Investment

April 13, 2022

Spring is in the air…

Spring is in the air and that means it’s time for spring cleaning. But wait! Before you pick up that dustpan, we would love for you to give a thought to your financial spring cleaning first. What do finances and spring cleaning have to do with each other? If you’re preparing for retirement, the answer is “A lot!” These days, ‘spring cleaning’ is often used as a metaphor for “getting your affairs in order”. As you can imagine, getting your retirement affairs in order is critical if you intend to retire when and how you want. There are many things […]
December 23, 2021

Investing in 2022: Trends to Watch

Today is a fascinating time for investors. Covid and the omicron variant are continuing to wreak havoc on public health, the labor market, the supply chain, and beyond. The world is driving toward cleaner energy. Big technology is bigger than ever. Inflation and rising prices are going strong. In this article, we’ll cover what we consider to be the top three trends to watch as we enter 2022 and our second calendar year of the pandemic.   Big Tech & Cryptocurrency According to CNBC in April 2021, investors put more money into stocks in the preceding five months than in […]
July 20, 2021

Can You Ask Better Questions?

Do I have enough? As you approach making work optional, you begin to dwell on this question. Have I saved enough? Do I have enough? It’s certainly a subjective question because what’s enough for me may not be enough for you. It all depends on how much it costs to live the life you want to live and how you are going to live when work is optional for you. But more than asking this question, I’d propose you ask yourself a second and third question: Do I have enough to do? Have I had enough? Do I have enough […]
July 20, 2021

Rethinking Forward

‘Rethinking Forward’ has been a life-long pursuit of study that began in college, continues fervently today, and will continue for the remaining time that I’m on this beautiful and amazing blue and green planet. ‘Rethinking Forward’ means going against the crowd, skating to where the puck is going to be, avoiding groupthink, and looking for the true meaning in the investment markets. In planning for being work-optional, it means not using the last 48-hour news cycle to plan for a 30-year retirement. Or to put it another way, it’s avoiding the recency bias of current information in making long-term decisions. […]
June 17, 2021

The Most Common Retirement Mistakes and How to Avoid Them

These days, planning to retire —or as we like to call it, making work optional— isn’t a luxury; it’s a necessity. Making work optional has become too complex to just pick a day and stop showing up to work. And it’s more than complex— it is also expensive. You have to factor in expenses, taxes, and other spending. There are many ways to pay for it, but which ways are the best ways? How much do you need to save? How should you invest?   Many pre-retirees don’t know the answers to these questions. As a result, there are several common […]
September 28, 2020

What Should You Do About the Dominance of Large Cap Growth in Your Portfolio?

The dominance of large growth companies these past 10 years is no secret. Every day we listen to reports about Facebook, Amazon, Apple, NVIDIA, Netflix, Google, and Microsoft. But to truly appreciate their dominance in the stock market, one needs only to look at the graph below that illustrates the outperformance of Growth vs Value. The higher up on the graph, the more the outperformance of large growth companies. Today’s outperformance dwarfs the early 2000s and the 2008/9 Great Financial Crisis. Since 1995, the outperformance of growth over value has never been higher. S&P 500 Growth Value < Source: Bloomberrg Now that […]