Academy Login

A Terrible Way To Protect A Retiree From Inflation

People seem to think commodities (especially gold) are suitable guards against inflation. I want to explain why that’s not true, and tell you about some of the much better tools available.

I want to explain why that’s not true – at least over any useful time frame – and then tell you about some of the much better tools available.

The Art of Asset Location

You’ve probably heard a realtor tell you that the 3 most important factors in a property’s value are location, location, and location. There’s a similar rule for investments: asset location. Where your assets are located within your portfolio matters.

Are Structured CDs Too Good To Be True?

Most people know what Certificates of Deposit (CDs) are. You buy one for a number of years, then at the end, the bank gives you your money back plus a little interest. They’re not huge moneymakers, but they’re about as reliable as can be, which makes them great tools for offsetting risk. Of course, Wall […]

Can You Rely On Dividends For Income?

There’s real value in knowing where your money will come from. Hence the appeal of income investing – building a portfolio focused on creating a long-term steady stream of income…But income investing presents a few problems.

Business Owners: Did You Know You Are a Fiduciary?

Employer-sponsored retirement plans — such as 401(k)s or 403(b)s — are one of the primary sources of retirement savings for Americans. If you are an employer who has set up such a plan, you might not be aware of the responsibilities that come with your role as a plan sponsor.

The Hidden High Costs of Index Funds

Here we cover the basics of index funds. Today, many investors use index funds because they provide an easy way to gain cheap, diversified exposure to specific areas of the market. The question is this: Is an index a precise representation of the sector of the market it describes?

Can You Time the Market?

Can You Time the Market

Over the long term, market returns need to be captured efficiently and consistently. Trying to guess when they occur is an impossibility that leads to the underperformance stated above. How difficult is it to time the market? Let’s look.

Total Return vs Income Investing: Same, but Different

Retirees can take 2 main approaches to spending from portfolios. 1) Focus on income and dividends produced in the portfolio, a.k.a. “income investing.” 2) Sell assets as appropriate to meet spending needs. For your portfolio, they’re basically the same thing. But, from your point of view, you should be aware of one difference: focusing on income investing can make your portfolio less diversified.