You’ve probably heard that it’s never too early to start saving for retirement, but is that really true? Should we really be focussed on retirement planning in our early 20s? Should the very beginning of our working life be when we start planning for the end of it? The answer, like the answers to many […]
What’s Discussed: The calculations herein are based on the online data posted by Nobel laureates Eugene Fama and Ken French.[1] Fama and French are best known for their pioneering research identifying how factors such as value and momentum influence stock price outcomes. In the Fama-French methodology, US stocks are sorted into deciles each month based on […]
Are you making investment decisions based on recent events? If so, you may be falling victim to recency bias. When it comes to investing, it’s easy to get caught up in the latest news and let it influence your investment choices. However, this cognitive bias can have serious consequences for your investment performance. Understanding recency […]
The exchange-traded fund (ETF) structure shares certain similarities with mutual funds, but also important differences that investors need to understand, especially if you’re used to investing through mutual funds. These differences can prove to be advantageous for investors in actively managed ETFs compared to other investors who hold their money in active mutual funds. Investing […]
Scenes of disgraced FTX founder Sam Bankman-Fried in the courtroom this month have brought the dangers of investing in cryptocurrencies to the forefront of public consciousness again. Yet not all digital assets are alike, nor are they equal in value, and for some, greater institutional adoption is bringing legitimacy. One of America’s largest asset management […]
If you work for a publicly-traded company, your employer may offer you the chance to buy shares of your company’s stock through a program called an Employee Stock Purchase Plan (ESPP). The idea behind ESPPs is simple – to give employees the opportunity to profit from the success of the firm and participate in its […]
In a recent article, I explored results coming out of Morningstar’s recent research into the success rate of active funds vs. passive ones (the full report is online: US Active/Passive Barometer – Midyear 2023). The gist of the report is that in the short term (one year), active funds are more likely than not to […]
I was in my early 30s and had recently arrived in the US with a wife and two toddlers. Things were tight, living on $31k. Very tight. We were beyond happy to find that the local hospital cafeteria sold hot meals for under $3 because $0.20 supermarket ramen noodle packets were often dinner at our […]
How much you should invest in stocks in retirement depends on what you prioritize I’ve been thinking about “retirement” for three decades. I put the word in quotation marks because I don’t mean to ever retire in the accepted meaning of the word. When I was 30, an Ameriprise financial planner who wanted to sign […]