Real Estate Reality

Investors today, in our opinion, can utilize four main Modern Traditional investments and four main Modern Alternative (ALTs) investments to more effectively structure their portfolio. We plan to address each of these assets in coming weeks. Today we’ll take on only...

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The Not-So-Obvious Choice

Sometimes the obvious choice is just wrong. That’s where education comes in. Thomas M. Fafinski educated us in a recent visit to the Financial Fortitude radio show. Tom is co-founder of Virtus Law.[i]Besides practicing and teaching law, Tom is an author and wrote a...

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It’s a Mistake

Good decisions sometimes lead to unfavorable outcomes. Even Warren Buffet’s Berkshire Hathaway lost over $4 billion[ii]in late February when Kraft Heinz (KHC) stock lost about 27% of its value in one day after an unfavorable earnings announcement.[iii]After the stock...

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Are you a hound dog on a nail?

Survey results are in. Americans suffer serious anxiety over uncertainties presented by the prospect of retirement, and their anxiety worsens. The uncertainties keep some of us up at night. When and how we act matters. Some people act like the old hound dog. The old...

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Ain’t Seen Nothin’ Yet

The New Year’s economic tack is not the same as last year’s. In some ways, changes brewing over the last few years have matured and disclose more clarity about their form. In other ways, it’s like somebody flipped a switch. If you thought earlier trends were...

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Going Steady

Which is worse, death or outliving your income during retirement? At least one survey[i] says most Baby Boomers prefer death! The typical solution for understanding the life longevity vs. income longevity problem appeals to statistical analysis; probabilities and...

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Buy Low, Sell High

Many long-term investors aim to satisfy the “buy low, sell high” standard. The starting point evaluates an investment’s current value. This is the general approach taken by the traditional academic appeal to “intrinsic value,” a concept that cornerstones Graham and...

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Trends with Benefits

We believe two investment factors can offer prudent, effective approaches to thinking about and acting upon investments, trends and correlation. Trends We’re not talking about stock market trends. Instead, we favor using demographic and economic trends to help...

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Correlation Revisited

Ryan Litfin & Dale Creed Francis often use the word “non-correlated” to identify an important characteristic of investments. Some readers and Financial Fortitude radio show listeners might be unfamiliar with its meaning, or maybe they could use a quick refresher...

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Ring of Fire

Many investors overlook a critical distinction: Allocation versus diversification. The two aren’t the same. Broad allocation is what many mutual funds do by owning the securities of hundreds of issuers. Allocation addresses the “don’t put all your eggs in one basket”...

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It’s My Life

An interest rate anomaly threatens recession. Alarms sound because of tariffs and events reminiscent of the Cold War. Dark clouds clutter the horizon. Meanwhile, the mainstream media tell investors how to respond in uncertain times. Beware! Advice meant for the masses...

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Make The Call

AnnuityDiscovery.com Investors can buy an insurance policy on their investments. The policy can guarantee* a certain interest rate. Or, it can guarantee no loss of principal. Interest and growth are typically tax-deferred. For investors who want to participate in the...

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Lazy Luck

Ryan Litfin & Dale Creed Francis Deliver Message on Lazy Luck Boomers in their 60s approaching retirement could not have timed it better. For most of the last 10 years or so, broadly allocated stock portfolios gained value with little investor effort. We call that...

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