Artificial intelligence (AI) is all the rage these days. Ever since ChatGPT was introduced by OpenAI and Microsoft, companies are falling over each other to find ways to apply AI to all kinds of activities. You may not recall it but IBM was actually one of the pioneers of AI. They designed a chess-playing computer…
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Last year I wrote about the progress being made on the Bitcoin investment front (https://www.cognizantwealth.com/2023/07/07/is-bitcoin-almost-ready-for-prime-time/). At the time there were only two ways to invest in Bitcoin: through a private exchange or via an ETF holding Bitcoin futures. Last week the SEC authorized eleven spot (current price) Bitcoin ETFs to begin trading. Is this the…
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“It’s hard to make predictions. Especially about the future.” That’s one of my favorite aphorisms attributed to Yogi Berra. At the beginning of every year hundreds of economists, strategists, and self-proclaimed pundits announce their annual predictions for the capital markets, blithely ignoring their own past history. Let’s take a look back to see how well…
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Although inflation has been mitigated over the last couple of years, it’s still on the minds of many investors. Should we avoid stocks when inflation is high? Can inflation be used for market timing in some way? Unfortunately the answer is “no” in both cases. There is no demonstrable connection between periods of high inflation…
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A reader writes: Now that bonds are yielding over 5%, can I fund my retirement just from the interest? This is a great question that goes to the heart of retirement planning strategies. The first requirement is that you have managed to save enough money. If you expect to spend $100K per year in retirement,…
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Investing involves volatility. The higher the expected return, the greater the volatility. This is axiomatic. You can’t avoid it but you can mitigate it, as I wrote in a previous column. And it turns out that reducing volatility has a number of benefits for investors. First, there’s what’s known as volatility drag. This is a…
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