Don’t Sell That Poor-Returning Investment!

Don’t Sell That Poor-Returning Investment!

Are you currently holding a mutual fund that is not performing well compared to your other assets? Before dumping it, consider that it might be an indicator that your investment portfolio is well-diversified. I’ve written often on this topic, but it’s still worth reviewing how diversification works. In non-mathematical terms, it’s the inclusion of multiple…
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How Much Do You Pay For Your Mutual Funds?

As I wrote in a previous blog, we live in a world of uncertainty. It’s impossible to predict future stock prices no matter how fancy the purported methodology.   But that’s no reason not to invest.  Most of us need to grow our savings in order to keep up with inflation as well as to be…
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Why Isn’t The Market Behaving Properly?

What’s going on with the stock market right now? We started the year with the worst market performance in history.  In February, volatility continued to reach multi-year highs.  As if that weren’t bad enough, the media reported in March that second quarter earnings were expected to be broadly lower. Things were shaping up to be…
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Can The U.S. Government Go Bankrupt?

According to Time Magazine, the answer is yes. I refer to their recent cover proclaiming “Make America Solvent Again!” and touting our current $13.9 trillion debt level.  Sounds more like a rallying cry for a political candidate than an attempt to educate the public on economics.  But that’s pretty typical for the media these days. …
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Does Diversification Still Work?

A cornerstone of Modern Portfolio Theory is the concept that you can reduce the risk (variation) of an investment portfolio by adding securities whose performance does not correlate with those in the portfolio. This led to the identification of asset classes – groupings of securities that perform similarly under certain economic conditions – and ultimately…
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Dealing With Student Debt

As of the third quarter of 2015, student debt in the U.S. has soared to nearly $1.25 trillion. That’s trillion with a “t.”  As little as ten years ago it was only $350 billion, less than half the amount of credit card debt held by consumers.  Today it’s 70% higher.  Why is this happening and…
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