- The Biggest Personal Finance Story of the Past 30 Years - Part 3
< <-- Go to Part 2 The Biggest Personal Finance Story of the Past 30 Years - Part 3 There is no reason to believe that industry self-regulation or
in Public bookmarks - The Biggest Personal Finance Story of the Past 30 Years (Part 2) - Financial Advisors, Investment Counselors, and the Financ...
The Biggest Personal Finance Story of the Past 30 Years (Part 2) - Financial Advisors, Investment Counselors, and the Financial Industry > Are Your Best Interests the Same as the Financial Services Industry? - Financial Articles, The Financial sector has grown to be almost twice the value of the Energy sector in S&P500 market capitalization. Nevertheless, we have not heard a widespread media clamor about escalating financial services costs and profits. Instead, all we hear about are financial scandals related to greed, fraud, and scams. Things will not be okay after a few tweaks to the regulatory system and a few perp walks. Individuals have in the past and apparently will in the future continue to pay exorbitant banking, credit card, insurance, and secu...
in Public bookmarks - The Biggest Personal Finance Story of the Past 30 Years (Part 3) - Financial Advisors, Investment Counselors, and the Financ...
The Biggest Personal Finance Story of the Past 30 Years (Part 3) - Financial Advisors, Investment Counselors, and the Financial Industry > Are Your Best Interests the Same as the Financial Services Industry? - Financial Articles, There is no reason to believe that industry self regulation or governmental regulation will ever fix these problems. Only those individuals who become wise enough to be proactive and seek out lower cost financial products will stop getting fleeced. The vast majority or individuals will just keep on paying excessive costs to the financial industry, while they receive inadequate value in return.
in Public bookmarks - The Biggest Personal Finance Story of the Past 30 Years (Part 4) - Financial Advisors, Investment Counselors, and the Financ...
The Biggest Personal Finance Story of the Past 30 Years (Part 4) - Financial Advisors, Investment Counselors, and the Financial Industry > Are Your Best Interests the Same as the Financial Services Industry? - Financial Articles, What does it mean to individual investors that the financial services industry is now about 21% of S&P 500 market capitalization The answer is relatively simple. The securities markets tell you that financial stocks are highly profitable and have earnings that are expected to continue to do so in the future. The markets are telling you that it is unlikely that any business or regulatory factors will intervene to reduce financial services company revenue growth and/or to shrink their profit margins.
in Public bookmarks - The Birth of Yet Another Darn Asset Class -- Infrastructure (Part 1 of 2) - Personal Investment Management > Asset Allocatio...
The Birth of Yet Another Darn Asset Class -- Infrastructure (Part 1 of 2) - Personal Investment Management > Asset Allocation and Personal Investment Risk Tolerance Articles - Financial Articles, The Skilled Investor has come across yet another new asset class undergoing the security industry's birthing process. This new asset class is global Infrastructure. Generally, the definition of infrastructure is the publicly traded equity and debt securities of utilities, airports, ports, roads, hospitals, etc.The Skilled Investor is skeptical about this new global Infrastructure asset class. This skepticism is not rooted in whether investors should own equity or fixed income positions in global infrastructure. The question is why should these securities b...
in Public bookmarks - The Birth of Yet Another Darn Asset Class -- Infrastructure (Part 2 of 2) - Personal Investment Management > Asset Allocatio...
The Birth of Yet Another Darn Asset Class -- Infrastructure (Part 2 of 2) - Personal Investment Management > Asset Allocation and Personal Investment Risk Tolerance Articles - Financial Articles, Have Macquarie Bank and State Street Global Advisors discovered a rich new vein of investment gold to mine for years Will individual investors get any of it Is this another goldmine for individual investors or is this another selective reading of market history for naive performance chasing individual investors Frankly, The Skilled Investor thinks that this just another case study of how the securities industry manufactures new products and new broker / investment advisor demand. In turn, these new asset classes are used as bait to capture the assets of indiv...
in Public bookmarks - The heavy burden of recurring investment fees (Part 1 of 2) - Personal Investment Management > Cost Control and Investment P...
The heavy burden of recurring investment fees (Part 1 of 2) - Personal Investment Management > Cost Control and Investment Performance Improvement Articles - Financial Articles, Recurring fees, such as asset management fees, 12b 1 marketing fees, and advisory/asset custody fees are charged periodically, as a percent of your investment assets. Recurring investment costs can significantly impact the long term value of your retained investment portfolio assets.
in Public bookmarks - The illusion of superior professional investment manager performance - Personal Investment Management > Investment Luck vers...
