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Tag Archives: asset allocation

Lifetime Investing, Part Four—Getting Your Level of Risk Right

In part three of this series, we discussed how to create a low-cost portfolio invested in the global economy that reliably returns market returns, less costs, year in and year out while diversifying away the risk of picking and owning stock in individual companies. We discussed how to set up two indexed sub-portfolio one for […]

Know Where You’re Going Before You Buy A “Go Anywhere” Bond Fund

The financial services industry is quick to turn any new investor distress into a hopefully profitable if sometimes dubious investment product. Take bonds, for instance. Investment quality bonds, bought and held to maturity, are among the safest and most predictable investments. Annual income is a function of the coupon rate, and you get your principal […]

Lifetime Investing, Part Two—The Savings Phase

In part one I discussed the four phases of a lifetime savings and investment plan and how investing during the retirement income phase is driven by the strength of your household balance sheet, not by the need to beat the market or stretch for yield. The stronger your balance sheet, the more risk capacity you […]

Lifetime Investing, Part One—The Retirement Income Phase

There are all kinds of approaches to investing, from various long-term investing strategies to some pretty rarefied and/or hair-brained schemes for winning big by beating the market.  Managing savings and investments through employer sponsored plans and IRAs to meet a long-term retirement goal is the antithesis of fast money schemes aimed at beating the market […]

All Time High—Is the Market Half-Full or Half-Empty?

All time high. And for whatever reason you’re sitting on a lot of cash, maybe you pulled out of the market during the dark days of 2009 (ouch), or have accumulated some savings, an inheritance, or other windfall. Or maybe you have a bunch of scattered investments and cash in money markets that got thrown […]

Pre-retirement – Shifting Gears

In the 5-10 years before retirement you begin to shift gears. If you’ve been following a lifetime financial plan, by this time you should have a sizeable and growing investment account that’s spread across risky and less-risky assets in a way that is well suited to your goals and resources. Your investments are growing at […]

Shaping a Prudent Investment Strategy

Last time we said that idle money loses value, so you need to put it to work. That’s why you invest, so your savings will grow in value over time. At today’s rates, the traditional safe methods, bank savings accounts, CDs, and money markets, offer negative real (after subtracting inflation) returns. In order to put […]

Getting Back in the ‘Vanguard’

With the market within hailing distance of a new all-time high, on top of a 12% gain in the past three months, snake-bit investors and savers are beginning to think about equities again. The Atlantic recently posted “Smart Investing is Easier Than You Think,” making some good points about fund costs and asset allocations. One […]

Gains and Growth in Emerging Markets

After a half-year slipping away, emerging markets have sprung back to life in the new year. VWO, Vanguard’s emerging market ETF, is up 14.8% YTD, twice the gain of the S&P, which at 1350 is itself pushing towards a new interim high since its peak in Oct. 2007. [imageeffect type=”frame” width=”600″ height=”200″ alt=”” url=”http://www.lonierfinancial.com/uploads/2012/02/vwo-spx-ytd.jpg” ] […]

The Investment Answer Book

There are a number of straightforward, short books about investing that I recommend as good reads for the layman or average investor. Short as in well-written, clear, with understandable explanations of complex concepts, while not thick enough to use for flattening fall leaves. Working your way through 600 pages on finance and investing, you’ll be […]