Category: Investment Strategy and Investment Security Due Diligence
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The Principles and Benefits of Evidence-Based Investing
An excerpt from Ron’s forthcoming book, Mastering the Scienceand Art of Investing: Multi-Factor Strategies for Portfolios Both Prior to and During Retirement
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A Strong First Quarter of 2024 For U.S. Stocks: A Look at Future Long-Term Returns
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Looking at U.S. Stock Returns After Adjusting for Inflation
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Fiduciary Papers #16: The Annuitization Decision and the Need for Conflict-Free Advice
In recent years a major development has occurred with respect to annuities … more and more insurance companies are offering annuity products with no commissions. These products can deliver more of the returns of the capital markets to the consumer. If offered to plan participants, such products could greatly enhance a retiree’s financial security and…
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Fiduciary Papers #15: The Prudent Investor Rule, 401k Accounts, and Tax-Efficient Investing
In the 401(k) world there has for many years been the option for plan participants to contribute to Roth 401(k) accounts, rather than traditional 401(k) account. For contributions to Roth accounts, no income tax deduction is provided, but (subject to certain requirements) the Roth account permits income-tax-free distributions after age 59-1/2 years. 401(k) accounts, and…
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A Rough Quarter-to-Date for Equities Brings Forth Higher Expected Returns
(As of Nov. 6, 2023) October 2023 was a rough month for investment returns, with asset class returns in these ranges (as implemented via Dimensional Funds Advisors’ mutual funds and ETFs): U.S. Large Company stocks: – 1.6% to -4.2%, approximately U.S. Small Company stocks: – 4.8% to -6.5%, approximately Foreign Developed Markets Small…