Young Research & Publishing Inc.

Investment Research Since 1978

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My Battle-Hardened Stock Market Strategy for the Worst of Times

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In September of 2014, I explained to readers my battle-hardened strategy for dealing with the worst of times in the stock market. My strategy was inspired by Ben Graham, and I have used it throughout my 55-year career in investing. Here’s how it goes: Ben Graham’s The Intelligent Investor was first published in 1949. I came in a little late in the game with my 1973 edition, which I have in front of me as I write. It is important to me that you and all of our management clients are able to sleep well, even during the periodic stock market busts that we all have to ride through from time to … [Read more...]

The FIRE Movement by the Numbers

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The financial industry is full of anecdotes and stories by writers (myself included) providing their own perspective on events. The FIRE (financial independence, retire early) movement is blessed with many blogs and podcasts discussing the early retirement journeys. But anecdotes never tell the whole story, so I want to give you some numbers on the FIRE movement. These numbers were assembled by a Harris Poll conducted for TD Ameritrade. How Many People Are Aware of the FIRE Movement? 11% Know about FIRE 26% Are familiar with the concept but not the term 63% Are not familiar with … [Read more...]

Don’t Be a Bettor, Be a Planner

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In April of 2011, I wrote: My job is to help you separate fact from fiction and lay out a game plan for you and your family that will ensure your personal and financial security in the unstable and unsettling times that lie ahead. The broad battle plan that I’ll cover over the next few months will include the complete scope of the energy consumption/investment/personal security issue. Here is what separates what you read from me from most others: (A) I have no financial axe to grind and no ulterior motive. (B) I am not looking to make any new friends or curry favor. I am not, not … [Read more...]

The IRS is Coming after Your IRA with this Hidden Tax

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More sausage is being made down in Washington D.C.—never a good thing especially when “revenue” and “IRA” are used in the same sentence. It’s called the SECURE Act, which laughably stands for Setting Every Community Up for Retirement Enhancement. It sailed through the House 417-3 and is expected to pass under unanimous consent by the Senate. The insurance industry loves the Secure Act. Uh-oh. At the heart of their love affair with this foul ball is the introduction of annuities as investment options for 401(k) plans. The reason they haven’t been offered in the past is because … [Read more...]

If You Are in Pain, this May Help. It Helped Me

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Are you in pain? Does your body ache? Well, it’s called life. But there’s something you can do about it. We all have heard about mind over body. This is different. Let me introduce you to the late Dr. John E. Sarno, who during his life helped relieve the pain of people like Harvard Medical School grad and guru of alt medicine Dr. Andrew Weil, Curb Your Enthusiasm and Seinfeld creator Larry David, TV personality John Stossel, and shock-jock Howard Stern. What Dr. Sarno has done for them and for others is to understand that sometimes our mind-body connection is disconnected. Our … [Read more...]

Three Dangerous Traps Investors Face

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There’s a lot you can’t control when you’re investing. Putting your money in securities necessitates some risk taking. You probably aren’t managing the companies you own, or the governments you lend to yourself, so you have to trust managers and politicians to do that. And you’ll never direct consumers and taxpayers, so revenue streams are completely out of your control. There are though, things you can do to put yourself on sounder footing. In July of 2004 I wrote: Compound Interest and You Here’s a compound interest story that should help you and your spouse. Let’s assume a hypothetical … [Read more...]

Is the World’s Largest Money Manager Pushing You into an Annuity?

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I love the idea of maxing out your 401(k) until retirement because old school pensions are hard to come by. But turning your 401(k) into an annuity at retirement is a fool's errand. You’re faced with nosebleed inducing fees and limited access to your money while the insurance companies bank on your early demise. Not exactly a healthy relationship. It’s concerning that BlackRock, the world's largest money manager, is pushing for 401(k) annuities to grow its assets at the price of those who cannot afford to lose them and deserve better. Dawn Lim reports on the troubling development at … [Read more...]

America is Beating Japan in this Retirement Savings Measure, but Not for the Right Reason

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Running out of money during retirement is the greatest risk people take when they decide to stop working. The World Economic Forum has published new research that shows Americans aren't saving enough to cover the last decade or so of their retirement. That pales in comparison to the Japanese, who fail to save enough for the last two decades of their retirement. The only problem here for Americans though is that a big portion of that savings disparity comes because Japanese people are living so much longer, not because Americans are simply saving that much more. Bloomberg's Ben Steverman … [Read more...]

Have You Already Lost Hope for Retirement?

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A scary statistic was recently uncovered in a survey conducted by LendEDU. Nearly 40 percent of Americans fear they will never save enough money to retire. Bloomberg reports: That’s despite nearly one in five Americans who said having enough money saved to be able to retire is their most important financial goal, according to a survey of 1,000 adults conducted by LendEDU in May. More Americans said saving for retirement is more important versus those that indicated paying off credit card debt or building an emergency fund, according to the survey. However, slightly more respondents said … [Read more...]

Healthcare Could Cost You Your Retirement: Part II

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Yesterday I explained to you how even frugal retirees can have their savings sunk when unexpected health care costs arise. Running out of money in retirement is not something anyone wants. Many Americans end up working through what should be their retirement years because they failed to plan properly. If you want to better formulate a plan that includes provisions for health care costs in retirement, read through this guide from Fidelity. If you are like most Americans, health care is expected to be one of your largest expenses in retirement, after housing and transportation costs. But unlike … [Read more...]