Where’s the Value in Value Investing?

Excellent question, especially in light of the last 20 years in the US. The basis of a long-term investing plan is to buy today diversified assets at low prices that offer cash flows and that have the possibility of appreciation over time. Alternatively, an investor could buy headline grabbing high priced assets that do not…

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Why Do Young People Hear So Much About Roth IRAs?

Roth IRAs. If you’re a Millennial or Gen Z, chances are this is the financial account you’ve heard the most about in your life. But why is this? Are they really as beneficial as people make them out to be? Read on to find out! What is a Roth IRA? Let’s start with the basics.…

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Why Holding Period Matters

“Holding period” – a critical concept to understand in the world of investing. It’s a major factor influencing the returns you hear about from your friend, CNBC, prominent investment firms, and all other investors. What exactly is a “holding period”?  Put simply, a holding period is the length of time an investor holds a particular asset…

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No Unfinished Business

Pilots follow a routine checklist before take-off or landing. The checklist helps ensure that the vital systems are in working order and to verify that there is no unfinished business that needs attention.  Every person is the pilot of their own financial affairs. As a gift to our family, we should have our financial affairs…

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Investing Performance: Peaks and Valleys

“Investments can be a source of pain or pleasure, as well as the subject of books or media narratives with heroes and villains. A feature in these narratives turns on the performance record produced by an investor or an asset class. As interesting as the stories are, what framework can we use to think about…

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4 Myths About Financial Advisors and Investing Debunked

Properly managing your money is one of the most important things to prioritize. Money isn’t everything, but it can be a catalyst for what you care about most: retirement, career advancement, lifestyle goals, and more. Because money management is so critical for our well-being, many people seek help from financial advisors. A great financial advisor…

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Silicon Valley Bank 🏦

While spring approaches, markets have grown turbulent on news of potential problems in the banking sector after the rapid closure of Silicon Valley Bank. Nearly every year, the FIDC puts a few banks into receivership. As a result of the Global Financial Crisis (2008-2009), 157 banks failed by 2011. The total assets affected during that…

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Millennial Money

Millennials. Those born between 1981 and 1996; ranging in age from 26-41 years old. VHS, Windows ‘98 startup sound, Blockbuster Friday nights, those never-ending strawberry candies at your grandmother’s house, watching “The Price Is Right” when you were “sick” at home from school, Nintendo 64 – the list goes on and on. Bring up nostalgia? …

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