Tag Archives: investing

  • Fast Forward One Year

    What a difference a year makes.  Do you recall how 2016 started? The United States’ Federal Reserve announced the first interest rate hike in years in December of 2015, and the S&P 500 would then plummet almost 11% over the following 8 weeks.  At the same time, Japan and a number of European countries initiated […]

  • Roth 401k vs Traditional 401k, Which is Best?

    Recently, there has been renewed discussion about whether employee investors should make traditional pre-tax contributions into their employer-provided 401k plan or take advantage of the Roth 401k option.  Over the past several years, many employers have added a Roth 401k option to their retirement plan offering, which is the basis for the increased discussion. What […]

  • Emotions and Decision-making

    Some time ago, one of my colleagues wrote a three-part white paper on how emotions can affect our decision-making processes.  How it is next to impossible to remove the emotional bias from everyday decisions when it comes to finances.  There was much discussion about how our brains process information and the paper even described the […]

  • Behavioral Finance – Part III

    “If I had a million dollars…” is a refrain often spoken and contemplated. From song lyrics to day dreams, we spend time fantasizing about what we would do with such a large sum of money. For many, accumulating a million dollars seems unattainable, but in reality, it can be achieved. The keys are: utilizing a […]

  • Why International Markets Still Matter

    Of the world’s 500 largest companies, how many do you think are domiciled outside of the U.S.? Would finding out the answer is 368 – almost 75% of the total – surprise you? Or answer this: how much do you think the U.S. contributes to the world’s output, its global gross domestic product? Most Americans […]

  • Behavioral Finance – Part II

    “The investor’s chief problem—and even his worst enemy—is likely to be himself.” Why is this so? This paper, part two of a series, uses the tenets of behavioral finance to examine how and why our actions often impede good financial decision making. In part one, (SAF Behavioral Finance – Part I) we introduced the topic […]

  • The S&P 500 and Emotional Pitfalls

    As part of the investment committee for our firm, I often have conversations with clients and our advisor team about all kinds of investment related topics.  We discuss proper allocation, RMD strategies, tax related matters, risk-adjusted return, the merits of diversification, comfortable rates of distribution, the psychology of investing, and the list goes on, and […]