Investments for the Long Run

A common tool used by financial advisors is something called the Callan Periodic Table of Investment Returns. As you can see from the following chart, the rank order of different asset classes (color coded; top is highest performers, lowest is worst returns), is generally random.

See for yourself whether you can discern any pattern. […]

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ESG Investing

An increasing number of investors considering the social impact of their investment dollars – for a variety of reasons. Some investors want to avoid supporting companies or industries which, in their opinion, are not making the world a better place — such as weapons manufacturers, tobacco companies, or firms that have a track record […]

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Declining Mutual Fund / ETF Fees

Many investors never see or pay attention to the expense ratios of their mutual funds and ETFs. However, financial planners know that these costs add up, and, as a result, generally seek the lowest cost share class for their clients.

A recent industrywide review by the Morningstar found that, on a asset-weighted basis […]

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Capital Gains: How to Determine Your Tax Rate

A simple-sounding question that, in the world of tax planning, is harder to answer. The simplest calculation is that, in 2021, single taxpayers will pay 0% capital gains taxes if their adjusted gross income is below $40,400, while joint taxpayers will pay 0% capital gain taxes below $80,800 of adjusted gross income. After […]

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Is Dollar Cost Averaging A Winning Strategy?

The press often writes about the advantages of dollar cost averaging. The main idea is that people spread out investing over a period of weeks or months, instead of placing a large sum of money in the market at once. In other words, if the market goes down, people’s next investment will be completed at […]

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Do Target-Date Funds Hit the Bull’s-Eye for You?

More than half of 401(k) participants have assets invested in target-date funds.1 These “all-in-one” funds are often the default option in workplace plans, and their apparent simplicity appeals to many investors. But target-date funds are not as simple as they appear to be. Like all investment strategies, they have strengths and weaknesses.

Focused on time

Target-date funds […]

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Qualified Opportunity Funds

When it comes to our investments, when they appreciate, we want to keep as much of those gains as possible. However, when you sell assets, you pay tax on any capital gains.  The Tax Cuts and Jobs Act of 2017, created Qualified Opportunity Funds (QOF’s) — which offer a way for investors to possibly defer or eliminate capital gains on existing investment […]

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“Smart” Investment Strategies

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Five Questions to Ask Yourself before Investing in Collectibles

If you’re interested in diversifying your portfolio with collectible investments, such as coins, stamps, or antiques, you’ll want to ask yourself the following questions before doing so.

Remember that all investing involves risk, including the possible loss of principal, and there is no guarantee that any investment strategy will be successful.

Diversification is a method used to […]

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What Should I Know about Investing in Collectibles?

Collectible assets such as fine art, antiques, coins, and gems are one way to diversify your investment portfolio. But it can be difficult to predict if or when the money you invest will provide a return. Here are a few things you should know about collectibles before investing in them.

Not all collectibles are valuable. Some […]

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