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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'.

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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When the Fed Strikes Back…Yield, Don’t Stop!

It’s hard for many to believe that the economic recovery is now over six years old.  GDP is steadily improving. And, the Bureau of Economic Analysis reports that our economy is larger than it has ever been.

When we look at the economy from an investor's perspective only two things come to mind: stocks and interest rates.

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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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Bulls and Bubbles and Records…Oh My

Several times a week for the last three or four years, I’ve heard too many people commenting that we’re in a market bubble and headed for a correction.

While I agree there will be a market correction at some point—just like there have been for hundreds of years, no one knows for sure when it’s going to happen.

For anyone who listened to the naysayers’ rantings about a bubble and pulled money out of the markets, they’ve missed out on one of the greatest bull markets in U.S. history.

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Tactical Management Is Nothing New

The 2008 financial crisis caused investors to gain a true appreciation of market volatility. We saw that market declines can be fast, furious and nasty. During this period, there were thousands, if not tens of thousands, of articles and editorials proclaiming the benefits of tactical investment management. Tactical management has been around for years, but its popularity increased with the financial crisis.

What is tactical investment management? It is an approach where the portfolio manager dynamically shifts the asset allocation (investment mix) in response to market trends and macro-economic conditions. Tactical supporters assert that this approach is most effective when markets are flat or down.

If you’ve been to one of our investment workshops, you know I would say tactical management is simply “market timing” in disguise.

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