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My First ‘Investment Advisor’

After re-watching Frontline’s The Retirement Gamble this week and having the privilege to hear Larry Swedroe speak at a function Dopkins Wealth Management hosted a couple weeks ago, I have been thinking a lot about my role as an investment advisor and how I arrived at this point in my career. The very first person…

Time (and the facts) are on your side

Perhaps you are familiar with the old adage, “even a broken watch is right twice a day”. I like this saying because it is both funny and factual. This expression is also analogous to the active investment approach. Active investors believe they can outperform the market by capitalizing on information and that they can see…

Lessons from Lehman

We have reached the five year anniversary of the collapse of Lehman Bros. and the subsequent collapse of the stock markets. It was an extremely scary time to be an investor. Liquidity had tried up, money market funds were “breaking the buck”, Congress and the White House disagreed on solutions and the markets were in…

Steroids in Baseball and Investing

The sport of baseball continues to punish the use of performance enhancing products. If you are like me, you may be wondering how gifted and talented athletes would risk their health and career for more. When you look at the players accused and suspended, most were already great hitters who wanted that extra edge to…

Looking Beyond the Dow

How did the market do today? When investors talk about “the market,” they usually mean the Dow Jones Industrial Average. A well-educated investor recognizes that the Dow is a market, but it is not the market. What is the Dow? The Dow is an index composed of 30 U.S. stocks chosen to indicate how the…

Understanding Interest Rate Movement

Investors have been living with low interest rates from late 2008 through current times. Interest rates have been so low for so long that the recent upswing in rates caught many investors by surprise. From the beginning of the year through June 20, the 10-year Treasury rate went up by 0.67 percent from 1.75 percent…

Giving Your Child an Allowance?

When I was a kid, I earned my first allowance of $2 per month by doing assigned weekly chores.  I was 8 years old and my chores included: making my bed, emptying my garbage can, dusting and vacuuming my room.  My Dad would have surprise ‘military’ inspections, for which we were given plenty of notice,…

Are Investors’ Best Interests Being Served?

Recently, PBS aired a Frontline documentary titled “The Retirement Gamble which aimed to uncover the issues facing the retirement savings of working Americans. Key among the issues discussed are the impact that fees have on one’s ability to save and whether the investment industry does or should be putting the best interests of its clients…

Keys to Successful Investing? Education and Discipline

Overview: If the majority of investors understood the true benefits of a buy-and-hold strategy, some of the thousands of trades placed each day would likely not be made. Likewise, some of the products that thrive on being complex would see a not-surprising decline in popularity — if investors knew about their many disadvantages. The following…

The Triple Crown of Investing

The first Saturday in May begins the quest for the Triple Crown in horseracing- The Kentucky Derby, Preakness and Belmont Stakes. Very few horses have won the Triple Crown and none since 1978. And although this weekend’s running of the Belmont holds no opportunity for a Triple Crown winner this year, there is another Triple…

How to increase your Bond Yield

What are investors to do with such low interest rates being offered on today’s fixed income securities? One of the popular “yield-grabbing” techniques we see entails extending a security’s maturity length (the longer the time till maturity, the higher the yield). For example, a 5 year Treasury bond is currently offering a yield around 0.74%….

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