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It's Hard to Make Money as a Bear | Morningstar
The problem came with capital gains. Inevitably, such funds were late returning to the market, often so late as to not return at all. Getting back into equities after raising cash is a psychologically difficult task. The investor misses the early part of the recovery while awaiting evidence that the rally is genuine; then, awaits a decline that will provide an attractive entry point; then (typically) waits even longer.
investing  retirement  bear  covid 
4 days ago by fallond
How Much Should People Have Saved In Their 401Ks At Different Ages
Just imagine 30 years from now, the government deciding to raise penalty free 401k withdrawal to age 75 from 59.5? Unfortunately, you need the money at age 60, and because you withdraw, the government imposes a 30% penalty on top of the taxes you have to pay. Don’t think it can’t happen. Expect it to happen!

The only thing you can count on is after-tax money you’ve invested or saved. This is why after maxing out your 401k, it’s good to open up an after-tax brokerage account where you can consistently contribute a percentage of your paycheck each month. Your goal should be to then build as many passive income streams as possible.
investing  portfolio 
9 days ago by fallond
12 Best Investing Blogs in 2020 to Improve Your Finances - Investment U
Here at Investment U, we strive to provide top-notch financial news and investing ideas. Although, we’re not the only source of useful information. That’s why we put together this list of the best investing blogs in 2020.

We’ve listed each site below and why we think they’re a top source of investing ideas. The blogs below can help you find new investing ideas – and strengthen existing ones. Many of them also provide other financial tips and insight.
investing  blogs 
9 days ago by fallond
Simply Safe Dividends — Safe, growing income for retirement
Founded by a former analyst at an investment fund, Simply Safe Dividends is the trusted source of online tools and research for over 2,000 retirees managing their own dividend portfolios.
dividend  investing  retirement  pension 
9 days ago by fallond
What Is the VIX Telling Us? - The Big Picture
4. Buying into a deepening sell off is much harder than you believe: “Everyone wants to be a contrarian” could be my favorite sentence of all time. How many traders wish they could hold their emotions to one side, follow a few charts, and buy into the market lows? Even if you had a magic indicator, you are very unlikely to be capable of holding your emotions at bay to pull the trigger. Humans are social herd primates, a species that evolved over time with group cooperation as a survival strategy. You have been wired to not fight the crowd, and it is incredibly uncomfortable to do so.

Use the VIX to Make Your Buys: The VIX charts nearby give us a sense of exactly how much fear is occurring in the market right now. Some of this is as function of what we don’t know; some is simply a recognition that corporate revenues and profits are going to be pressured, perhaps deeply pressured, for at least a month quarter, and perhaps much longer. The chart below shows that the market did not bottom until months after the VIX peaked in October 2008. However, in 2018, the collapse of the VXN notes caused the VIX to rise in February, but it did not peak until the Q4 sell off in 2018. Of the 5 VIX spikes on the chart (se nearby table), 1 bottomed 91 days after VIX peak, another 29 days after. The other 3 were within 1 day of the VIX peak.
investing  trading 
17 days ago by fallond
I'm here, to remind you - The Reformed Broker
6. Never pull the goalie. The risk-off portion of your strategic asset allocation – most likely comprising some combination of long-term government bonds, short-term government bonds (or cash), TIPS, gold and municipal bonds, has done it’s job since the stock market’s peak. Long-term Treasurys in particular have gone literally vertical as yields have plunged. As improbable as bonds had looked for forward returns at the end of 2019, they have worked spectacularly well during the recent panic. These segments of your asset allocation are there to play defense for you. They come to represent the dry powder – so that when you rebalance into stocks that have gotten killed, you have somewhere to take the capital from that has performed well. Do this systematically over time and volatility’s effects have been negated. Our goalie, in addition to strategic holdings in these risk off assets, is literally called Goaltender. It’s a rules-based, tactical portfolio strategy that we use in differing amounts to help our clients reduce risk, lower exposure to volatility and remain calm in times like these. While we never publicly discuss how it works or its current positioning, you can read a little bit more about it here or talk to us about it here.
investing  pension  retirement 
19 days ago by fallond
What Happens to Stocks After a Big Down Month? - A Wealth of Common Sense
Every investor is told to buy low and sell high. But most don’t realize that buy low typically works out to buy low, then buy lower, then buy even lower, and once you really hate yourself, buy lower than you thought was possible.

This is the low part of buy low. We’re in it. I don’t know how many pegs lower we have to go (if any). No one does.

The (potentially) good news is the lower we go the higher the expected returns should be
investing  education 
26 days ago by fallond
How This Small Foundation Invests Like a Big Endowment | Institutional Investor
We are soft-closing the fund = We want to raise as much money as we can right now
We are hard-closing the fund = We are definitely open for you
We are not responsible for the bad track record at our prior firm = We lost money but are blaming all our ex-colleagues
We have a bottom-up approach = We have no idea what markets are going to do
We have a top-down process = We think we know what markets will do but really who does?
The markets had a temporary mark-to-market loss = Our fundamental analysis was wrong and we don’t know why we lost money
We don’t believe in stop-loss limits = We have no risk management
education  fun  investing  trading 
6 weeks ago by fallond
Why Market Timing Can Be So Appealing – Of Dollars And Data
As you can see, this strategy only buys when the market is in some sort of an uptrend and accumulates cash in between (since it “knows” that a lower future price is coming).

