The Cost of Poor Investment Timing

Do you know how much buying and selling your investments at the wrong time can cost you?  According to Morningstar, stock funds returned 1.6% annually from 1999-2009.  However, the typical fund investor only earned 0.22% annually.  If you had an account balance of $100,000, that would equate to costing you $15,000.  So what should investors [...]

June 13th, 2011|

The Emotional Investor

I like to keep in-mind the beginning of Rudyard Kipling’s famous poem ‘If’ as I lead investors through weeks like last week:  “If you can keep your head when all about you are losing theirs and blaming it on you, if you can trust yourself when all men doubt you, but make allowance for their [...]

May 11th, 2011|

1st Quarter Investment Review – The Dangers of Bond Investing in 2011

The 1st Quarter in 2011 saw many of the markets continue their upward momentum from 2010.  Below are the returns for some of the popular indices as of 3/31/11: Total Returns % 1Q Dow Jones Industrial Average +6.41% NASDAQ Composite +4.83% S&P 500 Index +5.42% Russell 2000 +7.64% U.S. Aggregate Bond Index -0.59% MSCI All [...]

April 4th, 2011|

How to Invest in Emerging Markets Without Investing in Emerging Market Stocks

There are many approaches to gaining exposure to an investment area of interest.  A common, often over-looked or under-utilized approach is through the backdoor.  As an example, people that want to ride the Apple computer company tidal wave could invest in the companies that supply the “guts” of Apple’s products.  Or, investors that want exposure [...]

March 2nd, 2011|

State of the Markets

This blog is part of a larger white paper we've recently published titled: Opportunities and Risks in 2011.  Click on that title to read the full version. As always, I won’t make any predictions for the coming year as the value in precise market predictions – such as what the S&P will end the year at, [...]

February 1st, 2011|

Bond Market Update

Since the second round of quantitative easing (QE 2) was announced by the Fed, US bonds as a whole (whether corporate or government) have been under pressure.  It appears that the market is finally tuning into a few facts.  The facts being that inflation is already here, rates are going to have to rise, and bonds hold [...]

January 11th, 2011|

“Buy and Hold is Still a Winner” Rebuttal

I recently came across an article in the Wall Street Journal written by Burton Malkiel titled ‘Buy and Hold’ Is Still a Winner.  If you’d like to read the article, it comes right up when you Google-it.  The title of the article caught my attention for obvious reasons - Chladek Wealth Investment Strategy: The Numbers [...]

December 2nd, 2010|

Should You Include Gold in Your Portfolio?

?Gold is making headlines as it continues to push into record territory.  Many are starting to speak about gold being overbought and in bubble territory.  I found a very interesting chart that attempts to frame an answer to the gold bubble question.  The chart below from John Rogue of WJB Capital points to the price [...]

November 3rd, 2010|

The Truth About IRA Rollovers

If you’ve experienced a job loss, switched employers, or retired recently, chances are you’ve heard from more than one financial advisor about rolling over your 401k to an IRA.  You may have even been contacted by a representative of the 401k company asking if you want to rollover the account to an IRA within that [...]

August 17th, 2010|

6 Points All Investors Should Consider

I was recently asked what points a first-time investor should consider before investing.  After giving my answer, I thought it would be helpful for my blog viewers to read my response as well.  If you are currently investing, please review the points below to ensure that your portfolio aligns with my recommendations.  I’ve listed them [...]

June 21st, 2010|