One of the most difficult decisions that people face when leaving an employer is whether or not to rollover their company pension to an IRA. It’s an especially difficult choice when you’ve worked at the same company for many years. If you choose to keep the money in your pension, the money will be distributed…
Read more
Most everyone is probably aware that interest rates today in the U.S. are at historical lows. To a large extent this is due to the quantitative easing strategy that the fed has been following since the depression of 2008. Their goal was to suppress interest rates to make borrowing easier in order to stimulate the…
Read more
Now that the year is almost behind us, let’s turn to my favorite topic, predicting the future. As usual, there were a number of events that occurred at various times during the year, the results of which (1) were completely missed by the media and (2) went totally counter to investor expectations. In case you’ve…
Read more
Now that 2016 is nearly behind us, investors’ thoughts naturally turn to 2017. What return should I expect from my investments next year? The great difficulty in answering that question is that we have limited facts to guide us. Sure, there is a plethora of historical data, as well as economists and media pundits who…
Read more
In my previous post on this topic I explained what beta is, since understanding it is integral to understanding the marketing concept known as smart beta. In this post I’ll address smart beta and whether or not it’s worth allocating your investment dollars to ETFs that utilize it. The concept is fairly simple to explain. …
Read more
I’m not a big fan of marketing terms created for the sole purpose of making products sound better than they are. And when investment or insurance companies do this for financial products it really gets me going. One term that’s getting a lot of mileage right now is “Smart Beta,” commonly applied to certain exchange…
Read more
Cognizant Wealth Advisors, LLC ("Cognizant"), dba Perigon Wealth Management, LLC (“Perigon”) is a registered investment advisor.
© 2024 - Cognizant Wealth Advisors
Recent Comments