Insights & Observations Blog

Insights & Observations

Context and perspective to improve behavioral  finance patterns and  make smarter financial decisions. A focus above the fray, on what matters most for effective financial outcomes and goal achievement.

  • ★ Featured blog post

    Markets do fine over time… but many investors don’t

    As the year turns, investors are bombarded with predictions about what 2017 may hold. Soothsayers will suggest strategies to avoid the next crisis or how not to miss the next great opportunity.

    ★ Featured blog post

    Q3-2016 Quarterly Context Webinar

    ★ Featured blog post

    Is uncertainty a friend or foe?

    Surprise parties would surely be less fun without it, and life would generally be more boring if all outcomes were known in advance. And, while capital markets react negatively to increases in uncertainty, it is that very same absence of clear outcomes that makes the capital markets possible and worthwhile in the long-run. Unpredictability is […]

    ★ Featured blog post

    Reality of Red Numbers – updated

    What’s your guess as to how many months the stock market declines or rises each year? And in bad vs. good markets?

    ★ Featured blog post

    Q3-2016 Market Review

    Investor angst over the unexpected vote on Brexit was short-lived with a “risk-on” theme returning to the markets in July and leading to stock market highs for the Dow, NASDAQ and S&P 500 in August. Highly unusual election antics and continued geopolitical concerns on a number of fronts did not dampen investors’ risk appetite or their quest for yield.

    ★ Featured blog post

    Noise attracts more attention than silence.

    Noise generally attracts more attention than silence. Being aware of certain things you don’t see or hear, however, is sometimes more important than the obvious.

    ★ Featured blog post

    Q2-2016 Market Review

    Brexit, Regrexit, Bremorse, Breturn? The 2nd quarter was reasonably uneventful and markets were relatively placid until June 23rd, when British voters narrowly approved the Brexit referendum. Investor complacency was replaced with shock, and markets reacted fiercely. Volatility spiked, global bond yields fell sharply.

    ★ Featured blog post

    The new “Fiduciary Rule” requires that financial advisors put client interests first… except when it doesn’t.

    The DoL recently announced finalization of the “Fiduciary Rule.” Given the final language of the law and the relatively minor changes from the proposed version in 2015, the public should be concerned. As background, and unbeknownst to most consumers, the financial industry is divided into two groups: 1) A very large group of firms, both […]

    ★ Featured blog post

    Here We Go Again – Risk is Your Friend

    There’s a good reason several musicians have songs titled “Here we go again” …life is full of challenges that cycle through.

    ★ Featured blog post

    Quarterly Thoughts – Reality of Red Numbers

    What’s your guess as to how many months the stock market declines or rises each year? And in bad vs. good markets?

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