- Calculating your investment wage and the opportunity cost of your time - Personal Investment Management > Financial Planning...
Calculating your investment wage and the opportunity cost of your time - Personal Investment Management > Financial Planning and Investment Management Personal Efficiency Articles - Financial Articles, Your personal investment contribution is the total value that you add less the opportunity cost of your time. When divided by the hours you spend, you can estimate an hourly wage for your personal contribution. Obviously, the objective is to have a high investment wage. Unfortunately, for most people their wage is likely to be negative. The more time they spend, the more they lose, because they do poorly with their strategies and/or they could be doing something else of greater value with their time.
in Public bookmarks - Calculating Your Personal Investment Management Wage and the Opportunity Cost of Your Time - The Skilled Investor provides f...
Your personal investment management contribution is the total value that you add to your investment portfolio less the opportunity cost of your time. When
in Public bookmarks - Can a limited number of stocks provide complete portfolio diversification? - Personal Investment Management > Investment Ass...
Can a limited number of stocks provide complete portfolio diversification? - Personal Investment Management > Investment Asset Diversification Articles -- Reducing Your Portfolio Risk - Financial Articles, No, holding a limited number of securities does not guarantee complete portfolio diversification. An analysis by William J. Bernstein challenges the idea that a comparatively small number of securities can provide adequate diversification when compared to an investment in a much broader index.
in Public bookmarks - Can you really beat the securities markets? - Personal Investment Management > Investment Luck versus Investing Skill Articl...
Can you really beat the securities markets? - Personal Investment Management > Investment Luck versus Investing Skill Articles - Financial Articles, Despite it being such a prevalent notion that is feed by the financial media and industry, you are not likely to beat the market. If you try to beat the market, you are more likely to trail the market’s return, because of costs, taxes, and investment mistakes.
in Public bookmarks - Carnival of Personal Finance » Guidelines for Submission
in Public bookmarks - Chance creates the illusion that investors can beat the stock market - Personal Investment Management > Investment Luck vers...
Chance creates the illusion that investors can beat the stock market - Personal Investment Management > Investment Luck versus Investing Skill Articles - Financial Articles, “Market efficiency” makes it very difficult for individual investors to “beat the market.” Left to their own decisions, individual investors perform so poorly that on average their investment returns lag behind the returns that one would expect from a completely random stock selection process. The average professional trader does somewhat better than amateurs do and, in part, probably does so at the expense of the amateurs. On average, any actual performance advantage delivered by professionals is significantly less than the average fees they charge for their services.
in Public bookmarks - ClearCheckbook Personal Finance Software - Alternative to Quicken and Microsoft Money - Online Software
ClearCheckbook is free personal finance software that tracks your accounts and spending. Read this Q&A and my review of ClearCheckbook personal finance software to learn more.
in Public bookmarks - Comparing the Quicken and VeriPlan Lifetime Financial Planners
Comparing the Quicken and VeriPlan Lifetime Financial Planners The Quicken personal finances organizer application includes the Quicken Retirement Planner,
in Public bookmarks - Conclusion of the Biggest Personal Finance Story of the Past 30 Years
< <-- Go to Part 4 The Biggest Personal Finance Story of the Past 30 Years - Conclusion This article concludes our series on the greatest personal
in Public bookmarks - Cost Control and Investment Performance Improvement Articles - Personal Investment Management - Financial Articles
Cost Control and Investment Performance Improvement Articles - Personal Investment Management - Financial Articles, Through investment cost control, individuals can significantly improve their long term investment performance. The industry entices investors to pay more to achieve better returns. More frequently, however, higher investment costs will lead to lower net returns.
in Public bookmarks - Distinguishing between true investment skill and luck - Personal Investment Management > Investment Luck versus Investing Sk...
