Positive returns frequency

What is the Frequency of Positive Returns?

People focus on returns, average returns, good or bad returns. Rather, progress isn’t made over short terms, but over the longer term. So how often have the markets been positive? The below article explains how to better view markets and how you should participate in them for healthier and wealthier outcomes. It illustrates how infrequent […]

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sunset pier

How many times can you plan on spending an asset in retirement?

How many times can you use a source of money in your retirement plan? Turns out, just once, unless you know ahead of time WHEN something is going to happen, or if something was NOT going to happen. Since we don’t know either, we need to plan on what resources may solve which issues we […]

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Markets are always uncertain

Markets are always uncertain

Markets are always uncertain. Actually, as the article below states, markets aren’t uncertain … uncertainty is a human condition that is emotional and the markets simply reflect this emotion among the many other emotions market participants feel. I like to schedule posts in advance. You’ll notice the article below is dated May … when the […]

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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 […]

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After-tax 401k's vs Roths ... and rollovers; they're different!

After-tax 401k’s vs Roths … and rollovers; they’re different!

Some plans offer “after-tax” 401k contributions. Aren’t these the same as a Roth 401k? Nope! There are three (3) different types of 401k contributions – IF your plan offers them … and each one has its’ own tax treatment: The 401k most people are familiar with. These are subject to the contribution limits each year. The […]

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