The Risk of Chasing Returns

David points out that investors who are chasing recent returns in the bond market are actually raising the risk level in their portfolios.

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The Promise of Long-Term Investing

David discusses why long-term (7-10 years) investing is the best philosophy for overcoming mean reversion in market performance.

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The Risk in Derisking

David defines “derisking” and explains why some investors aren’t actually lowering their risk when switching from stocks to bonds.

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Derisking and Long-Term Returns

-David discusses derisking and explains why some investors may actually be adding risk to their portfolios.

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Where Do You Find Diversification?

David defines diversification and how the nature of it has changed over the last several years. He also reveals where to find it.

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Rebuilding the Three-Legged Stool

-David discusses how to build a better version of the traditional three-legged stool of retirement planning.

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Total Return Philosophy Can Pay Dividends

David talks about the importance of dividend and interest (bond) income to total return on your investment portfolio.

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“I Have Two Words for You: Allocation and Diversify.”

-David talks about the importance of proper asset allocation and diversification when constructing an investment portfolio.

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Tip Your Market Cap to the U.S.

David describes how global markets are divided into regions based on market cap, geography and economic size.

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Invest to Grow Savings, Not “Make Money”

David discusses his philosophy of treating investing as a way to grow savings, not as a vehicle for making money.

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Time In (not Timing) the Market

David discusses the difference between “time in the market” and “market timing” and why the former is infinitely more important.

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Bill Gross Punts; Gives Up Big Return

David points out the difficulty of timing/beating the market by discussing Bill Gross’s gross miscalution about the direction of U.S. Treasuries. David’s advice? Allocate and diversify for long-term success.

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