Investing

Beyond Asset Class Diversification

Investment Strategies We commonly think of asset classes (stocks, bonds, real estate, etc…) when we think of and discuss diversification. However, there are other important forms of diversification that can enhance the risk-return profile of an investment portfolio. Specifically the diversification of investment strategies is one important area all investors, where possible, should consider. There …

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Investing

The Loser’s Game

Charley Ellis, the renowned investment consultant, wrote an article for the Financial Analysts Journal in the mid 1970’s, entitled The Loser’s Game. The basic premise of the article was investing is a loser’s game. In other words, the winners in the investing game usually aren’t those investors actively attempting to make winning decisions. The winners, on average, …

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Investing

Mutual Fund 101

Eyes Wide Open Most investors understand the value of a low fee investment strategy. However, I continue to meet with prospective clients that are invested in mutual funds with above average fees, sales commissions (a.k.a. loads) or distribution fees (a.k.a. 12b-1 fees). Most investors are outraged when they discover they’re paying a 5% commission just …

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Investing

The Value Proposition of an RIA

Registered Investment Advisors  In the world of investment advice, financial planning and asset management there are a wide array of options for individuals, families, businesses and retirement plans. Among the most common and most recognized are brokerage firms. Think of Merrill Lynch, Edward Jones, Raymond James, DA Davidson, etc… A brokerage firm (often referred to …

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