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Is it Time to Take Cash Off the Sideline?

By |2024-02-15T17:09:39+00:00February 15, 2024|Investment Management, Podcast, Tax Planning|

We’ve been getting questions lately from people with a lot of money sitting on the sidelines. They’re waiting to jump back in the stock market when they feel comfortable but timing the market is incredibly difficult.

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If you have a Federal Employee TSP – Watch This Video

By |2022-09-10T22:45:30+00:00September 10, 2022|Investment Management, Retirement Income Planning, Uncategorized|

Do You Know How Your TSP Dollars Are Being Invested? What is Blackrock you ask? In January 2022, West Virginia Republican State Treasurer Riley Moore announced that the state would no longer be using BlackRock Inc. for banking transactions due to the company’s involvement in China and its policies related to coal and natural gas. Well, in June 2021, Tucker Carlson exposed how BlackRock and other investment firms like it, are "killing the dream of home ownership." Journalist Pedro Gonzalez reiterated [...]

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Exchange Traded Funds: What are they and should I invest in one?

By |2022-09-10T19:49:35+00:00June 14, 2022|Investment Management|

Since the earliest days of trading goods, humans have looked for ways to decrease risk by sharing a cut of the profits. For example, it wasn’t seen as wise to invest all your capital in a single ship. If it sank, you’d lose everything. So, you’d invest in several ships, hoping that at least a few of them would make it back. To better facilitate this “insurance” against total failure, merchants came up with the ingenious idea of a joint-stock company. Not only did this allow [...]

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Pigeons, Monte Hall, and the Cost of Bias

By |2022-09-10T19:49:36+00:00May 17, 2022|Investment Management|

It’s pretty obvious that birds have much smaller brains than humans. In fact, calling someone a birdbrain is considered an insult. Yet, research has shown that even though birds lack the analytical abilities of humans, they are superior to people in certain kinds of decision making. The evidence is in how our two species perform when solving the “Monte Hall” problem. Monte Hall was the host of the long running gameshow “Let’s Make A Deal.” During the show a contestant would be presented with three doors. [...]

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Retirement Investing: When Boring is Good

By |2022-09-10T19:49:38+00:00April 26, 2022|Investment Management, Retirement Income Planning|

If a friend describes the latest spy novel as “about as interesting as watching paint dry,” or a review says the plot of an award-winning film “is like watching grass grow”—you take that information as a warning. The book and the movie are boring. And the last thing you want when you’re looking for entertainment is to be bored. But when it comes to managing your finances and saving for retirement, boring is good. First of all, it’s proven to be the most effective way to [...]

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Cryptocurrency: a big opportunity or a risky gamble?

By |2022-09-10T19:49:39+00:00March 29, 2022|Investment Management|

In 1995 plush toy maker Ty Warner had a problem. His Chinese supplier could no longer make his top-selling stuffed animal, a lamb named Lovie. Warner was worried that when customers found out they could no longer buy this popular item, they would be upset. He came up with a solution that would make him a billionaire. Instead of telling his retailers about his manufacturing woes, Warner decided to announce the discontinuation of Lovie as a planned “retirement.” Soon customers were calling their local gift shops [...]

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The 7 Money Personality Types

By |2022-08-19T17:12:31+00:00February 22, 2022|Investment Management, Theus Wealth Advisors|

Everyone can agree that financial literacy is a good thing. When people understand the basics of personal money management, saving, and long-term investing, they’re better equipped to make informed decisions about their finances. But financial literacy alone can only take you so far. Simply having knowledge on a subject is often not enough to overcome a strong emotional desire to ignore certain aspects of the available information. A good example of this is food labeling. Every package of food at the store carries a standardized nutrition [...]

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When it Comes to Investing Biases, Some are Harder to Overcome than Others

By |2022-08-19T17:15:45+00:00February 1, 2022|Financial Market, Investment Management, Theus Wealth Advisors|

It’s not controversial to say that investing biases can hurt the performance of your portfolio. Most investors would agree. And yet by its very nature a bias—an unreasoned opinion—will often be invisible to the person holding it. You can find evidence of this in a recent DALBAR, Inc. study of investor behavior. Researchers found that over the 20-year period ending December 31, 2020, individual stock fund investors consistently underperformed a market benchmark index. During the studied period the S&P 500 had an average annualized return of [...]

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Why “Get Rich Slow” Could Be the Best Way to Save for Retirement

By |2022-01-25T12:41:25+00:00January 25, 2022|Investment Management, Retirement Income Planning|

The Biggest Loser, which ran on NBC from 2004 to 2016, was a reality-TV hit for a number of reasons. It dealt with a concern of many Americans (losing weight). It revealed the personal struggles of the contestants who were often overcoming lifelong challenges with food. And it delivered the results everyone wanted to see. The contestants lost considerable amounts of weight (100 lbs. on average) in a relatively short period of time (30 weeks). Each season, the finale would reveal who had lost the most [...]

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Why Humility is a Necessary Ingredient in Long-Term Self-Improvement

By |2022-01-11T12:36:08+00:00January 11, 2022|Investment Management, Retirement Income Planning|

Nearly 20 years ago the Fox network began airing a TV show called American Idol. Thousands of unknown singers showed up to audition. And after multiple rounds of competition, the cream rose to the top and we saw that there really was great talent just waiting to be discovered. (Kelly Clarkson won that first season.) But that was only half of the show’s appeal. The other half was seeing the auditions of the contestants who believed they were excellent singers, but in many cases could not even [...]

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