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Financial Independence Early Retirement - FIRE - A personal finance blog, free money collection, retirement planning, budget, FIRE Finance, FIREFinance, retirement, financial independence, taxes, bank bonuses, frugal living, investing, financial tools, saving, adsense, affiliate program, financial theories and concepts, debt-free life
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Personal finance commentary, news, resources, tips, and tricks.
in Public bookmarks - For individual investors, risk-free investment money is fantasy money - Personal Financial Planning > Financial Decision Rul...
For individual investors, risk-free investment money is fantasy money - Personal Financial Planning > Financial Decision Rules - Financial Articles, Investments with low risk and high returns are just fantasies. No risk free investment money is consistently and reliably available to individuals. Luck dominates skill in the securities markets. Clever investment selection is vastly over hyped, and only the promoters tend to benefit. On average over long periods, investors get paid risk premiums, because they put their money at risk. If they control their costs, they get to keep most of these risk premiums.
in Public bookmarks - Hear ye, Hear Ye, individual investors: Be wary of new investment asset classes - Personal Investment Management > Asset All...
Hear ye, Hear Ye, individual investors: Be wary of new investment asset classes - Personal Investment Management > Asset Allocation and Personal Investment Risk Tolerance Articles - Financial Articles, Many promoters in the financial services industry have shown a strong proclivity in recent years to invent and to market supposedly new investment asset classes. Industry advocates will claim that these new asset classes deserve some minimum percentage allocation within your investment portfolio. These supposed new asset classes have included commodity futures, managed futures, precious metals, the 57+ varieties of hedge funds, and other asset class inventions.
in Public bookmarks by 2 users - Hear ye, Hear Ye, individual investors: Be wary of new investment asset classes - Personal Investment Management > Asset All...
Hear ye, Hear Ye, individual investors: Be wary of new investment asset classes - Personal Investment Management > Asset Allocation and Personal Investment Risk Tolerance Articles - Financial Articles, Many promoters in the financial services industry have shown a strong proclivity in recent years to invent and to market supposedly new investment asset classes. Industry advocates will claim that these new asset classes deserve some minimum percentage allocation within your investment portfolio. These supposed new asset classes have included commodity futures, managed futures, precious metals, the 57+ varieties of hedge funds, and other asset class inventions.
in Public bookmarks by 2 users - How are asset class risk premiums and the risk free rate of return related? - Personal Investment Management > Investment Re...
How are asset class risk premiums and the risk free rate of return related? - Personal Investment Management > Investment Returns and Securities Market Risk Premiums Articles - Financial Articles, Risk premiums are estimated relative to a baseline “risk free” rate of return. The risk free rate of return in the scientific investment literature has been measured by either short term U.S. T bills or by long term U.S. T bonds.
in Public bookmarks - How can individual investors trust, when so much investment information is rubbish? - Personal Investment Management > Scien...
How can individual investors trust, when so much investment information is rubbish? - Personal Investment Management > Scientific Investment Best Practices Articles - Financial Articles, Investing evokes a very wide variety of thoughts, emotions, and motivations. Conversations, the media, and popular literature contain significant unverified, biased, false, and sometimes simply ridiculous investment information. When such information is superficially plausible, it seems especially easy for erroneous beliefs to perpetuate and become part of widespread investment folklore. The Skilled Investor dubs such supposed investment information as “rubbish.”
in Public bookmarks - How do changes in common stock price volatility affect portfolio diversification? - Personal Investment Management > Investm...
How do changes in common stock price volatility affect portfolio diversification? - Personal Investment Management > Investment Asset Diversification Articles -- Reducing Your Portfolio Risk - Financial Articles, Company level price risk has risen significantly in recent years, and price movement correlations between individual stocks have declined. This means investors must hold significantly more stocks to achieve diversification. Furthermore, volatility tends to jump well above average at the bottom of market cycles. Investors should understand these peaks in volatility and not just focus on the average volatility across market cycles.
in Public bookmarks - How does the size of the common stock risk premium affect portfolio diversification? - Personal Investment Management > Inve...
