Featured Articles

Occam’s – How Are You Different From the Average Investor?

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…

What Does the GameStop Kerfuffle Mean?

It’s been a pretty wild ride with GameStop. But while there has been a lot happening, does it actually mean much? We’ve examined the details of what happened elsewhere, so I’m going to focus on some of the bigger questions that this whole affair raises, and specifically how this all impacts long-term investors. So let’s…

What Happened With GameStop?

It’s a bit of an understatement to say that GameStop has been in the news lately. There are a lot of people opining about what is going on, but we want to cut through that and look at what actually happened (we look at what it all means in another article). So what actually happened, and…

Is the Value Premium Pining for the Fjords?

There’s no magic formula for investing. The financial markets seem to take some sort of cosmic joy in bringing people back down to Earth. And it’s value investing’s turn – in fact, it’s been value investing’s turn for a while now. To put it mildly, this has been a rough decade and a half for value stocks.

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.

Withdrawal Sequencing Avoiding the Pitfalls of Retirement Distribution Order

Withdrawal Sequencing: Avoiding the Pitfalls of Retirement Distribution Order

By Bob French, CFA

Taking retirement income from your investment portfolio in retirement is like walking through a minefield. Most people don’t think about it, but your distribution strategy in retirement – how you actually take money out of your portfolio – and the resulting taxes can have a significant impact on how long your money lasts and how much you’ll be able to spend throughout retirement.

What is an RMD

What is an RMD?

By Bob French, CFA

Here are the answers to some of the most commonly asked questions about required minimum distributions (commonly referred to as RMDs or MRDs).

Occam’s – “How Does the Situation in Greece Affect Me?”

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 explanations for a given event.…

Taking Risks that Make Sense

Taking Risks That Make Sense

By Bob French, CFA

More risk does not mean more return, but more return follows more risk. Which risks make sense for you?

How Many Stocks Does it Take to Be Truly Diversified?

By Bob French, CFA

Everyone “knows” you should have a diversified portfolio. What other kind of portfolio would you want? Yet most people don’t really know what diversified means. What does a diversified portfolio look like? How many stocks do you need to own to achieve true diversification?…

How Asset Location Helps Your Investments Flourish

How Asset Location Helps Your Investments Flourish

By Bob French, CFA

How you invest is the largest determining factor in the level of returns you will see. But what about the “where” of investing?

Why the Dow Doesn’t Work

By Bob French, CFA

With Apple’s addition to the Dow (or more properly, the Dow Jones Industrial Average), now is a great opportunity to look at how to think about the Dow, and indices more broadly. Indices are great tools for understanding what is going on…