Featured Articles

Occam’s – How Buffer Assets Might Be Able to Help Your Retirement 

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…

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…

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 – When Does a Separately Managed Account Make Sense?

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…

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.

How Do Presidential Elections Affect The Markets?

By Bob French, CFA

With the presidential election coming up, people are naturally curious about what the elections mean for the stock market – and, more importantly, for their investments (and everything those investments represent).

A World of Opportunities: The Benefits of Global Diversification

By Bob French, CFA

It’s obvious why a U.S.‑based investor may think it’s better to stay away from international investing, but you don’t get the full story by just looking at the short-term returns of different asset classes in isolation. You need to take a long-term perspective and think about how everything affects your total portfolio.

Are Oil Prices Lower Because of the Stock Market?

By Bob French, CFA

Is the volatility of oil a result of the volatility of the markets? Or vice versa? Or neither?

How Should an Overvalued Market Affect Your Investment Plan?

How Should an Overvalued Market Affect Your Investment Plan?

By Bob French, CFA

Markets don’t move capriciously. They move because something new has happened – new information has arisen. The tricky part is that we don’t know what new information will arise.

The Market Is Risky These Days, but Hasn’t It Always Been?

By Bob French, CFA

Lately people have been focusing on how the market has become more volatile. A lot of talking heads throw this out as if it were a proven fact and use it to justify whatever their call of the day happens to be. I decided to look at the numbers and see if the doomsayers are right.

I decided to look at the numbers and see if the doomsayers are right. And while what they’re saying is technically correct (the best kind of correct), we’re simply seeing a return to long-term averages.

Maintaining Your Portfolio Is a Rebalancing Act

Maintaining Your Portfolio Is a Rebalancing Act

By Bob French, CFA

Markets bounce around, which means your portfolio will eventually look different than it did when you started. You’ll be taking the wrong amount of risk. We want to bring your portfolio back to where it should be through a process we call “rebalancing.”

What Happens After the Market Drops?

By Bob French, CFA

Staying disciplined and avoiding market timing are two of the best investing tips we could give whether the market is up or down, but what happens after the market drops?

Disciplined Investors Don’t Rely on Market Predictions

By Bob French, CFA

Authors Note: This article was originally published towards the end of January 2016. To put it mildly, the year got off to a rocky start, and a lot of people were incredibly nervous about what this meant for the markets. While this…

Prophets & Losses: Predicting the Market is a Losing Proposition

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…

Evidence-Based Investing: Which Financial Theories Have Borne the Most Fruit Over Time?

By Bob French, CFA

You’ve probably heard the term evidence-based investing. In fact, you may have even read about it here. But do you know where the term comes from? Obviously, the key word is evidence, referring especially to the kind that has been peer-reviewed and…

How a Roth Conversion Could Save You Money in the Long-Term

By Bob French, CFA

Roth conversions – the basic idea is that you take money from your traditional IRA, withdraw it, pay taxes on it, and move it to your Roth IRA. This means you will be paying more in taxes today. Why would you want to do that?

Protecting Your Assets and Making Your Wishes Known

By Bob French, CFA

A lot of things get lumped under the broad title of estate planning. Not only are you arranging the financial aspects of your estate, but you’re letting everyone know your intentions regarding healthcare and any other wishes you may have. This process…