Tag

low cost

Efficiently Using the Capital Markets for Lifetime Savings

By | Briefs about our Process, The Friday Brief | No Comments

It is a myth that people saving for life purposes need actively managed funds to comfortably reach their financial goals. In fact, it can be argued that actively managed funds significantly slow progress and reduce their lifestyles, both now and later, compared to efficient portfolios. Technically defined, an efficient portfolio delivers the highest return for a given amount of risk. Think of risk as the volatility of the portfolio, but more specifically, the chance of losing money at any given point in time. Risk and volatility have both practical and theoretical applications. We are hardwired to understand the practical. When we see our investments decline,

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How Does This Market Drop Impact My Future?

By | Briefs about our Process, The Friday Brief | No Comments

Information travels faster than ever now which tends to amplify panics and crises. The natural herd tendency to sell or buy is fanned by the rapid flow of news, often in its raw state. Globally linked computerized exchanges make buying and selling more efficient and faster than ever. What is crystal clear in this time of crisis and uncertainty is that we have no control of the markets (short of shutting them down). They are bigger and more powerful than any government and they will find their equilibriums in all circumstances. Predicting or timing them is all but impossible, especially

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