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from Lonier Financial Advisory LLC, Osprey, FL

Tag Archives: strategic 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 […]

Lifetime Investing, Part Three—The Global Market Portfolio

In the last few posts, we have been discussing the investment phases of a lifetime financial plan. In the first we discussed the retirement income phase and in the second, the savings phase. In this post I will discuss how to create a low-cost, broadly diversified portfolio that is invested in the global economy to […]

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 […]

Getting Sensible

Learning about finance and investing is probably not high on your list of leisure activities, maybe ranking somewhere between watching curling and vacuuming the dust behind the refrigerator. Check out this series of eight short broadcast-quality videos at SensibleInvesting.tv. Though not quite Downton Abbey, they’re (mildly) entertaining for their British lilt while providing an easy […]

The Market’s Turning Down—Now What?

The Dow and S&P 500 have now both broken below their 50-day moving averages, down over 4% from last week’s 52-week highs. After five down days, many of the popular momentum indicators are trending lower. So if you’re following this, what to do now? You can see, surely, the problem with market timing. There really […]

Retirement Fund Recovery

The Urban Institute, which hosts a site dedicated to non-partisan retirement policy research, posted a year-end update of retirement account balances. Total retirement account balances fell about 31% or $2.7 trillion in Q1 2009, the market bottom of the recent financial crisis, from the pre-cash peak total in Q3 2008 of $8.7 trillion. The good […]