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Articles

Financial advice better from a fiduciary than a broker
San Diego Union Tribune
From $1 to $1 billion it makes sense to use an RIA (registered investment advisor) with fiduciary responsibility rather than a broker, who has a much lower level of responsibility, as well as built-in conflicts of interest.


When buying financial advice, ask about commissions, fees
San Diego Union Tribune
Use a fee-only RIA model that aligns the interests of the advisor with yours.


Some pitfalls of searching for a financial planner
San Diego Union Tribune
Key Point: Use advisors that use DFA funds.


The benefits of index funds, and a Web site to bookmark
San Diego Union Tribune
Passive investing routinely outperforms active investing. On your own: Build and occasionally re-balance a portfolio of diverse passive funds. If using an advisor: Use one that uses DFA funds to build and re-balance portfolios for you.


50 years and counting for S&P's index of measuring growth
San Diego Union Tribune
Benchmark your actual investing performance; S&P 500 is a good general one to use. Only benchmarking over long periods of time, greater than 5 years, is meaningful.


Books

Values-Based Financial Planning

A Handbook for Investment Fiduciaries

Links

Foundation for Fiduciary Studies

Centre for Fiduciary Excellence

Dimensional Fund Advisors

My “Inner Nerd” Loves When Data Shatters Preconceived Notions

Each time a month finished at a new S&P500 high – they looked at the S&P500 12 months later and found that 80.5% of the time, the S&P500 was higher not lower! When they looked at ALL the months across those 91 years – 74.7% of the time, 12 month later, the S&P500 was higher. Very close numbers, very slightly favoring higher markets when starting at a new high!

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Prediction Season

In the coming weeks, investors are likely to be bombarded with predictions about what the future, and specifically the next year, may hold for their portfolios. When faced with recommendations of this sort, it would be wise to remember that investors are better served by sticking with a long-term plan rather than changing course in reaction to predictions and short-term calls.

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