The illusion of superior professional investment manager performance - Personal Investment Management > Investment Luck versus Investing Skill Articles - Financial Articles, If money managers were truly skilled at beating the market, then one would expect their excess performance prowess to persist over time. Unfortunately, the evidence indicates that superior past professional performance tends not to persist and is not a predictor of future performance.
in Public bookmarks - The Most Important Determinants of Your Lifetime Wealth
Your personal earnings, expenditures, and savings are the most important determinants of your family’s long-term financial wealth Summary: How much you
in Public bookmarks by 2 users - The Most Important Determinants of Your Lifetime Wealth
Your personal earnings, expenditures, and savings are the most important determinants of your family’s long-term financial wealth Summary: How much you
in Public bookmarks by 2 users - The Problem -- Straight answers about personal financial and investment planning are difficult to find - Personal Financial ...
The Problem -- Straight answers about personal financial and investment planning are difficult to find - Personal Financial Planning > Financial Decision Rules - Financial Articles, In this article, The Skilled Investor summarizes some of the significant problems faced by ordinary individuals, when they attempt to plan their family finances. This is the first in a series of articles that will provide scientifically grounded decision rules that address these problems.
in Public bookmarks - The value and opportunity cost of your investment time - Personal Investment Management > Financial Planning and Investment ...
The value and opportunity cost of your investment time - Personal Investment Management > Financial Planning and Investment Management Personal Efficiency Articles - Financial Articles, Your time is valuable and should be included in calculations about your investment returns. Whether you add or subtract value from your assets when you spend time on investment activities should also be evaluated. Some investors spend significant time on the wrong strategies. Instead of adding value, their efforts reduce degrade their financial welfare.
in Public bookmarks - Traditional versus Roth tax-advantaged plan contributions - Personal Financial Planning > Retirement Planning - Financial Ar...
Traditional versus Roth tax-advantaged plan contributions - Personal Financial Planning > Retirement Planning - Financial Articles, Many taxpayers puzzle over whether to contribute to traditional versus Roth tax advantaged retirement plans. For most people, contributions to traditional tax advantaged plans will probably provide a higher net present value over their lifetimes.
in Public bookmarks - U.S. state personal income tax rates - Personal Financial Planning > Retirement Planning - Financial Articles
U.S. state personal income tax rates - Personal Financial Planning > Retirement Planning - Financial Articles, The Skilled Investor has made available for downloading a spreadsheet that contains graduated personal income tax rates and other personal income tax rate information for the 50 states and the District of Columbia.
in Public bookmarks - Understand Your Lifetime Personal Savings Requirements
VeriPlan helps you to understand your lifetime personal savings requirements and whether your current savings rate is sufficient How much you earn, spend,
in Public bookmarks - Understanding one-time investment fees, such as sales loads - Personal Investment Management > Cost Control and Investment P...
Understanding one-time investment fees, such as sales loads - Personal Investment Management > Cost Control and Investment Performance Improvement Articles - Financial Articles, Sales load charges and commissions on investment purchases differ from the financial service industry's numerous other recurring methods of charging fees to their retail consumers. Sales loads are less straightforward to analyze for investment lifetime cost effectiveness, compared to annually recurring charges.Unlike recurring charges against current assets, front end sales loads represent assets that did not get into your investment portfolio in the first place. They disappear before the process of calculating future investment returns and asset values can even begin. Therefore,...
in Public bookmarks - Using Google Scholar to find scientific finance articles - Personal Investment Management > Scientific Investment Best Pract...
Using Google Scholar to find scientific finance articles - Personal Investment Management > Scientific Investment Best Practices Articles - Financial Articles, If you want to do some scientific finance research yourself, try using Google Scholar. Be prepared for a lot of the material you find to be esoteric. Nevertheless, Google Scholar is littered with diamonds that can improve your understanding of personal finance and save you money.
in Public bookmarks - What common stock returns might individual investors expect going forward? - Personal Investment Management > Investment Ret...
What common stock returns might individual investors expect going forward? - Personal Investment Management > Investment Returns and Securities Market Risk Premiums Articles - Financial Articles, Obviously, no one really knows or can know what common stock returns will be going forward. Using rationally based estimates of the forward looking equity premium, investors should probably not expect anything like a repetition of equity market returns during the 1980s and 1990s. Performance in those decade was simply exceptional and not the norm.
in Public bookmarks by 2 users - What common stock returns might individual investors expect going forward? - Personal Investment Management > Investment Ret...
What common stock returns might individual investors expect going forward? - Personal Investment Management > Investment Returns and Securities Market Risk Premiums Articles - Financial Articles, Obviously, no one really knows or can know what common stock returns will be going forward. Using rationally based estimates of the forward looking equity premium, investors should probably not expect anything like a repetition of equity market returns during the 1980s and 1990s. Performance in those decade was simply exceptional and not the norm.
in Public bookmarks by 2 users - What else should you read about investing? - Personal Investment Management > Scientific Investment Best Practices Articles ...
What else should you read about investing? - Personal Investment Management > Scientific Investment Best Practices Articles - Financial Articles, In addition to reading The Skilled Investor, there is a book that is also well worth reading. “Capital Ideas The Improbable Origins of Modern Wall Street” by Peter L. Bernstein does an excellent job of tracing the history of how scientifically based ideas have changed the securities markets.
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