But, despite having information about future prices, the “Absolute-Bottom” buying strategy only outperforms by an unimpressive 22% (or 0.4% annually) from 1970-2019 (Note: Both strategies invest the same $12,623 (or $1 per trading day) over the time period shown):
investing  trading 
7 weeks ago by fallond
Option Premium Calculator: Streamlined and Easy-to-Use
OptionWeaver is a digital download that helps investors get started with selling options, including covered calls and cash-secured puts.
stocks  investing  valuation  income  options  retirement  pension 
10 weeks ago by fallond
Curveball Clarity - The Belle Curve
Question 1

Imagine that you are financially secure, that you have enough money to take care of your needs now and in the future. How would you live your life? Would you change anything? Don’t hold back on your dreams. Describe your ideal life. Consider in detail how you would spend the years, months, weeks, and days.

Question 2

You are still completely financially secure, but you visit your doctor who tells you that you have 5-10 years left to live. You will not be in pain or limited in any way by this disease, but it has limited your time on earth. What will you do with your remaining time? Would you change your life and how?

Question 3

Now your doctor tells you that you have one day left to live. Notice the feelings that arise as you confront your mortality. What dreams were left unfulfilled? What did you miss?

I have done this exercise twice. The first time, question three made it abundantly clear that I missed having children. My son was born about a year later. The second time precipitated my move to Ritholtz Wealth Management. Both times have been life changing, but the process requires some deep soul searching and can lead to painful decisions.
retirement  planning  investing 
11 weeks ago by fallond
Tesla 100 page Short Report
Interesting to see how this plays out
Investing  Research 
11 weeks ago by fallond
Project #4209: Bear Stearns – Clearing the Fog
The behavior edge is based around understanding the difference between the “wisdom of crowds” and the “madness of crowds”. The wisdom of crowds requires diversity of opinion among market participants. Wisdom flips to madness when diversity of opinion is removed. The tech bubble of 1999 of a good example of the madness of crowds while the current bull market is a good example of the wisdom of crowds. Even at $30, it could be argued that there was still strong diversity of opinion around BSC given that the average target price was $93.
investing  education 
11 weeks ago by fallond
Chris Perruna's Stocks to Watch 2020
I posted an abbreviated list of “Stocks to Watch 2020” on January 1st prior to completing my detailed analysis but now it is complete and pasted below. All stock prices quoted are from January 1, 2020.

I received questions on social media asking why I didn’t include the FAANG stocks and other big-time names that normally dominate the headlines. The annual “Stocks to Watch” list typically includes new and up-coming growth stocks that I own or candidates I am looking to own. Stocks such as AAPL, AMZN, GOOGL, MSFT, FB, V, MA, etc. should be owned in almost every portfolio already, whether in your active trading account or a more passive retirement account. Own those stocks as they will all likely double or triple over time, once again. Own an index fund as well and add dollars to it annually, during up and down years – just do it and check back in 30 years.
Investing  blogger 
11 weeks ago by fallond
Technical Strategy Archives - FS Insight
Good site for education trading, market cycles and commentary. Recommended by Josh Brown
investing  trading  education  pension  retirement 
december 2019 by fallond
Total Return versus Price Only - The Big Picture
The only problem with this approach: None of this was realistically possible in the 1930s. Or in the 1940s, 50s, 60s, 70s – even 1980s. It was barely possible 20 years ago, in the 1990s.

As Zweig eloquently states: “Total return isn’t just a concept; it’s also a technology.”
investing  retirement  education 
november 2019 by fallond
Finding the Obvious • Novel Investor
Since I had that name wished upon me I have given considerable thought to that very question, and I have decided that picking out the obvious thing presupposes analysis, and analysis presupposes thinking, and I guess…that thinking is the hardest work many people ever have to do, and they don’t like to do any more of it than they can help. They look for a royal road through some short cut in the form of a clever scheme or stunt, which they call the obvious thing to do; but calling it doens’t make it so. They don’t gather all the facts and then analyze them before deciding what really is the obvious thing, and thereby they overlook the first and most obvious of all business principles. Nearly always that is the difference between the small business man and the big, successful one.
education  investing  trading 
october 2019 by fallond
Barron's Says The 200 Day Moving Average Is Dead
The reason I like the 200 DMA as an indicator is that it is simple. When an index breaches its 200 DMA it indicates that there is some sort of problem with demand for equities. That problem may be serious or not so serious but it is a problem. The chart above shows that most of the problems turned out to not be serious. There is no way to be certain on day one or two after a breach whether the problem is serious (although there might be some hints related to the slope of the moving average and a couple of other things). What is (almost) certain is that a serious problem will play out over several months. Bear markets start slowly, typically giving several months to get out. Crashes are different, they tend to snap most of the way back quickly, they have tended to be better to buy than to sell. Even if you can't buy in the face of a crash, at the very least, not selling can be a difference maker.
education  investing  retirement 
october 2019 by fallond
So you want to invest in the stock market: what will it cost?
Clearly, if your broker is holding your shares, you need to be sure that, if they go out of business for any reason, your investments will be protected. Irish brokers are regulated by the Central Bank and they segregate their assets. DeGiro, meanwhile, is regulated in the Netherlands and uses EU passporting rules to allow it to operate across the single market. It too uses a separate custodian entity to ensure your assets are kept separate from the company’s balance sheet.

