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Build a 50-15-5 framework for your personal finances. Create a balance between living comfortably today while preparing for a prosperous future. Develop a collaborative relationship with your financial planner.
Fed Chair Yellen’s speech at Jackson Hole, Wyoming on August 26, 2016 offers an expose on the Fed’s toolkit, past, present, and possibly future.
The difference in calendar year returns by selling in May is this: You have a 60% chance of under-performing, but in return for less volatility. Selling in May can be a significant benefit to the investor in market down-trends, but then it’s not about selling in May anymore. Investing has always depended on knowing what is the trend now, and what is its likelihood of changing in the near term.
June brings some extra dividends from funds which pay semi-annually. It’s also when investors have more difficulty understanding their account statements. A basic knowledge of dividends and how they’re reported can replace frustration with understanding.
If you have a retirement plan account such as a 401k, 403b, or 457b, then like most people you probably have several questions about managing the plan investments. In my experience, most people just don’t know where to start. There is a logical, rational, and simple approach to selecting your investments and allocating money to them.
A surprising number of investors lack a rudimentary knowledge regarding the nature of stock dividends. This knowledge gap contributes to a perpetual misunderstanding regarding security performance. Filling this knowledge gap will help foster an understanding of where dividends fit in an overall portfolio strategy.
Following a logically ordered, coherent process is key to designing a sensible portfolio allocation. In part-2 of this series, we turn our attention to designing the stock portion of a retirement plan, including a benchmark-neutral portfolio and an enhanced performance alternative.
