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Should You Sell Your Stocks Upon Retirement?

With major stock indexes close to or at all-time highs, you may find yourself asking this question. However, if you give in, it may be the biggest financial mistake you make. When it comes to retirement there are two conflicting risks that need to be managed – (1) volatility risk and (2) longevity risk.

How to Diversify Your Portfolio as a New Retiree?

Thinking about retirement is very exciting for most people. It’s a time in life when you’re finally able to do the things you were never able to do with a nine-to-five job. You can travel the world, spend more time with friends and family, pursue your newest passion or hobby, and much more.

From a portfolio perspective, this is the biggest change to your financial life. It represents the shift from funding your lifestyle from cash flow (i.e. your salary) to assets (your investment portfolio). This is often a very strange feeling for many new retirees. And this small fact, changes everything!

Are Investors Paying Attention to the Wrong Costs?

If you turn on the television or read the news, you will surely see something regarding high mutual fund fees. Before I discuss the merits (or lack thereof) of this argument, it is first important to understand the two general types of mutual funds.

The first group is the active funds. These are funds where a portfolio manager is actively making decisions on what to invest in, what to avoid, how much cash to hold, etc.

The second group is the passive funds. These are funds that simply track an index or basket of stocks. There is no manager making decisions. The goal is to passively replicate the market (i.e. S&P 500).

East Coast Ideas Conference - Our Take

Recently, Jason and I attended the East Coast Ideas Conference in Boston. In attendance were about 100 small companies presenting on their investment merits. Before going to any investment conference, Jason and I evaluate all companies and identify any worth checking out.

Is Your Financial Advisor Working In Your Best Interest?

In 2016 the Department of Labor (DOL) published a new rule governing the treatment of retirement accounts and the relationship between you and your financial advisor. The rule required your advisor to conduct business in your Best Interest with regard to your retirement accounts. Major Wall Street firms have lobbied against the rule.

5 Things Your Annuity Salesperson Might Not Tell You…

Has someone ever tried to sell you a variable annuity? If they have, you are not alone! However, there are 5 things the annuity salesperson may not tell you…

Avoid This Costly Tax Mistake!

As we enter tax season, we are approaching the time of year when most contributions are made to traditional and Roth IRAs. However, there are limits on how much you can contribute in each year.

Save Today, Not Tomorrow

Academics have been studying ways to motivate people to save now. However, they are finding that when faced with the decision to satisfy our immediate needs or our future needs that our present needs usually win.

Different Ideas of Retirement and Their Very Different Lifestyles

Not too long ago when people heard the word “retirement” they knew exactly what it meant. It used to be relatively straightforward – save as much as you can, invest as well as you can, let your money grow, and then when you hit 65, retire and enjoy!

What To Do With Your Year-End Bonus?

The simple answer is don’t spend it all! Of course you should treat yourself to some enjoyment from your hard-earned work, but the majority of it should be invested.

Jason and Gary Head West to Meet with Portfolio Companies

Every March, Jason and I head West to Dana Point, California to participate in the annual Roth Capital Partners Conference. More than 500 companies come to the conference, hosted by the investment bank, to speak in groups and one-on-one with portfolio managers to discuss their investment merits

Don’t Listen to the The Talking Heads on TV

There have been a number of firms that have studied the accuracy of financial pundit predictions over the year and the average accuracy of their predictions was a little worse than a coin toss.

What are Value Stocks?

As Warren Buffet says, “whether we’re talking about socks or stocks, I like buying quality merchandise when it is marked down.”

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