IG, which also uses a separate custodian, is regulated by the UK Financial Conduct Authority. It used to have an office here and when that shut, the company assured customers that their accounts wouldn’t be affected.
investing  ireland 
october 2019 by fallond
The Cost of Waiting – Of Dollars And Data
“Time in the market beats timing the market.”

Let’s say you had $2.4M you wanted to invest in the S&P 500, but you were too shy about going all-in now.  So, you decide to invest $100,000 a month for the next 24 months.  My analysis shows that you would have been better off had you invested all $2.4M into any stock/bond portfolio combination (80/20 stock/bond, 20/80 stock/bond, etc.) at the beginning instead of averaging-in over time.
investing  retirement  lumpsum 
september 2019 by fallond
10 Things I Have Learned Since RWM Launched - The Big Picture
In 2013, four of us launched RWM as an independent RIA. At the time, I announced it with a short post. Six years since then (9.15.13), we have grown to ~35 employees serving nearly 1,000 families with more than a $1.1B in assets.
business  investing  ria  job 
september 2019 by fallond
United States ranks as the third-most patient nation in the world - CSMonitor.com
Patience is often thought of in terms of social interactions. But the ability to bide one’s time also plays into national economics.
psychology  investing 
august 2019 by fallond
How I invest my own money - The Reformed Broker
My other big investment is the thirty-something percent I own of Ritholtz Wealth Management. We did a dilution last year in order to facilitate the first wave of equity partners buying in. Our intention is to be employee-owned, and to only make decisions that will benefit our clients and employee-partners going forward. The firm is entirely bootstrapped from day one – no private equity, no debt, no outside investors. This is both strategically and emotionally important to us.
investing  advice  finance 
july 2019 by fallond
May Dividend Income from YOU the Bloggers! - Dividend Diplomats
May Dividend Income from YOU the Bloggers! List of all dividend bloggers and the monthly dividend income recorded. Time to get involved?
dividend  investing  retirement 
june 2019 by fallond
How to Invest and Profit in the Next Recession - Bloomberg
No. 1. Clean out your portfolio: We all accumulate holdings for reasons that are too silly to go into and look terrible in hindsight: your brother-in-law’s stock recommendation, the initial public offering that didn’t work out, the hot tip from a broker.

Sell ‘em all! With markets near record highs, this is your best opportunity to minimize your losses, since this might be as good as it gets. Remember, weaker companies will do much worse than average ones in recessions. If you own any junk bonds sell them, too.

No. 2. Pay down debt: Today, markets are near all-time highs, unemployment is near 50-year lows and wages are rising. It might not be this easy to lower your outstanding obligations for a while. Give yourself a little maneuvering room and maybe sock away some cash in your emergency fund.

No. 3. Be ready to buy when stock prices plunge: Markets typically tank in recessions. Use the cash you raised from selling your garbage holdings and develop a plan of action while you are still calm and objective. Have the confidence to act when the time comes.

It can be simple, too. For example, plan on deploying your cash in tranches: Buy a U.S. index fund when markets are down 20 to 25%; add a developed global index fund when markets fall by 30%. And if we are lucky enough to enjoy a 35 to 40% decline (that's assuming you prepared for this moment), buy emerging-market stocks.

The trick to create this plan NOW, set some alerts and be prepared to put the cash to work when the predetermined levels are hit. You might look (and feel) foolish for a few months, but seem like a genius a few years later.

