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The Upside To A Market Crash

The Upside To A Market Crash

If you are in the savings/investing mode, would you rather stock prices today be over or under the true value of the companies you are buying?

The Importance of Having Access to Your Money

The Importance of Having Access to Your Money

Needing access to your investment accounts in an emergency creates enough of a logistical hurdle but holding investments that may take weeks or months to sell can really cause a problem.

Your Investments Should Be Experienced

Your Investments Should Be Experienced

When investing, it is easy to be attracted to the various vehicles, sectors, and strategies that surround us. Wall Street (and other financial agitators) knows this and they invent new angles every day with the primary goal of getting into your pocket.

Use The Markets Like a Tool

Use The Markets Like a Tool

Investing has become a game to most, but it should never be approached this way. From meme stocks to crypto, many of you are being far too cavalier with your investments.

Realize That…You Just Don’t Know

Realize That…You Just Don’t Know

Having invested other people’s money for more than 30 years and studied other managers doing the same, it is clear to me that the markets cannot be beaten.

A Guarantee That’s Not Truly Guaranteed

A Guarantee That’s Not Truly Guaranteed

Do you want a guaranteed investment return? If you answered yes, I hope you added the condition that it depends on who is providing the guarantee and what that guarantee actually is.

Don’t Just Do Something!  Stand There!

Don’t Just Do Something! Stand There!

The annual update to DALBAR’s Quantitative Analysis of Investor Behavior (QAIB) study confirmed once again that when we make moves in our portfolio, we are much more likely to be losers rather than winners.

You Can Never Go Back

You Can Never Go Back

Our technological progress has only just begun. If you want to participate in this growth financially, the best approach is through company ownership in a diversified fashion among industries, geographies, and sectors.

Do Not Consider Investing in Real Estate (Including Your Own Home) With More Than 20% of Your Assets

Do Not Consider Investing in Real Estate (Including Your Own Home) With More Than 20% of Your Assets

If you create a pie chart of all your investment assets and real estate is more than 20%, do not consider investing in more real estate. I understand that your home may, itself, be greater than 20% and I’m ok with that because it is much more than just an investment.

Sell Your RSU and ESPP As They Vest

Sell Your RSU and ESPP As They Vest

Your Company Stock awards are part of your total compensation for work. They are not a bonus and they are not lottery tickets. You work hard for your company and part of your pay includes these stock awards.

Rebalance Your Portfolio

Rebalance Your Portfolio

Your Long-Term Portfolio has target percentages for each fund and asset class. We start investing by placing those amounts in each fund so that we are perfectly balanced. The day you initially invest will be the last day you are perfectly balanced.

Structure a Portfolio Whose Behavior in Market Crashes is Acceptable

Structure a Portfolio Whose Behavior in Market Crashes is Acceptable

If you are 40 years old, you will likely experience 5 to 8 more market crashes during the rest of your life. You can try to predict them and trade through them, but history says you won’t be successful as no one has ever done so through more than one or two.

Pay No Attention to the Financial Media

Pay No Attention to the Financial Media

The old school big firms in the financial industry make their stock market money one way. By processing transactions. They don’t care if you are successful as long as you do something and pay them a fee or commission.

Invest Everything Above Your Savings Target in Your Long-Term Portfolio

Invest Everything Above Your Savings Target in Your Long-Term Portfolio

Your Savings Target is the amount you want in savings so by definition, anything above this amount should be invested in your Long-Term Portfolio.

Do What’s Always Worked

Do What’s Always Worked

When tying your future wealth to something through investment, be sure what you are doing has always worked in the past. Don’t be distracted by the odd strategy or “opportunity.”

Be Patient

Be Patient

I’m so glad that today’s culture has finally given a name to something that has killed many investors in the past. FOMO. When you hear about the fear of missing out, doesn’t it make you realize that this is something you should not be concerned with?

Be Diversified

Be Diversified

We’ve all heard that we should be diversified, but what does that mean? It means to own a lot of things that you expect to do well over time but that don’t always do well at the same time.

Have an Investment Philosophy

Have an Investment Philosophy

Here’s how most people invest: Act on impulse, React to things they see in the news, Do what their friends are doing, Do their own research and convince themselves they can see what the future holds, Bet their life savings on tips and hunches. Don’t be like most investors!

Have a Cash Flow System

Have a Cash Flow System

Every dollar you have should have a job. If you aren’t giving a job to every dollar then your dollars are working against you.

Get to Clarity, Control & Intention

Get to Clarity, Control & Intention

What is Financial Planning? I like to think about it in a very simple way. You need to have clarity in your finances before you can have control. Once you have control, you can be very intentional.

Plan to Leave Highly Appreciated Assets to Your Heirs

Plan to Leave Highly Appreciated Assets to Your Heirs

Today we are talking about legacy gifting. You may think you are too young to think about this, but I think you’re never too young to begin structuring your investments for the right long-term outcome.

Consider Making Roth Conversions Regularly

Consider Making Roth Conversions Regularly

Last week we talked about the three types of accounts we can use for our Long-Term Portfolio and I said it’s important to have balances in all three types. The Already-Taxed or Roth account is the most difficult to contribute to so I want to talk this week about how we can get money into a Roth by making conversions.

Use All 3 Tax Structures for Your Long-Term Portfolio

Use All 3 Tax Structures for Your Long-Term Portfolio

We want to use all three of these when investing our Long-Term Portfolio and I’ll tell you why in a moment. But first, I want to talk through how each of them works.

Have a Long-Term Portfolio Strategy in Place for Your Cash from Selling Company Stock

Have a Long-Term Portfolio Strategy in Place for Your Cash from Selling Company Stock

Once you have a plan in place to sell your Company Stock over time, be sure that money has some place to go. We don’t ever want our money to be without a job and the cash you get from your Company Stock is no exception.

Know the Tax Effect of Selling Your Company Stock

Know the Tax Effect of Selling Your Company Stock

Taxes are a fact of life. I talk to a lot of people who are trying to find the super-secret way that people with money avoid paying taxes. I’m here to tell you – it doesn’t exist.

Risk-Reward of Your Company Stock

Risk-Reward of Your Company Stock

We make decisions in everyday life based on seeking a reward given the risk we are willing to take. Without risk, there is no reward.

Do You Have Too Much Company Stock?

Do You Have Too Much Company Stock?

Diversification is the key to any successful portfolio. However, recently, individual tech stocks have been all over the news and I’ve been getting asked, “How much company stock should I have?” or “Do I have too much?”