Current strategies for tax optimization by asset location in after-tax, pre-tax, and tax-free (Roth) accounts are unchanged. Because of lower […]
Paper money is the original risky asset, pays nothing, and is fully exposed to inflation. Wall Street would have you […]
Summary One thing income is not is wealth. This is the first confusion we might encounter: High income does not […]
Wall Street is selling wealth management by managing returns volatility when the vast majority of us probably need something else. Depending on where you are in the lifecycle, you likely will be better served managing savings or managing spending.
For existing portfolios I rebalance when Upside regional allocations fall more than 20% outside of their regional target percentage. This rebalancing allow us to add to those regions in the global market portfolio that are now selling at a lower cost—buying low—while we sell at higher prices those regions that exceed their targets by 20% when that occurs. Buy low, sell high!
Value averaging down increases market returns by lowering your basis. Dividends increase the total return further.
That’s how you catch a falling knife without bleeding. And that’s why this is a good time for those who have a strong balance sheet and a long-term plan to manage Upside, Floor, Longevity, and Reserves.
Most folks think investing is about picking stocks and dodging in and out of the market before the roof falls […]
You know that the fees you pay to invest your savings matter, and that these costs, even tiny percentages, can […]
Upside is the amount that can be exposed to market risk for growth without jeopardizing household lifestyle.
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