No. 4. Check and clean up your credit score: I found an erroneous blemish on my credit rating some time ago that took two years of arduous work to remove. Improving your credit score allows you to borrow at more advantageous prices. This helps if you want to refinance when mortgage rates drop, which usually happens during recessions, or take advantage of falling prices to buy a home. Improve your credit score when you don’t have to.
education  investing  recession 
june 2019 by fallond
Why I don't wake up to the news - The Reformed Broker
So at what point to I start paying attention to the news of the day? I might click a few links on Twitter or from The Compound site, which is the aggregator and curator we built for investors (thousands of people follow The Compound on Twitter), but I’m not watching any TV or listening to any business radio until closer to 10am. My philosophy is simple – I’m not going to react to the news of the day, so it can wait.
education  daily  routine  investing 
june 2019 by fallond
Technical analysis in major brokerages and financial media « Mathematical Investor
What’s more, as the quote about “entry and exit points” makes clear, market timing is central to using technical analysis methods. But the overwhelming consensus of professional analysts is that market timing is a VERY BAD STRATEGY, especially for individual investors with retirement accounts. In addition to the extra fees paid, in all too many cases investors sell out significant portions of their portfolio in a panic just before or after the market prices hit bottom, only then to miss a substantial rebound. For example, a financial advisor known to one of the present authors reports that at least one client who exited the market at the wrong time in the wake of the 2008-2009 downturn never recovered his/her previous level of capital. Other clients have been convinced to go “all in” during market highs, and yet have been reluctant to buy during market lows.
trading  investing  education 
may 2019 by fallond
The Problem With Most Financial Advice – Of Dollars And Data
Last year an article triggered most of the internet by claiming that you should have 2x your annual salary saved by the age of 35.  I was fortunate enough to have saved 2x my salary by the age of 27.  Why haven’t I written about my “secret”?  Because the “secret” is the thing in personal finance that no one wants to talk about:  it’s easy to save money when you have a high income.
finance  education  investing 
april 2019 by fallond
Dividend Investing Resources I Use - Dividend Growth Investor
The first resource that I have been using for several years is the list of Dividend Champions, Contenders and Challengers, that used to be maintained by Dave Fish. Unfortunately, Dave passed away last month. While a June list was published by someone else, I am afraid that noone will take the leadership role that Dave had in painstakingly updating that monster spreadsheet every month for a decade!
dividend  investing  retirement  pension 
april 2019 by fallond
The DRiP Investing Resource Center - DRiP Information, Tools, And Forms
The DRiP Investing Resource Center
Your Location For Dividend Reinvesting Information
Investing  dividend  income  retirement  pension 
april 2019 by fallond
Why So Many Investors Missed Nike’s Stock Rebound - The Big Picture
But markets are not perfectly efficient. For a long time I have described them as kinda, sorta, mostly, eventually efficient. I believe that is still an apt way to explain how sometimes, the crowd’s beliefs about the economy, equity markets or an individual company can be wildly inaccurate. For this reason, investors who have a different perception versus the crowd — plus a willingness to risk capital on that belief — can sometimes earn outsized gains.
investing  education 
march 2019 by fallond
Why So Many Investors Missed Nike’s Stock Rebound - Bloomberg
Legendary stock-picker Peter Lynch’s maxim to “buy what you know” has long been misconstrued to mean invest in the everyday products you consume. That’s not quite right, as it only reflects part of his investment strategy. The other half is buying what you have a unique insight into that the market has yet to figure out. Knowing what those things are is the hard part.

If
investing  instagram  pinterest  millenial  education 
march 2019 by fallond
The Bull Market Actually Isn’t 10 Years Old - Bloomberg
So go ahead and raise a glass to March 9th, the low point of the bear market that sprung from the financial crisis. But save some champagne for March 28 — the real birthday of the bull market’s beginning in 2013, when it eclipsed the pre-crisis highs of Oct. 9, 2007.
investing  education 
march 2019 by fallond
MIB: When Warren Buffett Suggests You Write a Book… - The Big Picture
GOOD WAY OF GETTING NOTICED NOW Howard Marks of Oaktree Capital began writing his Chairman’s Memos as part of his “thought process” in 1990. He describes the first decade of printing them — literally on paper, inserting them into stamped envelopes and physically mailing them off into the world — and receiving zero response. “We didn’t even know if anyone got them.” His January 2000 letter “Bubble.com” — was dead right and perfectly timed. When it became a Barron’s cover story, it was his first inkling that people were actually reading these.
business  investing  education 
march 2019 by fallond
Nobody Wants to Invest in Your Shit | Meb Faber Research - Stock Market and Investing Blog
For example, I believe in tilting toward value, carry, and momentum, which check box 1 and perhaps 2. I also believe in trend following (boxes 2 and 3), tail risk (3 and maybe 2), as well as angel (1, 3, and 4) and farmland (2, 3 & 4) investing. 

These departures from the global market portfolio work for me. I believe they are additive and worth the effort to include in the portfolio. However, I do my best to implement them in a systematic, low cost, tax-efficient manner. After all, building an automated process using tax efficient ETFs sets a very high hurdle for the addition of new funds and strategies.

Wrapping up, what’s important is that you find an investment approach that works for you. Yet it should set a high bar for after-tax and after-fee measures of risk and return. That way, when some fund manager pitches you the latest super proprietary, rigorous, high-tech alpha fund, you can politely reply:

