Category Archive

IBM did research a few years ago proclaiming that 90% of the world’s data is being created every two years. That is an amazing statistic. More data has been created since October 2017 than all the prior years combined? More data will be created in the next two years than all prior years? Read All

The theory is simple enough: The more risk you are willing to assume, the higher the expected potential return. The challenges, though, are selecting an asset allocation that will provide the returns you require to meet your long-term financial goals and sticking to the allocation through up and down markets. Read All

The first decade of the 21st century, and the second one that's drawing to a close, have reinforced for investors some timeless market lessons: Returns can vary sharply from one period to another. Holding a broadly diversified portfolio can help smooth out the swings. Read All

We typically keep these newsletters light on technical details, but given the abundant news on yield curves we thought diving into this would help quell fears. The yield curve graph below shows the relationship between bond yields and bond maturity. Typically, investors require higher interest rates for longer maturity bonds. Back when we all visited physical banks 😊, we walked by the posted Certificate of Deposit (CD) rates. You might remember the longer-term CDs had higher rates. This makes sense. Investors want higher rates if the bank is going to hold their money for longer period of time. Read All

The theory is simple enough: The more risk you are willing to assume, the higher the expected potential return. The challenges, though, are selecting an asset allocation that will provide the returns you require to meet your long-term financial goals and sticking to the allocation through up and down markets. Read All