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 […]
Many of you believe that investing internationally is a poor idea — at least right now. But before you liquidate, just consider: Are you just selling low? By the time everyone is sanguine about the European economy, it may be too late to benefit from the gains.
Going with the herd can hurt you when plunging into a sure-fire investment winner (greed) or fleeing the ongoing collapse of another (fear). A herd mentality can trample your financial future.
When you start a new job or your employer gets acquired, you may need to make retirement plan decisions on the fly. While you probably have the option to change your investment selections at any time, inertia is the most powerful force in personal finance. Your short-term choices may persist for years to come. Whether […]
In volatile financial times such as these, our natural tendency is to track the ups and down in the stock market. The financial media in its quest for eyeballs favors titillation over analysis. The more rewarding financial concepts can be gleaned by reading books rather than watching false prophets mouthing backward looking commentary. A collaboration […]
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 […]
It’s the single largest portfolio holding for many investors. Directing it wisely can make the difference between thriving and struggling in retirement. With the 2011 retirement plan year upon us, how do you go about making fund choices? Some of us approach it like the stars of Top Chef improvising a dish — a little […]
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 […]
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. […]
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 […]
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 […]
Most investors aspire to superior portfolio performance. It’s what drives us to seek alpha, the additional return of a particular investment over its asset class. But alpha isn’t necessary to surpass your fellow investors. By keeping in mind the 3 T’s — Timing, Transactions, and Taxes — above average returns could be yours. Let’s first […]