“Hey bud, no one wants to invest in your shit”
investing  education 
february 2019 by fallond
Private Matters - HumbleDollar
IN SUMMER 2000, the Art Institute of Chicago fell under the spell of a young hedge fund manager named Conrad Seghers. The allure? Seghers claimed that his funds, called Integral, offered “the highest Sharpe ratios in the industry.” The Sharpe ratio is supposed to measure an investment’s risk relative to its returns and is popular in the world of hedge funds. Convinced by this pitch, the Art Institute committed more than $40 million of its endowment to Seghers’s funds
education  investing 
february 2019 by fallond
Even God Couldn't Beat Dollar-Cost Averaging – Of Dollars And Data
Logically, it seems like Buy the Dip can’t lose.  If you know when you are at a bottom, you can always buy at the cheapest price relative to the all-time highs in that period.  However, if you actually run this strategy you will see that Buy the Dip underperforms DCA over 70% of the time.  This is true despite the fact that you know exactly when the market will hit a bottom.  Even God couldn’t beat dollar-cost averaging. 
finance  investing  education  pension 
february 2019 by fallond
How to Wreck a Pension Plan in 3 Easy Steps
The study was meant to decipher whether it was asset allocation or market timing and security selection that drove portfolio performance. The conclusion showed that more than 90%of a portfolio’s long-term variation in return was explained by its asset allocation, leaving only a small amount that can be explained by an investor’s ability to time the market or successfully choose individual securities.
investing  pension  education 
february 2019 by fallond
Why Stock Buybacks Do So Little for Majority of Americans - Bloomberg
Stock-market participation: That so many middle-class families barely put aside money for retirement is astounding, and points to an imminent retirement crisis. There are several things Congress can do to fix this. Start with raising the Individual Retirement Account contributions limit above the current $6,000 ceiling to, say, $10,000. Then, tie the limits to inflation as opposed to the current random increases in the ceiling. This will let more people planning for retirement save enough tax-deferred so they are not totally reliant on Social Security.
investing  education  politics 
february 2019 by fallond
xkcd: Technical Analysis
Powerpoint image slide for Technical Analysis talk
education  investing  ppt 
january 2019 by fallond
A Dozen Things I’ve Learned From Comedians About the Business of Life – 25iq
“A fool and his money are soon partying.” Steven Wright. Good ideas for a powerpoint section breaks
investing  education  presentation 
january 2019 by fallond
The Middles - All Star Charts -
My friend JC likes to say picking tops and bottoms is the most expensive job on Wall Street.

A lot of the media’s time and attention is spent discussing whether or not something is bottoming (housing, stocks, consumer confidence, ratings, etc) or topping (tech stocks, valuations, bond prices, sentiment).  It’s great conversation but not helpful.

Because most of the time things are not bottoming or topping.  They are middle-ing.  They are churning or they are trending.  Most of the time, there is no inflection point at hand – these are rare occurrences.  So to focus on them to such a great degree is probably a distraction and definitely a waste of time.  And energy and emotion.

Think about the middle.

This is the chart that I had been pounding the table about to our subscribers throughout both November and December. It represents the percentage of NYSE stocks above the 200 day moving average. The buy signal is not when the percentage falls below a certain level. It is well after it reverses and then gets back above that level that we want to be involved from the long side. My level is 15%. Some other smart people I know wait until it gets back above 20%
trading  education  investing 
january 2019 by fallond
Why do we bother with stock market forecasts?
The same point is made by former Motley Fool columnist Morgan Housel, now a partner at the New York-based Collaborative Fund. “The most important thing to know to accurately forecast future stock prices is what mood investors will be in in the future,” writes Housel. “Will people be optimistic, and willing to pay a high price for stocks?” Or will they be “bummed out” and unwilling to do so? “You have to know that. It’s the most important variable when predicating future stock returns. And it’s unknowable.”
investing  education  trading 
january 2019 by fallond
Ireland equivalent for Vanguard index funds : eupersonalfinance
Bear in mind the 41% tax rate. Invest through your pension plan first.

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level 2
darave123
1 point
·
6 months ago
Cap Gains is 33%, no?

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level 3
XxXMorsXxX
3 points
·
6 months ago
Only in OECD, non UCITS etfs. US etfs for example, but you cannot access these as a retail investor, for now at least.
tax  us  ireland  investing  etfs 
january 2019 by fallond
This Is A Privilege, Not A Right - All Star Charts -
The other big piece of advice that stands out the most is Mike Bellafiore’s, “This is a privilege”. I think about it every day, or I try to at least. We’re lucky to be here. We need to appreciate that. This is not a God given right.
investing  trading  education 
january 2019 by fallond
Top 12 financial and investing blogs you should follow - RCM Alternatives
With 24/7 access to thousands of websites and blogs covering topics as far afield as VIX to private REITS to good old passive equities via ETFs, weeding out the *really* good ones can be a challenge. Although it would be nice to spend all day canvassing the internet for the best ones around, we think that after 7+ hours you may have a little explaining to do. Lucky for you, we’ve already done the hard work (😉). Here’s our list of the best, the greatest, the top financial and investing blogs that you should be following:
blogs  websites  investing  trading 
january 2019 by fallond
How to Use Behavioral Finance in Asset Management, Part II - The Big Picture
3. Milestone Rewards: The average holding period of a mutual fund is 3.3 years. Rather than let this “3-year itch” cause undue turnover, taxes, etc., at the 3 year mark we lower clients’ fees by 15 percent. To qualify, they must have shown good behavior (e.g., no day-trading their accounts, or selling their EM because they heard something bad about Turkey).
RIA  business  startup  practices  investing  portfolio  strategy 
december 2018 by fallond
Plain & Simple
Price is truth at any given moment, more so than any other indicator. It tells you exactly how your fellow market participants are acting, not what they’re saying or what they might someday do. Now, you can extrapolate this truth into a prediction, of course, but then you’re guessing just like everyone else. Nothing wrong with that, every investor is guessing about something. Some of us have better inputs for our guesses than others.
trading  education  investing 
december 2018 by fallond
John Bogle: RIAs Are the Future; Trading Is Investors’ Enemy | ThinkAdvisor
You stated in that same interview: “It’s nuts to have ETFs in a 401(k) plan.” Still feel that way?

