Earlier this year I wrote about a Bankrate.com article recommending South Dakota as the best place to retire (https://www.cognizantwealth.com/2014/05/15/should-you-retire-to-south-dakota/). I remarked that since we are all different, it would be more helpful to create a database of factors and leave it to us to decide for ourselves. The people at Reuters must have read my…
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Philosophically most investors fall into one of two camps when it comes to selecting mutual funds. Some prefer actively managed funds while others have a preference for those that are passively managed. What’s the difference? According to Investopedia, active managers rely on analytical research, forecasts, and their own judgment and experience in making investment decisions…
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Among the numerous economic and financial indicators that investment advisors utilize in an attempt to predict future stock market performance there is a pretty broad consensus that company profit margins (or earnings per share) are one of the better predictors. The challenge, of course, is the difficulty of predicting future profit margins. Currently for the…
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The New York Times recently reported on research at USC suggesting that when under stress, men take more risks than women by focusing on bigger wins, even when they are costly and less likely. One experiment involved giving points for inflating digital balloons on a computer. The trick was to pump them enough to maximum…
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This is a companion blog to the one I wrote previously on using dollar cost averaging (DCA) as a way to slowly buy into the market to avoid the risk of investing a large amount of cash at a market peak. That approach works when you are in the accumulation phase of your life (the…
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Have you ever been in a situation where you found yourself with a large amount of cash to invest? Perhaps it was from an inheritance, or from a bonus at work. Or maybe you actually won a lottery! In any case, how did you go about investing the money? Did you identify some number of…
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