Archive | Behavior Corner

Factor Based Investing

Your Complete Guide to Factor-Based Investing – Review

What are factors for investing? How are they determined? Why are they useful? Your Complete Guide to Factor-Based Investing: The Way Smart Money Invests Today Paperback – October 7, 2016 by Andrew L Berkin and Larry E Swedroe discusses this.   What are factors? “A numerical characteristic or set of characteristics common across a broad […]

Continue Reading · 0
StockSnap_P9YPEQPQ18

Is Robo-Advising the way of the future?

What is Robo-Advising? From Widipedia: “Legally, the term “financial advisor” applies to any entity giving advice about securities. But most robo-advisors limit themselves to providing portfolio management (i.e. allocating investments among asset classes) without addressing issues such as estate and retirement planning and cash-flow management, which are also the domain of financial planning.”   So, […]

Continue Reading · 0
unclaimed property

How safe is your IRA? Not from the markets, but from the State!

I discussed how inheritances can go amuck and the heirs don’t get the inheritance – the State does. This can happen while you’re still alive too! Did you know that the State can claim your IRA (or any account for that matter) due to inactivity?   A couple of articles to drive the issue home: Protect client […]

Continue Reading · 1
SS @66 v 67

Social Security as Longevity Insurance

Most people look at the benefits they would receive today when making their decision about when to begin receiving their Social Security. They also underestimate how long they may live unless they already have medical issues that are known to reduce longevity. These two impulses cause many couples to begin their benefits too early which […]

Continue Reading · 0
20000

DOW 20,000 … the more things change, the more they stay the same!

DOW 20,000. Is that good? Or is that bad? Guess what – this is simply another way point much like DOW 15,000 was, or DOW 10,000, or pick any DOW number. The Power of the Markets Markets don’t know your specific emotions and behaviors – so the markets march on ignoring them. It is best […]

Continue Reading · 0
Model

Just where does the fear of outliving our money come from? Part II.

The foundation to answer where does fear of outliving money come from was laid in yesterdays’ post (Part I). Why is all of this important? The fear of outliving your money also (there’s another reason listed below) comes from behaviors of the present self not considering the impact of present actions on your future self. Chile’s […]

Continue Reading · 2