Academy Login

Are Republicans or Democrats Better for the Stock Market?

Every four years we talk about how this year’s Presidential election is the most important ever. Along the way, people make a whole host of sweeping statements about how picking their team will lead to all of the good things happening, but picking the other team will lead to all of the bad things happening […]

What Is Style Drift and Can It Be Avoided?

All too often, the funds you use end up sabotaging your asset allocation. What if the funds you select don’t do what you think they will? When you use actively managed funds, you have to watch out for something called “style drift” – when a fund’s style (what the fund actually owns) moves over time.

How Often Should I Rebalance My Portfolio?

The market is going to drag your portfolio through every mud puddle it finds. It’s your job to pick your portfolio up, dust it off, and point it back in the right direction. Rebalancing brings your portfolio back into line, and ensures that you are taking the right amount of risk through time.

How Long is the Long Term?

Everyone always talks about investing (and planning) for the long term. But they’re usually vague about what the “long term” actually means. Does that mean 5 years? 10 years? More? (Spoiler: the answer is definitely more). And frankly, talking about how you need to focus on the long term can feel like a bit of […]

How Do Interest Rates Affect Stock Returns?

The financial media loves to talk about interest rates. There are a lot of good reasons for this, but two of the big ones are that interest rates are really important, and they’re relatively understandable and have a direct connection to most people’s lives. They are tied to the mortgage rate you can get, the […]

Occam’s – Do the Midterm Elections Matter to the Market?

Voting,Box,And,Election,Image

The 2022 midterm elections are coming up (remember to vote on November 8th). With every election, there’s always a lot of talk about how important it is to vote (true), and that if the other side wins it means the end of the world (potentially less true). There are always important issues at play, and […]

How Buffer Assets Might Be Able to Help Your Retirement 

Investing involves risk. When you put your money to work in the financial markets there’s always a chance, over every time period, that you could lose money. Most of the time, especially over longer time frames, the market goes up. But they don’t have to. The risk is always there – and that risk is […]

When Does a Separately Managed Account Make Sense?

Mass customization is the dream for most industries, and the financial services industry is no different. Everyone’s investing goals are different, so it makes sense that we would want to be able to specifically design the funds that we use to reach our goals. The plethora of mutual funds and ETFs out there give us […]

Occam’s – Your Plan is Wrong (And That’s OK)

Planning for retirement is vitally important. And with something this important, many of us want a sense of control. We want to know that our retirement income plan covers all the bases, and that it will smoothly take us through to a successful retirement. But, for most of us, that’s not how it’s going to play out. 

Occam’s – Inflation and Your Retirement Plan

WHAT IS OCCAM’S RAZOR?Occam’s Razor is a principle attributed to William Occam, a 14th century philosopher. He stressed that explanations must not be multiplied beyond what is necessary. Thus, Occam’s Razor is a term used to “shave off” or dismiss superfluous explanations for a given event. This concept is largely ignored within the investment management landscape. This newsletter will […]

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