"The idea that a bell rings to signal when investors should get into or out of the market is simply not credible. After nearly 50 years in this business, I do not know of anybody who has done it successfully and consistently."— John Bogle, founder of Vanguard and...
February 2019 Monthly Insight – The Year Ahead
“Come what may, all bad fortune is to be conquered by endurance.” --Virgil, Roman poet, born 70 B.C. We hope your 2019 is off to a rousing start. Whether you reached your personal goals in 2018, faced challenges, or are looking for a 2019 reboot, let’s take a moment...
January 2019 Monthly Insight – General Investing Principles
“You’d be making a terrible mistake if you stay out of a game you think is going to be very good over time because you think you can pick a better time to enter it.” Warren Buffett General Principles It is worth restating, even in the context of a letter primarily...
December 2018 Monthly Insight – Diversification
“You have to understand what market history looks like. What market history tells you is that the very, very best investments are made when things look the worst.” —William J. Bernstein Diversification of an investment portfolio is a best practice for long-term...
November 2018 Monthly Insight: The October Effect
"October: This is one of the peculiarly dangerous months to speculate in stocks. The others are July, January, September, April, November, May, March, June, December, August and February." —Mark Twain Finally, the month of October is over. What is it about the month...
October 2018 Monthly Insight: Becoming a Lifelong Student of Investing
“Tell me and I forget. Teach me and I remember. Involve me and I learn.” —Benjamin Franklin Have you ever embarked on a home improvement project? You are confident you can complete the task, but you are unfamiliar with the details. You need guidance from an expert....
September 2018 Monthly Insight: Discipline in the Face of a Record Bull Market
“This is the single greatest challenge long-term investors face: finding new reasons not to sell.” Michael Batnick, Director of Research, Ritholtz Wealth Management On August 22, 2018, the U.S. Stock market celebrated a bull run of 3,453-days. This is the longest...
August 2018 Monthly Insight: Don’t Fear the Yield Curve
“A flat yield curve, or even an inverted one, should not be on top of our worry list under today’s accommodative monetary conditions," --Burton Malkiel, Princeton professor of economics and author of "A Random Walk Down Wall Street", July 31, 2018 Recently you have...
July 2018 Monthly Insight: 5 Steps to Reducing Health Care Costs in Retirement
"Most Americans understand that annual health care costs have been growing faster than inflation for some time." - Planning for Health Care Costs in Retirement, Vanguard Research, June 2018 5 Steps to Reducing Health Care Costs in Retirement Health care costs will be...
June 2018 Monthly Insight: GDPR and Your Privacy Rights
"You have to fight for your privacy or you lose it." --Eric Schmidt, former Executive Chairman, Google and Alphabet The General Data Protection Regulation (GDPR) Over the last few weeks, you’ve probably received numerous emails from social media sites, apps you use,...