look at ETFs to determine if they are right for you when it comes to saving for your future, including its advantages and pitfalls. Why should […]

Microinvesting: Building Wealth Pennies at a Time

Over the past few years my spending has transitioned from coin and paper to online and plastic.  Periodically I would take the coins that accumulated in my wallet and transfer them to a big jar.  Once the jar was full I would use the coins toward a fun purchase.  Most of the time the money […]

Four Steps If You’re Feeling Nervous About the Markets

With Dow recently crossing 20,000, the general mood among many investors is not euphoric but cautious.  The uncertainty that some see in the new Trump Administration has extended to fear about its impact on world financial markets. The argument goes like this.  We are in the midst of an eight year bull market for US […]

With Trump Elected, Have Your Finances Changed?

Most Boulder County residents, who voted for Clinton by more than a 3 to 1 margin, faced an unpleasant shock in last week’s presidential election.  Moreover, the outcome was unexpected as almost all polls showed Trump firmly in second place on the eve of the election. As the results of the election became clear, world […]

A Simpler Alternative for Adults with Special Needs

For those who raise a child with special needs, there is concern about both today and tomorrow.  Today’s concerns can be securing and affording the right education, caring for the child, and giving them access to the therapies they need to improve their quality of life.  The concerns shift to tomorrow when you wonder whether […]

Are You Invested Wisely? Imagine the Worst.

If I had to know just one thing about an investment portfolio, it would be its overall asset allocation.   The portion of your investments in equities (such as stock mutual funds) and fixed-income (such as bond or stable value funds) tells us more about its performance than anything else. Over long periods it’s mattered much […]

Secret to Building Wealth

-By Dave Gardner The other day I was talking to a CU professor who is nearing retirement.  When she stops working, she won’t have financial worry because of her tremendous job building up her CU retirement plan as well as properties, most of which she owns outright.  While she is well paid by the university, […]