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Welcome to the 'No-Guilt' blog!
People come to here because they want to build financial confidence and take meaningful action. We provide the context for those things that affect your financial health. Our goal is to help you live in the 'No-Guilt Zone'.

Diversification Is More Than Just Stocks And Bonds

Diversification is a fundamental concept of investing that was introduced to us through the groundbreaking, Nobel Prize-winning research of Harry Markowitz in the 1950s.

Most investors think of diversification from the traditional perspective, which means investing in different types of stocks and bonds in an effort to increase portfolio returns while mitigating risk.

Now, thanks to 60 years of empirically-validated financial science, we can expand our concept of diversification and consider it within the context of "factor investing.” Factors are simply sources of expected returns that are well documented in markets around the world and across different periods.

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Investor Sentiment – A Poor Measure of Irrational Exuberance

Former Fed Chief Alan Greenspan coined the phrase “Irrational Exuberance” in 1996, during the dot-com craze of the 1990s.  Many interpreted the phrase as his warning that the market was getting overvalued or overheated.

Since the dot-com bubble imploded in 2000, we’ve heard the phrase whenever someone perceives any kind of speculative frenzy in the stocks, housing, commodities or some other asset class or area of the economy.  For many, irrational exuberance means we’re in bubble territory.

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Mutual Funds are Gluten Free

Just like many food companies are now advertising their products as gluten free, mutual funds companies are also marketing smart.

They understand that it is not in their best interest to show poor-performing mutual funds. Have you ever seen an ad for a mutual fund that lost 40%, 20% or even 5%?

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The Lucky and the Rare...Which is Which?

During extended bull markets (e.g., 1987-2000 and 2009-date), money managers appear to make money hand over fist.  Even average “do-it-yourself” investors can do well.  These types of bull markets support the adage that a rising tide lifts all boats.

However, as Warren Buffet wrote in 2001, ”…you only find out who is swimming naked when the tide goes out.”

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Top Sector Picks of 2015- Midyear Update

Earlier this year I wrote about the 2015 Sector Predictions made by the highest profile investment strategists on Wall Street. Here is a chart of their collective predictions as published in Barron’s on December 15, 2014.

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