Yes. We know that employees like to trade company stock, which is an indication that they’re not sophisticated enough to know that simplicity and low cost are the way. The investments in 401(k)s aren’t designed to be traded. They’re designed to be bought and held forever. Trading is the investor’s enemy, by definition.
investing  education 
december 2018 by fallond
Hunker down, crypto owners, the worst is yet to come: Fred Wilson - MarketWatch
Yet, despite his cautious remarks, Wilson is a true crypto evangelist. The early adopter and bitcoin bug has made multiple investments in blockchain-based projects, and in June he said 15% of his active portfolio is made up of companies in the crypto and blockchain sector.

Despite his comments, Wilson said those willing to ride out the storm could be banking some fat profits in years to come—but not before a few more hiccups. “I think some crypto asset (and possibly a number of crypto assets) will have a price chart like Amazon’s current one in 18 years,” he said.
investing  education  cryptocurrency 
december 2018 by fallond
‘Vanguard trying to sue me put us on the map’: Adviser Investments’ Dan Wiener and Jeff DeMaso | Citywire
That line is crucial to DeMaso and Wiener’s philosophy. ‘We think it’s really important to look at who the manager is, not the name of the fund,’ Wiener says.

Their other key tenet is ‘Time in the market, not timing the market.’ They are not prescriptive about advisors using certain managers, but the high concentration of assets with a relatively small number of teams suggests that advisors tend to buy into their picks
investing  education 
december 2018 by fallond
Musings on Markets: The GE End Game: Bataan Death March or Turnaround Play?
The Bottom Line
As many of you know, I believe that every valuation has to have a story. With some companies, like Amazon and Google, the story is uplifting and optimistic, and the valuations follow, but they still might not be good investments, since their prices may be even higher. My story for GE is not an upbeat one, but if it (and its management) acts its age, accepts that slower or no growth is what lies in the future and does not over reach, it is a good investment. I believe that the market has over corrected for GE's many faults, and at the current stock price, that it is significantly under valued. I will buy GE, but I will do so with open eyes, not expecting (or wanting) dividends to be paid until the debt gets paid down and the company exits the capital business with as much grace (and as few costs) as it can muster.
investing  education 
november 2018 by fallond
live.trading212.com
Trading212 commission free trading UK - One for kids? ONLY CFDs...
investing  trading  children 
september 2018 by fallond
5 Years On . . . - The Big Picture
Around this time, circa 2010, I met Josh at a conference in Coronado Island off San Diego. (He tells his version of that meeting here). If you know me, you already know who Josh is. That first meeting was simple: here was a guy who was obviously talented and smart and funny – how had the market overlooked him? I had seen his blog, thought he was an emerging writer with something to say and a sharp, intelligent way to say it. What was he doing on the wrong side of the street – the Sell Side? He asked what he needed to do to join the Buy Side, the answer was obvious.
business  startup  investing  story 
september 2018 by fallond
Roofstock | Buy and Sell Investment Properties
#1 Marketplace for buying and selling
single-family rental homes
rental  investing  online 
september 2018 by fallond
How To Make $1,000,000 - The Math And Strategies That Work
Realtyshares – Realtyshares offers investors a variety of properties to choose from, including residential, mixed-use, commercial and retail. They don’t charge their investors fees, instead placing that burden on the property holders. Investors can start seeing a return just a few weeks after the project is funded. We are partners with Realtyshares, and they’re giving College Investor a $100 bonus when you make your first investment using promo code Partner100.
Fundrise – One of the most popular real estate investing sites, Fundrise has a minimum investment of $500 and charges between 0-3% in fees. The site is ruthless about which projects it accepts – only about 5% of proposals are chosen. Fundrise is another one of our favorite sites simply because of the range of investment properties they have to choose from, but also because you don’t have to be an accredited investor to invest – they are one of the only platforms that allows this currently.
real  estate  investing 
september 2018 by fallond
The Bear Case For US Stocks
Other inter-market relationships that we use to measure risk appetite include the Dow Jones Industrial Average vs Utility Average, S&P High Beta vs Low Volatility, and Consumer Discretionary vs Consumer Staples ratios. All three of these saw some deterioration throughout 2018, breaking significant support levels several months ago, and now have all reversed sharply higher to reclaim support. Bulls want to see this short-term improvement continue into the intermediate-term, with all these ratios making new highs at some point. 
investing  trading  education 
september 2018 by fallond
Betterment’s latest human touch: Coffee with customers | Financial Planning
At his doughnut shop in North Carolina, Nate Ernst was expecting a very special visitor.

