When the “stock market” gets scary, folks flee to the “safety” of fixed income. But is there any real safety there? Or does switching to fixed income = fixed losses? Fixed Income Isn’t Safe The most common reason people don’t invest in equities is because they are “risky.” You could lose your money. So they…
The annualized total return of the S&P 500 for the decade ending 2023 was 12.2%. From January 2014 through December 2023, if you reinvested dividends and paid no fees or taxes, your total return over that time would have been 216% (turning $100 invested into $316). That is an annualized total return (with dividends reinvested)…
Investments (Still) Outperform Investors In 2001, I broke the news to many of you in the very first episode of this podcast that the average equity investor performs worse than the investments the investors invest in. It will shock none of you that investments still outperform investors. Episode 1: Investor Vs. Investment Return The first…
New Book: 3D Financial Planning I have a New Book coming out this year called 3D Financial Planning, Organize, Prioritize, and Maximize Your Money and Your Life. It’s going to focus on a younger audience, cover a wide range of topics, begin with the end in mind, and provide inspirational and behavioral education and encouragement…
Listen to this week’s episode, a redux of Episode 37: Timin’ the Market. “The only function of economic forecasting is to make astrology look respectable.” ~John Kenneth Galbraith, Harvard economist When the market is moving, people begin to wonder whether they should try and time its cycles. Let’s look at timing the market, specifically:
Listen to this week’s episode, a redux of Episode 21: The Trouble with Target Date Funds. “Be sure you positively identify your target before you pull the trigger.” ~Tom Flynn Insert Tex Target Date Funds are the default options for many investors in their 401(k)s. Not because they are great options, but because they cover…
Do-it-yourself (DIY) projects have become more than just a weekend hobby; they’ve evolved into a lifestyle choice for many individuals seeking financial independence and personal satisfaction. Today we will learn when you should DIY your finances. We will also dive into the significant financial benefits that come with DIY finances. You should DIY when: You…
What if the Experts disagree? I’ve got a number of questions lately from different clients and other people I’ve met about, hey, what about this, or this or this person says the opposite of what you’re saying, or I heard on the news, this, or I read this book that claim that and it’s different…
Cyrus asks, “Can you beat the S&P 500?” Specifically, he references how Dave Ramsey has said on his show that it is “easy to find funds that outperform the S&P 500.” Is this true? And if it is so easy, why doesn’t everyone do it? I did provide an answer to this three years ago…
Trent asked me recently, “Why is my investment performance worse than the S&P 500?” Specifically, he had heard that the S&P 500 returned 25%+ in 2024. His annual performance in his 401(k) was 18%. Why the discrepancy? (Remember that you can submit your questions to the show by emailing us at Questions@RetireMentorship.com or by visiting…
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