Featured Articles

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…

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…

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 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

We’ve talked a lot about the importance of staying disciplined and the problems with market timing lately. 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…

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…

What Does Retirement Mean?

By Bob French, CFA

Retirement has changed. It’s no longer about getting your gold watch and playing golf all the time. Retirement is now a frame of mind – you’re retired when you can do what you want. It doesn’t necessarily have anything to with whether you are drawing a paycheck or not. Retirement is the freedom to decide what you want to do. At the same time, retirement has also gotten longer. You could very well be looking at a retirement that lasts 30 years or more, making retirement even harder to plan for than it was before.

Organizing Your Finances After a Chronic Illness

By Bob French, CFA

Chronic illness is life-changing. When it comes to medical expense coverage, you might be looking at new regulations on the kinds of treatments available to you, the physicians you meet with, and the hospitals that are covered. Unfortunately, the older you get,…

Black Monday Is Not a Black Swan

By Bob French, CFA

Last Monday, the S&P 500 dropped by more than 3.5%. This is a big drop, and has a lot of folks wondering if they should be invested in the market at all. It’s easy to get wrapped up in media coverage, and…