Ernst, a longtime Betterment customer, would be meeting a company representative for the first time. But instead of a financial advisor, in walked Seth Styers, a Betterment copywriter.

In its ongoing evolution from a completely automated platform to an advice hybrid with financial planners, an institutional arm and a network that pairs clients with RIAs, Betterment (which now has over $14 billion in AUM) has rolled out a new initiative to connect with its customers.
job  investing  trading 
august 2018 by fallond
Fidelity one-ups Vanguard: First company to offer no-fee index fund
No fee / low fee ETFs and funds

Schwab Total Stock Market Index 0.03 percent
Schwab Multi Cap Core ETF 0.03 percent
Vanguard Total Stock Market 0.14 percent
Vanguard Total Stock Market ETF 0.04 percent
iShares Core S&P 500 Equity ETF 0.04 percent
Schwab International Index Fund 0.06 percent
Vanguard Total International Stock Market Fund 0.17 percent
Vanguard Total International Stock ETF 0.11 percent
iShares Core MSCI International ETF 0.10 percent
Fidelity Total Market Index Fund 0.015 percent
Fidelity Total International Index Fund 0.06 percent
retirement  pension  funds  investing 
august 2018 by fallond
Is the Key to Beating the Market Written in the Stars? - Bloomberg
TAROTINVESTING Even odder than the existence of the Astrologers Fund is its ability to attract the interest of nonlunatics. A few years ago, Fox News’ Neil Cavuto told Weingarten on the air that he was “one of the best stockpickers I know.” Post-symposium, at the Princeton Club, Weingarten and I are joined at a table by a buttoned-down crew. One of them is an analyst for a small investment bank; another says he runs his own family office. Everyone has some kind of relationship with Weingarten, from the cordial to the professional, though nobody seems to understand how financial astrology works. “Tell me the time, don’t build me a clock!” says Paul Feeney, a corporate headhunter, repeatedly.
investing  astrology 
august 2018 by fallond
TechnicalsFundamentals.jpg (1050×810)
Trading education; fundamental vs technical analysis
investing  trading  education 
july 2018 by fallond
The Nine Essential Conditions to Commit Massive Fraud
Not all of the investment losses to come will be a result of fraud or cheating; good assets decline in value too. But undoubtedly, the most memorable debacles will involve fraud and cheating, to go along with the customary lack of attention being paid to details and the general sense of risk-free delusion. Almost everyone saw losses during the post-tech bubble period of the early 2000’s, but Worldcom and Enron are the touchstone moments we recall with the most ease. There were plenty of losses to go around in the wake of the financial crisis, but the reckless confidence games being played by Lehman Brothers and Bernie Madoff stand head and shoulders above the rest of the disaster in our collective consciousness.

As speculator Jesse Livermore said, a hundred years ago, “There is nothing new in Wall Street. There can’t be because speculation is as old as the hills. Whatever happens in the stock market today has happened before and will happen again.”
investing  cheating  education  presentation 
july 2018 by fallond
Why Dow Jones Industrial Avg Is Underrated - All Star Charts
Every week I go over every single Dow Component on both weekly and daily timeframes. I simply go in alphabetical order, starting with Apple $AAPL and finish with Exxon Mobil $XOM. One by one I start with the weekly chart to get structural perspective on the stock looking back 10 and sometimes 20 or 30 years. I take note of any overhead resistance, downside support, the direction of the price trend and momentum readings. Then I turn to the daily chart for more tactical perspective. Once we have an idea of the longer-term trends, shorter timeframes are good for execution: entry and exit points.
trading  investing  education 
june 2018 by fallond
Why We Do What We Do - The Big Picture
Path to Success

3. Media: We are often asked why we blog, write, and publish.

Here is why: I am deeply, morally offended by the amount of dishonest, atrocious fuckery I see.

I am fortunate to have a platform upon which I can pushback against the nonsense; this blog (Typepad circa 2003) morphed into the Washington Post (2X/month) into Bloomberg (Daily). Having an ability to counter whatever nonsense we see is a responsibility I take seriously.
startup  investing  blogging  business 
june 2018 by fallond
How It Works - Ribbon Home | Helping home buyers win and access discounts
Ribbon is starting with homes that match the following criteria:

