It’s better to save when you’re younger. I think most of us know that. The problem is that being younger is the time when it’s hardest to save. One’s younger years are the time when pretty much everyone has a … Read More … Read More
I was a little hard on people who have a low investment risk tolerance. But that’s not because I’m a mean person. I have very good reasons. I get that the idea generally is that we want to protect against … Read More … Read More
When investing, whether for retirement or for any longer term goals, there is often a discussion of “risk tolerance”. Risk tolerance in this context means how much variability in the investment return process that an investor is willing to withstand. … Read More … Read More
At the beginning of the year, the news reports started piling in: the stock markets were overvalued. P/E ratios were at highs not seen in years. Some people even used the curious phrase “melt-up” (which, correct me if I’m wrong, … Read More … Read More
One of the more famous—and certainly eerily relevant—quotes about financial self-awareness is from Warren Buffett, the “Oracle of Omaha”. The quote generally is rendered as: “Be greedy when others are fearful and fearful when others are greedy.” It’s a great … Read More … Read More
If there’s one thing I hear from so many people, it’s that they wish they started something years ago. Often it’s saving for retirement. “I just think of all those years I could have been saving, and I wasn’t doing … Read More … Read More
The conventional wisdom when it comes to investing for retirement, is that you to start out with more risky/lucrative investments when you’re young and can afford to take more risks, and then over time move into more conservative prospects, towards … Read More … Read More
Save 15% for retirement. You’ve heard it all before. And now you know how you determine how to determine which investment vehicles comprise that 15%. But with so many different options and scenarios, it’s easy to get lost. So here … Read More … Read More
I believe that the optimal target when saving for retirement is to put away 15% of your income. Potentially more, but certainly not less. Here’s why. Getting to the point where you’re ready to put down 15% is hard. You … Read More … Read More
I’ve often said that my one big stock tip is don’t invest in stocks. There’s too much volatility, too much risk, and not enough gain. We often say that if we had only invested in Apple in 1995, or Amazon … Read More … Read More
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