“Part 7 of an eight-part series on the lessons to learn from stock market history explains why, despite the constant temptation to trade, the best thing that investors can do once they’ve built a portfolio that matches their attitude to risk is… nothing. Actually, that’s not strictly true, because it is wise to rebalance your […]
“Part 5 of an eight-part series on the lessons to learn from stock market history looks into why complex investment products should generally be avoided. Instead, investors should try to keep things simple, and the simplest way to invest in equities is via index funds.” Part 5 Keep it Simple http://youtu.be/8WVVPgaclH8 Complicated products don’t work […]
“Part 3 of an eight-part series on the lessons to learn from stock market history explains why investors need to stay calm when, inevitably, markets turn volatile.” Part 3 Stay Calm http://youtu.be/oy8XVpFbbdo There is a direct mathematical link between risk and expected return. Investors are always emotional during bad times. Panicking is the wrong thing […]
“From Tulip Fever to the Dotcom Bubble and the Credit Crunch – what have we learned from the famous stock market crashes of the last few hundred years? Watch this space for a brand new eight-part series from sensibleinvesting.tv in which leading finance experts explore what the lessons of the past can teach us about […]
Gone are the days of work, golden watch and retirement with a pension. Few companies offer pensions today and government workers are also being shifted to retirement savings plans where they contribute instead of being solely employer based. Longevity was shorter when pensions were the rule so the pension plan was on the hook for […]
Inflation is a persistent increase in general prices in an economy which results in a loss of purchasing power. The effect of price increases is insidious because we remember what the price was a short time ago, but not prices longer ago. Let’s take a look at both how prices have gone up and the […]
School is about to start soon! “Little is known about the true scope of child identity theft. Child advocates, regulators, financial services and other professionals agree it is a particularly damaging crime that can go undetected for years (my emphasis added), only to be discovered when the victim applies for a student loan or credit […]
You’ve done a good job and have your estate plan in place with all your needed documents. What else needs to be done? Nothing – unless – you have young adult age children (over the age of majority, depending 0n your State, age 18-21+). What happens when they’ve had a serious accident or worse? I know – hard […]
Smart Beta is basically a marketing term since there’s no consensus on what strategy the term describes. The short article below briefly describes what beta basically is and that factor models pioneered by Fama and French are more rigorous at getting to the questions of what and where returns come from. Portfolio perspectives smart_beta_0614 from Better Financial […]
This final part looks at how the investment industry demands of active fund managers don’t match what the role of the industry should be. The financial system should also change from the current short term focus to a long term focus. Finally, this final part ends where Part 1 began – “Is it skill? Or is […]
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About Larry Frank Sr.
As an MBA and CERTIFIED FINANCIAL PLANNER™ practitioner, I help people make sensible plans for a successful retirement. I'm also the author of Wealth Odyssey, a book about financial planning. My retirement planning research is published periodically in the Journal of Financial Planning.
Have a Financial Question?
- Are market returns really the key to your portfolio value?
- Rebalancing? How does it work?
- Resources to help with aging issues
- The Dividend Income Illusion.
- How do Safe Withdrawal Rates compare to Dynamic Retirement Income?