Located within our service area (Charlotte, NC right now. We are launching in more markets soon.)
Ribbon valuation range of $100K to $600K
Single family residential homes, typically 3 beds, 2 baths, with at least a garage
We’ll also buy some townhomes and condos that can receive traditional financing and allow for rentals.
Clear title held by the seller
At least 1,300 square feet
Lot size of less than one acre
Of course there are always exceptions, so please reach out at (704) 912-4290 if you want to make a Ribbon Offer on a home that does not fit this criteria and we will try to find a way to help you!
property  fintech  investing  trading 
may 2018 by fallond
Bill Sweet's Year End Checklist - The Big Picture
Bill reminds us that as the year comes to an end, there are things smart investors should be doing to reduce optimize their taxes. His key 6 items are shown below.
tax  investing  retirment  us 
may 2018 by fallond
What Are Senior Citizens’ Biggest Financial Regrets From Their Twenties?
“But the earning power of compound interest is based on time, so an initial delay can have severe consequences. Thus, for young folks these days, opening a Roth IRA as early as possible is vital,” he said. “For example, if a 23-year-old fresh out of college puts $3,000 per year into a Roth IRA that earns a 7.8 percent average annual return, 44 years later at retirement, that $132,000 of invested funds will have grown to $1,009,275. On the other hand, starting the same Roth IRA 20 years later will yield very different results.”
retirement  education  investing 
april 2018 by fallond
15 Smart Ways to Invest $10,000 (in 2018)
1. Peer to Peer Lending 2. Auto-Pilot Investing 3. Invest in a High Yielding Savings Account or CDs 4. Build Your Own Motif 5. DIY Stock Market 6. Real Estate 7. Coaching Programs 8. Getting a Designation 9. Going Back to School 10. Online Courses 11. Starting Your Own Business 12. Starting a Blog 13. Launching a Podcast 14. Resell Products on Amazon FBA 15. Pay Off Debt
monetization  small  business  startup  investing  pension  retirement 
march 2018 by fallond
#1 Simple Bitcoin Price History Chart (Since 2009)
With the current mining reward of 12.5 BTC per block solution, Bitcoin supply is inflating at around 4% annually. This rate will drop sharply in 2020, when the next reward halving occurs. That Bitcoin’s price is rising despite such high inflation (and that it rose in the past when the reward was 50 BTC!) indicates extremely strong demand. Every day, buyers absorb the thousands of coins offered by miners and other sellers.
trading  investing 
february 2018 by fallond
If you're under 40 you should be hoping for another stock plunge, says pundit Josh Brown
If somebody is investing because they want to use the money a year from now, they're making a mistake because in any given year you're going to have 10% drawdowns. But if you have a 10-year time horizon, you have an 88% likelihood that the stock market is higher when those 10 years are up. That's starting in any month of any year going back to 1926.

If you have a 20-year time horizon, it's 100%. There are zero 20-year periods where the stock market is down from the month and year you started. If you understand that and then you're talking to somebody who's 35, you ask them, are you using this money in the next 10 years or 20 years?
investing  education  millenial 
february 2018 by fallond
Should You Dollar-Cost Average? | Flirting with Models
The case against Dollar Cost Averaging: It is important to move beyond a myopic view, commonly witnessed in the market, that DCA is best for every situation. Even though LSI may feel like market timing, DCA is simply another form of market timing. With relatively small balances, DCA can also increase commission costs and possibly requires more oversight or leads to higher temptation to check in on a portfolio, resulting in rash decisions.

Ultimately, the best solution is the one that gets an investor into an appropriate portfolio, encourages them to stay on track for their long term financial goals, and appropriately manages any behavioral consequences along the way.
Investing  Education 
february 2018 by fallond
Compare your country by OECD
Agricultural crop production forecasts to 2026 interactive map. Great for Seeking Alpha writing articles
seekingalpha  research  investing  trading 
january 2018 by fallond
When Overbought is Bullish - The Big Picture
But, they also back it up with some data: “Sure enough, when the S&P 500 weekly RSI has gotten over the historically super overbought level of 80 (like recently), the returns have been better over the longer term.”
investing  trading  education 
december 2017 by fallond
Precious Metals Continue Their Downtrends - All Star Charts -
One of the biggest reasons why we’ve been so bearish is because we have not seen any evidence of risk appetite, just the opposite. When we look at the Silver vs Gold ratio, it historically goes up during an environment when precious metals are rising. When metals are falling in price, Silver’s losses tend to be much larger than the Gold losses. This ratio has always been a great indicator for us to measure risk appetite for metals. We can see this here:
gold  silver  precious  metal  investing 
december 2017 by fallond
Two dividend growth stocks raising dividends like clockwork - Dividend Growth Investor
McCormick & Company (MKC) is engaged in manufacturing, marketing and distributing spices, seasoning mixes, condiments and other flavorful products to the food industry, including retailers, food manufacturers and foodservice businesses. The Company's segments include consumer and industrial.
dividend  investing  retirement 
december 2017 by fallond
Seedrs and Crowdcube go head to head | Startups.co.uk
Seedrs and Crowdcube go head to head
As the UK equity crowdfunding platforms are named the country's most active investors, Startups.co.uk weighs up the success of the rival businesses...
crowdfunding  startup  monetization  investing 
november 2017 by fallond
Notes for Chat with Traders, Episode 94 — Maoxian
If you're sitting at your computer between 11:30 and 12:30 or 2:30 PM, you're sick
"Flat, my friends, is a position."
Kenny runs a private chat
People can come and hang out with Kenny in his trading room for a month for free
"I'm a Jewish fellow [but] can make an amazing ravioli"
Can pay a one-time membership fee to be friends with Kenny
The hardest part is sticking to the concepts that you know work
Kenny says some kind things to Aaron in parting
www.hitthebid.com
Twitter: @HitTheBidRadio
trading  investing  education 
october 2017 by fallond
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