Retirement-Specific Risks, and Considerations for Mitigation For those approaching or already in retirement, “risk” is complicated. Risk usually means market risk or volatility, the fact that the stock market goes up and down. This is especially true for the […]
Tax Rate Arbitrage- Roth or no Roth? Tax rate arbitrage is how you can mitigate a deal you made with the government. You put your silent partner in charge of your pre-tax retirement accounts (IRAs and 401k retirement plans). As […]
Do I need more Large Cap Value? Do I need more Large Cap Value? The other day I asked myself if I needed more large cap value. I have just updated my statement of net worth and asset allocation. My […]
Deep dive into Asset Location Optimization and Tax-Efficient Fund Placement. This is Asset Allocation in Multiple Accounts!
Selling Winning Stocks: Tax Strategies What are some strategies for selling your winning stocks? Say you bought Apple or Tesla a couple years ago, and now it is 20% (or more!) of your portfolio. What should you do? What a […]
UTMA for Children from Grandparents I opened a UTMA for my first grader. Then, two days later, I opened two more for my younger twins. A Uniform Transfer Minors Act (UTMA) is the best place to put money from […]
Behavioral Finance and Behavioral Investing Behavioral finance studies how to systematically take advantage of errors caused by human thinking and emotion. Behavioral investing, on the other hand, aims to cash in on the irrational investor. How is behavioral finance different […]
Investing is as “Simple as That” Investing is as “simple as that.” That is: Buy stocks when you have the money The investing road is worth traveling Make the Next Decade the best of your life Buy stocks […]
Debt Increases Risk and is Like a “Negative Bond” A Mortgage is a negative bond! Leverage increases Risk! Jonathan Clements describes debt like a “negative bond.” He suggests if you have $100,000 in bonds and $100,000 in debt, your net […]
