Featured Articles

What Do Low Interest Rates Mean for Stock Returns?

Interest rates are one of the key tools that the Federal Reserve has to manage the economy. Changing how much it costs to borrow money can slow down an economy or give a the economy a nudge.

Unpacking Today’s Market Returns

Today, March 9th, 2020, was a bad day for the financial markets. There are four main elements to this story that I want to pick apart…

The Coronavirus and Your Investments

The Coronavirus is scary. When it’s possible to make reasonable comparisons with the Spanish Flu, that should make you sit up and take notice. Aside from the reasonable precautions that you should be taking, what should you be doing to protect your investments from the disruptions that the Coronavirus may cause? We’ve already seen significant…

The Coronavirus and Its Effects on the Market and Your Retirement

Just like many other areas of life, the novel Coronavirus is having a significant impact on the financial markets.

Introduction

I’m Bob French, the investments guy at Retirement Researcher. I’m also the Director of Investment Analysis at McLean Asset Management. My goal here is to help you use your investments to meet your retirement  goals.

Prior to joining Retirement Researcher and McLean Asset Management, I was in charge of designing the analytical engine for instream – a financial planning tool that financial advisors use with their clients. I became a CFA Charterholder in 2010.

Before instream, I was at Dimensional Fund Advisors, and I was in charge of a data analysis tool that they provided to their financial advisor clients. Aside from helping people with the mechanics of the tool, most of my time was spent helping them understand how to interpret and explain the results to their clients. And it’s this piece – just writ a little larger – that I’m excited to have the opportunity to do here at Retirement Researcher. All of the information that you need to invest well is out there (somewhere), but I want to help give you the context and understanding to use that information to reach the retirement that you deserve.

What Do Low Interest Rates Mean for Stock Returns?

By Bob French, CFA

Interest rates are one of the key tools that the Federal Reserve has to manage the economy. Changing how much it costs to borrow money can slow down an economy or give a the economy a nudge.

Unpacking Today’s Market Returns

By Bob French, CFA

Today, March 9th, 2020, was a bad day for the financial markets. There are four main elements to this story that I want to pick apart…

The Coronavirus and Your Investments

By Bob French, CFA

The Coronavirus is scary. When it’s possible to make reasonable comparisons with the Spanish Flu, that should make you sit up and take notice. Aside from the reasonable precautions that you should be taking, what should you be doing to protect your…

The Coronavirus and Its Effects on the Market and Your Retirement

By Bob French, CFA

Just like many other areas of life, the novel Coronavirus is having a significant impact on the financial markets.

The Yield Curve is Inverted. Don’t Panic.

By Bob French, CFA

Wednesday was another “interesting” day in the markets. The S&P 500 Index was down almost 3% on the day – and follows on the heels of last Monday, where the market was also down nearly 3%. It’s been an eventful week and…

Are Stocks Safer in the Long-Term?

By Bob French, CFA

When you’re investing, you need to focus on the long-term. This is one of those pieces of received wisdom that everyone has heard, but it’s often wildly misinterpreted. There’s an idea that stocks get safer the longer you hold onto them because you can ride out the bad periods if you are disciplined enough – it’s just a matter of sticking around until the market rewards you for being a “good investor.” To put it simply, this is not the case.

What Does it Mean to Call China a Currency Manipulator?

By Bob French, CFA

Monday (August 5th, 2019) was a chaotic day for both the world economy and markets. We want to break down what’s happened, and how that will likely impact your investments.

Ignore the Financial Media

By Bob French, CFA

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…

Can TIPS Help You?

By Bob French, CFA

Inflation is one of the most pernicious risks facing retirees. While there are a lot of ways to manage inflation risk, TIPS, or Treasury Inflation Protected Securities, are one of the few investment options that directly hedge against inflation risk. They aren’t…

Should You Try Timing to Avoid Bad Markets?

By Bob French, CFA

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…

How Does the Market in 2018 Stack Up Historically

By Bob French, CFA

There’s been a lot of ‘sturm und drang’ around what the markets have been doing lately. The financial media has been talking about how this is the sign of the inevitable end of the world.   Of course, we’ve had a few things lately that were also…

Is There Such a Thing as “Too Diversified?”

By Bob French, CFA

A client brought up the concept of being too diversified recently, and it gave me pause. My initial reaction was that there is no such thing . Diversification is a good thing. It allows you to minimize  risks inherent in individual investments…