How does the size of the common stock risk premium affect portfolio diversification? - Personal Investment Management > Investment Asset Diversification Articles -- Reducing Your Portfolio Risk - Financial Articles, Diversification depends upon the expected equity premium and the correlation of price movements between individual stocks in the market. Depending on the size of the equity risk premium, non diversified individual investors could unwittingly give up their entire expected equity premium. This is an extraordinarily unproductive risk to take.
in Public bookmarks - How investment securities are valued -- snapshots in time - Personal Investment Management > How Stock and Bond Markets Valu...
How investment securities are valued -- snapshots in time - Personal Investment Management > How Stock and Bond Markets Value Investment Securities - Financial Articles, Every securities market transaction requires a buyer and seller with differing viewpoints. Differences between investors in their assessments of the intrinsic value and risk of securities allow markets to operate.
in Public bookmarks - How many mutual funds are needed for a well-diversified portfolio? - Commentary - Personal Investment Management > Investmen...
How many mutual funds are needed for a well-diversified portfolio? - Commentary - Personal Investment Management > Investment Asset Diversification Articles -- Reducing Your Portfolio Risk - Financial Articles, Additional mutual funds in a portfolio improve diversification slightly, when looked at year to year. However, if the terminal value of a portfolio after multi year investment holding periods is considered, then very substantial reductions in risk or volatility can be achieved by holding multiple mutual funds.
in Public bookmarks - How many mutual funds are needed for a well-diversified portfolio? - evidence - Personal Investment Management > Investment ...
How many mutual funds are needed for a well-diversified portfolio? - evidence - Personal Investment Management > Investment Asset Diversification Articles -- Reducing Your Portfolio Risk - Financial Articles, Mutual funds are not created equally. Particularly with actively managed mutual funds, performance can vary significantly – even when those funds are pursuing similar strategies or “styles.” Holding multiple funds will reduce the volatility or risk of your portfolio.
in Public bookmarks - How much do hidden mutual fund trading expenses cost you? - Personal Investment Management > Cost Control and Investment Per...
How much do hidden mutual fund trading expenses cost you? - Personal Investment Management > Cost Control and Investment Performance Improvement Articles - Financial Articles, The average mutual fund paid .27% of net assets in hidden commissions in 2001. When measured on a capitalization weighted basis, the average hidden commission cost was .19% of net assets. The effective trading costs related to the bid/ask spread and the temporary shifting of these spreads added .36% more annually in the hidden costs of the average fund. For funds with the highest turnover, hidden commission and bid/ask spread expenses exceeded 3% of assets annually.
in Public bookmarks - How stable have common stock market returns been over time? - Personal Investment Management > Investment Returns and Securi...
How stable have common stock market returns been over time? - Personal Investment Management > Investment Returns and Securities Market Risk Premiums Articles - Financial Articles, The short term common stock equity premium, which averaged about 4.1% from 1872 to 2000, has varied widely in the past. Measured by decades over the past 130 years, it was over 10% in four decades, between 0% and 5% in seven decades and negative in two decades.
in Public bookmarks - How Stock and Bond Markets Value Investment Securities - Personal Investment Management - Financial Articles
How Stock and Bond Markets Value Investment Securities - Personal Investment Management - Financial Articles, Securities market prices provide a forward looking consensus on the value of traded securities. As such, they provide the best available estimate of risk adjusted fair market value.
in Public bookmarks - If Personal Finance is Difficult - Carefully Hire a Good Advisor
If personal finance is difficult for you, carefully hire a good financial and investment adviser A previous financial article, “The Solution - ONLY follow
in Public bookmarks - If personal finance is difficult for you carefully hire a good financial and investment advisor - Personal Financial Plannin...
If personal finance is difficult for you carefully hire a good financial and investment advisor - Personal Financial Planning > Financial Decision Rules - Financial Articles, If you realize that you need help with your personal financial planning, get a good financial advisor. However, be very, very careful with your financial advisor selection process. A good financial advisor could make things much better. A poor one could make things much worse.
in Public bookmarks - Introduction to investment valuation and securities risk - Personal Investment Management > How Stock and Bond Markets Value...
Introduction to investment valuation and securities risk - Personal Investment Management > How Stock and Bond Markets Value Investment Securities - Financial Articles, The securities markets provide an evolving consensus of the risk adjusted value of particular securities. By understanding how the markets value securities, individual investors can chose more durable investment strategies.
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