Archive | Investing

Investor Behavior

Does Behavioral Finance Matter?

Investing success relies more on patience and discipline than return on investment. It can also require pain and sacrifice. Yet, many focus so intently on potential returns and trying to predict the future. Instead, focus on what you can control. The biggest risk to investing success is our own behavior. Behavioral Finance Defined Behavioral finance is the […]

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What is diversification?

What is Diversification?

Diversification is an important principle that prudent investors and advisors adhere to. It is best explained by the expression “don’t keep all of your eggs in one basket.” If XYZ stock is the basket you put all your eggs into and it goes haywire, all your eggs are gone. And that isn’t good. Diversifying requires an investment […]

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Tax Diversification

How To Reduce Taxes In Retirement

We hear a lot about the need for diversification when talking about our investments. You know the expression “don’t put all your eggs in one basket.” In the investment world this most often refers to the idea that you shouldn’t put all of your investment in one stock. But what about taxes when planning for […]

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Infation: 12-month percentage change - Consumer Price Index

Is inflation bad for investments?

Inflation is the increase in prices for goods and services during a period. It is measured by the Bureau of Labor Statistics (BLS) and reflected in the Consumer Price Index or CPI. In the U.S., average inflation rates were 3.27% between 1897 and 2022. Moderate inflation has existed throughout the natural economy of over 100 […]

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Bitcoin - Should You Get In?

Bitcoin – Is it time to buy?

Bitcoin and cryptocurrencies are receiving significant attention lately. The collapse of FTX and arrest of former CEO, Sam Bankman-Fried, has raised concerns about the safety of invested funds. In addition, the latest Bitcoin price is $16,914.10 as of 12/11/2022. That is down from $64,400 roughly a year before. It’s one thing to experience a significant […]

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Mutual Fund Share Classes - How They Work

Mutual Fund Share Classes – How They Work

Mutual fund share classes can often be confusing for investors looking to save for retirement. Understanding how they work is key to making smart investing decisions. If you’re socking money away in a retirement account, the odds are you’re investing in mutual funds. Mutual funds allow investors to pool their money together and receive professional […]

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