Originally posted July 26, 2018. The Efficient Frontier, created by Harry Markowitz in 1952, measures the efficient diversification of investments that delivers the highest level of return at the lowest possible risk. Investors must consider the trade-offs between risk and reward in their portfolios. You can see on the chart below an efficient frontier line representing risk vs. reward for a portfolio allocated between different proportions of stocks and bonds using data back to 1977. On the vertical axis is the return earned by the portfolios, and along the horizontal axis is a measure … [Read more...]
The Future of the American City is This…
Your Survival Guy, on the heels of a three-week trip to Rome and Paris, can tell you the core of both cities are alive and well. I like the future survivability of American cities where they’re places for people to live and connect not just vacant canyons of office buildings. From The WSJ: While office towers sit empty and nearby businesses struggle to pay their bills, residential neighborhoods in America’s biggest cities are bustling again. The pandemic and remote work have done little to dent the overall appeal of cities such as New York, Chicago and Los Angeles, foot-traffic and rent … [Read more...]
Economic Slow Down, Where to Park Your Money
There’s no doubt the economy is slowing down. Diesel prices are half of what they were from last year’s record. The question is will the Fed have the conviction to keep rates at a reasonable level. Savers have been penalized for a generation and deserve a return on their money. My favored Fidelity Treasury Money Markets, yielding about 4.5% today, is a great place to park it. From the WSJ: A nationwide freight slowdown has helped cut U.S. diesel prices by half from last year’s record, raising concerns that parts of the world’s largest economy have begun to slow. Wholesale diesel recently … [Read more...]
The Wisdom of “Make It A Good Month”
When you finished reading Richard C. Young’s Intelligence Report, above the P.S., P.P.S., and P.P.P.S, he always signed off “Make It A Good Month.” Short, yes. Sweet? Eh, not so much. If you know Dick Young like I do, self-reliance is a way of life. Count on yourself and you’ll be just fine, or you won’t. It’s not up to him. Got it? Merry Christmas. In Dick’s piece at richardcyoung.com How Do You Protect Your Brain from Inflammation? Dr. David Perlmutter discusses how the food (you could replace the word food with investment) industry stacks the cards against the consumer and how difficult … [Read more...]
Your Survival Guy’s Guide to Your Lazy Cash
Don’t look now but with prices gone mad you can finally get something for nothing with your cash. Look at this yield curve. Lots to love. Get your lazy money off the couch. Get it earning some money. If you need help let’s talk. … [Read more...]
Fixed Income Looks Good to Me
In times like these it’s always a good idea to get your bond game going. The short end of the yield curve hasn’t looked this good in years. Let’s talk. … [Read more...]
Paris: When Times Are Tough Your Survival Guy Finds Opportunities
Inflation, inflation, inflation. It’s everywhere. But let’s get right down to it. Inflation means different things to different people. If, for example, you’ve worked your entire life, saving until it hurts, you probably have a pile of money to help you through Your Retirement Life. Sure, it takes some planning, but higher prices shouldn’t keep you from living your dreams. You know how to do without because that’s what saving is—making choices and deferring gratitude. You’re a pro at that. Remember when air travel used to be a big deal (when you’d drive to Florida instead?) and not the … [Read more...]
Your Survival Guy Never Buys ESG Funds Ever
You’ve been reading about my concerns with ESG investing for a while now. Mutual Funds and ETFs that virtue signal about this stuff are taking their eye off the ball. If you’re in some of these fee gathering mutual funds/ETFs maybe it’s time to look for greener pastures. Andy Kessler writes in the WSJ: Larry Fink, CEO of BlackRock, which has around $10 trillion in assets under management, wrote in a letter to CEOs, “We focus on sustainability not because we’re environmentalists, but because we are capitalists.” Let’s look inside. BlackRock’s ESG Aware MSCI USA ETF has almost the same top … [Read more...]
Flood of Withdrawals Breaking Crypto Platforms
Has the long-foretold cryptocosm arrived? It's hard to say given the stop/start tendencies of the recent crypto-collapse, but one scary thing is for certain, many crypto lenders are blocking access to customer assets. Kyle Barr reports at Gizmodo: The number of crypto lending platforms that actually let users take their crypto home with them is getting progressively smaller. One company even reported its users were draining their accounts of close to $198 million in total over the past three weeks. CoinLoan announced Monday it was putting a big hold on users’ abilities to withdraw most of … [Read more...]
Boom: An Arc-Flash Explosion on Billionaire’s Row
“The developer of 432 Park Avenue, one of the world’s tallest and most luxurious condominium towers, on Wednesday filed its answer to a $125 million lawsuit from the building’s condo board over alleged construction defects, calling the board’s suit ‘ill-advised’ and ‘an effort to wrest unwarranted payments’ from the developer,” reports The Wall Street Journal. “The answer, filed in New York State Supreme Court by an entity controlled by Los Angeles-based CIM Group, also alleged that the complaints raised by the board had been ‘vastly exaggerated.’” Sounds like a problem to Your Survival … [Read more...]
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