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”.Β  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 […]

Passports: Invest your IRA in foreign stocks and bonds

Why now is the time to invest over 50% of your IRA in foreign stocks and US bonds

Posted 1 CommentPosted in Investing, Retirement

After several years of rising US stock prices, I am often asked when the next crash, or at least next big correction, is coming.Β  I believe it is foolish to try and time the market, but I do believe it makes sense to sell out of expensive assets and buy into better value assets (buy […]

Vanguard Stock Mutual Funds PB vs ROE ratios March 2018

Top Vanguard Mutual Funds for Enhanced Asset Allocation

Posted Leave a commentPosted in Investing

Vanguard is synonymous with low-cost, passive investing.Β  Here I present some charts showing some metrics that can be used to enhance an asset allocation of the top Vanguard mutual funds even among these broadly diversified, passive funds. Despite my disagreements with him, Jack Bogle remains one of the foundational figures of today’s investing world I […]

Asset Allocation Returns: Conservative, Moderate, and Aggressive, 2007-2017

Posted Leave a commentPosted in Investing

Asset allocation is and should be one of the first decisions made in planning an overall investment portfolio.Β  Some investors do their asset allocation accidentally, by only investing in one or two asset classes they know or are sold, or as the result of buying different individual investments one by one with no overall plan.Β  […]

A Simple, Robust Retirement Savings and Investment Plan: The "4 House Pension"

Posted 2 CommentsPosted in Personal finance

When asked how much money is needed for a comfortable retirement, the simplest useful but general answer I have been using is to “own four houses”. Taken literally, the “4 House Pension” can be implemented by actually owning four houses: one to live in, and the other three to generate rental income to pay for […]