Distinguishing between true investment skill and luck - Personal Investment Management > Investment Luck versus Investing Skill Articles - Financial Articles, Repeated investment success may still be the result of luck rather than skill. Only if an investor makes specific predictions about why the prices of certain securities prices will move in a particular direction and those predictions actually come true can investment skill be demonstrated.
in Public bookmarks - Do not ignore insurable risks that could destroy your best laid financial plans - Personal Financial Planning > Financial De...
Do not ignore insurable risks that could destroy your best laid financial plans - Personal Financial Planning > Financial Decision Rules - Financial Articles, A personal financial plan is not complete without needed insurance. As you use your favorite personal finance software to develop a workable lifetime financial plan, you should also consider where you might be vulnerable to other risks that would disrupt your planning. Insurance may provide cost effective risk pooling benefits in some circumstances. However, in other situations, the net present value of insurance premiums may be too high to warrant carrying the insurance, despite the risks.
in Public bookmarks - Earned Income Drives the Personal Finances of Most People
Do-It-Yourself Financial Planning - Earned income drives the personal finances of most people The ability to project your various income sources
in Public bookmarks - Elder Care
Personal Financial Planning
in Public bookmarks - Excessive investment costs are a huge problem for individual investors - Personal Investment Management > Cost Control and I...
Excessive investment costs are a huge problem for individual investors - Personal Investment Management > Cost Control and Investment Performance Improvement Articles - Financial Articles, Concerning asset management fees charged by investment funds, the average investor pays about .3% more than necessary on money market funds, about .75% more than necessary on bond funds, and about 1% more than necessary on stock funds. Additionally, they pay sales charges, hidden transaction costs, marketing fees, and account holding fees that siphon away more of their assets and returns. The amount wasted is very substantial, because these seemingly small percentages are charged against trillions of dollars in assets. Paid year after year, excess management fees reduc...
in Public bookmarks - Factors that tend to favor Roth tax-advantaged plan contributions (Part 1 of 2) - Personal Financial Planning > Retirement P...
Factors that tend to favor Roth tax-advantaged plan contributions (Part 1 of 2) - Personal Financial Planning > Retirement Planning - Financial Articles, In a recent article, which is listed in this category and is entitled Traditional versus Roth tax advantaged plan contributions, The Skilled Investor discussed why the average taxpayer would tend to benefit more by contributing to traditional rather than to Roth tax advantaged IRA and 401k retirement plans. This follow up article, which is in two parts, discusses eight personal financial planning factors, which could flip one's preference toward making current contributions into Roth tax advantaged plans instead.
in Public bookmarks - Factors that tend to favor Roth tax-advantaged plan contributions (Part 2 or 2) - Personal Financial Planning > Retirement P...
Factors that tend to favor Roth tax-advantaged plan contributions (Part 2 or 2) - Personal Financial Planning > Retirement Planning - Financial Articles, In a recent article, which is listed in this category and is entitled Traditional versus Roth tax advantaged plan contributions, The Skilled Investor discussed why the average taxpayer would tend to benefit more by contributing to traditional rather than to Roth tax advantaged IRA and 401k retirement plans. This follow up article, which is in two parts, discusses eight personal financial planning factors, which could flip one's preference toward making current contributions into Roth tax advantaged plans instead.
in Public bookmarks - Financial Decision Rules - Personal Financial Planning - Financial Articles
Financial Decision Rules - Personal Financial Planning - Financial Articles, With this rough and tumble world that you face when you try to do reasonable personal financial and investment planning, you are much better off with a well considered viewpoint. A stable and scientifically grounded set of beliefs can keep you focused and on track throughout your life.
in Public bookmarks - Financial Planning and Investment Management Personal Efficiency Articles - Personal Investment Management - Financial Articles
Financial Planning and Investment Management Personal Efficiency Articles - Personal Investment Management - Financial Articles, When pursuing optimal investment strategies and controlling costs and taxes, you also need to establish a time efficient system to monitor, adjust, and adhere to your plan.
in Public bookmarks - Financial Planning Process
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