investment options

September 23, 2011

The bigger picture is a monumental tug of war between the huge, unresolved, real world problems our economy is facing and the self-serving "things are good" spin from the financial services industry and, until now, from our government. We are facing huge unresolved economic problems that have been building for 15+ years and that our government cannot solve- problems with jobs, housing, burdensome government regulation and mountains of consumer, corporate, and government debt that must be wrung out, and painfully, in the real world. News like today's should be taken as a reminder and a motivator to put your own financial house in order.


August 25, 2011

No one including Morningstar can reliably identify which mutual funds are likely to outperform the market, let alone match it, and so Index Funds are the best way to invest in the stock market.


July 28, 2011

The problem with the Morningstar rating system is that strong short term fund performance is meaningless since the majority of the 4-5 star funds drop to 3 stars or less within a few short years. When the ratings drop, investors are advised to invest their money in the next set of 4-5 star funds. The result is both investment underperformance and additional losses from paying the substantial commissions required by the fund switch. This cycle is extremely damaging and yet is the norm.


June 16, 2011

I see the risk level in the stock market continue to rise and now advise that it’s best not to invest in stocks heavily for the time being. For now, the allocation with the best probability of success is to invest between 0 and 20% of your money in stocks, depending on your risk tolerance.


May 13, 2011

I offer my investment advice through my money book and website to help people as they navigate their finances and become empowered to take control of their money. And my advice (time-tested and proven by my personal success and the success of those who have taken my investment advice) is free!