Market timing is a tough business. Most professionals who try market timing lose. When self-directed investors pursue this strategy, the results are often dismal. Here The Economist explains one indicator that has been around for years that has shown success in spotting market turning points. You of course wouldn't want to go full hog on this strategy, but as a contrarian indicator, it has had some success. FINDING a reliable way of timing the market is something that has eluded the greatest investment minds in history. That is why many people are tempted by the “magazine cover indicator” as … [Read more...]
Is Your Zip Code Sabotaging Your Portfolio?
You may have heard of home bias in investing. If you haven’t, home bias is the tendency of investors to own a large amount of domestic securities, despite the vastly greater number of opportunities available in foreign markets. The U.S. stock and bond markets only account for about two-thirds of the global total, but U.S. investors allocate almost 75% of their portfolios to the U.S. Favoring domestic versus foreign markets isn’t the only bias among investors though. According to J.P. Morgan, there is also a regional bias in investing. A regional bias? Indeed, the chart below from J.P. … [Read more...]
Are You Taking Advantage of Your RMD?
You know that if you’re over 70 1/2, and have a tax deferred account, this is the time of year that the IRS required minimum distribution (RMD) can sneak up on you. I’ve already had a number of conversations over the last few weeks with clients of our money management business. (Even if you're not a client, you can sign up here for our free monthly client letter). You don’t want to wait until the last minute to discuss your RMD. This piece should help you as you ponder your options. You saved for years to get to retirement—contributing to a traditional 401(k) or IRA. Now it’s time to dip … [Read more...]
Is Your Wealth Manager Held to this Higher Standard?
If you choose to work with an investment advisor, wealth manager, financial planner, stock broker, retirement specialist, you name it, there really is only one question for you to ask up front. Are they held to a fiduciary standard or a suitability standard for all account types, not just IRAs? At Richard C. Young & Co., Ltd. we're held to the fiduciary standard (sign up for our monthly client letter here, free even for non-clients). The difference between the two are night and day. You would think this topic would be crystal clear. It’s not. Most are held to a lower suitability … [Read more...]
Solid Advice From E.J. Smith in 2009, Even Better Today!
In 2009 E.J. Smith wrote: In 2008 alone $108 billion flowed into the top three custodians for investment advisers while the big-four Wall Street brokerages had an outflow of $8 billion, according to The WSJ. If you have a 401(k), I suggest you do what many others have already done and roll it over to an IRA the moment you are eligible to do so. And I advise you to seek out the help of an investment adviser. Once in retirement, you don’t have time to make up for investment mistakes like you did when you were younger. You face difficult big picture investment decisions and unlike before … [Read more...]
Vanguard: Advice for What Matters to You
"This is the happiest time of my life,” says Paul B. in this excellent video from Vanguard. … [Read more...]
One Blunder That 65% Of Americans Make, And How To Avoid It
About 65% of Americans simply don't know how much money they'll have to live on in their retirement years. Planning is essential to a successful retirement, and according to a new survey by TIAA detailed here by Investor's Business Daily, nearly two-thirds of Americans aren't doing even the basics. When it comes to confidence in their retirement planning, nearly six out of 10 American adults can sleep easily at night. Those 58% of Americans feel good about how much they've saved, according to a new survey by financial services firm TIAA. They believe their savings are on track to generate … [Read more...]
Young Research’s Retirement Compounders
Young Research’s Retirement Compounders (RCs) dividend model comprises dividend-paying common stocks selected from over 40,000 publicly traded companies. The RCs favor high dividend payers—those with a history of dividend payments and a long record of consecutive dividend increases. You can keep up with the Retirement Compounders by signing up for Young Research’s weekly email, or by joining us as a management client at Richard C. Young & Co., Ltd. To receive Limited’s complimentary client letter, sign up here. To speak with a professional at our management company, sign up … [Read more...]
How is Vanguard Founder Jack Bogle Invested?
What does this legendary investment pioneer expect in the way of investor returns over the next decade? And what does Jack advise for a successful retirement strategy? In 1971 I started in the institutional research and trading business at Model Roland in Boston. In those days, Jack had not yet left my favorite institutional client, Wellington Management. Near the end of the decade, Jack Bogle did indeed depart Wellington to found Vanguard. Here The Wall Street Journal’s Holman W. Jenkins offers a wonderful profile of Mr. Bogle and his importance to investors around America: At age 87, … [Read more...]
How to Survive the Calm before the Storm
Central banks are running this market. It’s not real. It feels like a ghost town. But what are investors to do? Well, you may be aware that pensions are writing puts on volatility. In other words they’re offering downside protection to investors. Nice business in calm markets, but if the markets do go down, pensions will be on the hook. It’s yet another short-sighted view on the part of the so called fiduciaries. Yes, markets are calm. But as we enter the heart of hurricane season New Englanders and those who live on the Eastern Seaboard know it’s better to be wary of the calm and to be ready … [Read more...]
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