Patelco $50 referral code US banking services

US Banking Services from Patelco – $50 Referral Code

Posted Leave a commentPosted in Personal finance

As an investment advisor focused on educational content, I rarely post direct offers on my website, but this week, I got a referral code for referring friends to open an account with Patelco credit union, for which we would each receive a US$50 referral credit. I have had my Patelco account for over 20 years, […]

Top S&P 500 ETFs

Top S&P 500 ETFs as of 2019 Q2

Posted Leave a commentPosted in Investing, Lists

I have long argued that the S&P 500 is an overrated, overused stock market index benchmark, while also admitting it is still one of the best constructed and balanced benchmarks globally.  By comparison, the flagship benchmarks of Hong Kong, Canada, Australia, Singapore, and other countries tend to be far more lopsided with industry concentrations in […]

How different investments have performed during recessions

How different investments have performed during recessions

Posted Leave a commentPosted in data, Economics, Investing

While I am often asked “is now a good time to invest?” in both booming and declining economic times, I have recently been asked more and more about whether the economy is due for its first global recession since 2008-2009, and how to invest in preparation for the next recession.  I recently wrote a short […]

Top IRA Mistakes

19 Top IRA Mistakes as of 2019

Posted Leave a commentPosted in Retirement

The US Individual Retirement Arrangement / account (IRA) is one of the world’s simplest, cheapest, most flexible, world-class tax shelters in which to save and invest for retirement. While the individual IRA contribution limits for 2019 have been raised to US$6,000 ($7,000 if you’re age 50 or older), some higher earners find these limits relatively […]

How to beat the market: 3 factors of recent outperformance

How to beat the Market: 3 Factors of Recent Outperformers

Posted Leave a commentPosted in Investing

Perhaps second to the absolute question of how to make money in the markets, I am next most often asked if and how it is possible to “beat the market”.  When asking “how to beat the market”, one also needs to answer two parts of that question: “what do you mean by ‘the market’?”, and […]