Social Security: Not Just for Retirees

If you’re under 50, you’re probably not counting on Social Security.  This lack of confidence is striking when you consider you’ve been paying into it for your entire working life with up to 6.2 percent of your pay withheld and your employer matching that contribution.  In a Gallup poll of nonretirees in April, 71 percent […]

Irrational Pessimism

The stock market over the past two weeks has left investors moribund with declines in some indexes exceeding 20 percent from the year’s high — official Bear Market territory. While stocks worldwide took significant hits in the wake of the debt ceiling negotiations, the coup de grace was the downgrade of U.S. Treasuries by Standard […]

The Average Investor Trap

If sports were as predictable as poor investor behavior, you would have stopped watching ESPN long ago out of boredom. Think the Lakers win all of the time? The reigning champs are working on their third straight NBA title. As impressive as this is, it’s nothing compared to the equity markets when competing against the […]

Study Gold’s History Before You Invest

Should you invest in gold? Many investors believe that gold is the best investment of all. Late-night ads for gold are commonplace and GLD is now one of the three largest ETFs. Boulder Valley residents have had an appreciation of gold since the big strike in Gold Hill more than 150 years ago. But what […]

So How did Your Stock Portfolio do in 2010?

With 2010 in the books, your inbox and mailbox has already been flooded with annual investment statements. For most of you, it was a positive year thanks to the strong fourth quarter. You would probably say last year went pretty well for your investments. Certainly in absolute terms, this is true for most of us. […]

Be Careful with Advice on 2011’s Hottest Investments

At the end of the year, the financial press is filled with financial retrospectives and prognostications. Pick up your favorite monthly financial magazine and you’re treated to articles that tell you the best stocks and mutual funds to own for 2011. That a calendar event has any bearing on why it may be time to […]

Don’t Get Caught Up in Shady Investments

For Boulder County investors, 2010 has been a year of fraud. We have seen an unprecedented number of seemingly unrelated schemes that have squandered the savings of many unfortunate investors. While this column has covered fraud in the past, this year’s crop merits a fresh look. The latest case surfaced last week when former Boulder […]

Are You Comfortable Taking Risks?

Perhaps the most critical decision you can make about investment management is how much risk to take. Once you have determined an appropriate level of risk, you can start making asset allocation decisions such as the percentage of your portfolio to be held in stocks. This analysis is vital to your financial success as asset […]