Investing and personal finance for everyone
Capital allocation is the process of deciding how to spend financial resources. You might think of it as a corporate budgeting process where companies decide how to invest their resources. The goal of capital allocation is to invest the company’s
Creating a personal budget is one of the first steps toward improving your finances. No matter if you are struggling to pay off debt or saving up for something big like a house, retirement, or a vacation, creating a personal
No matter what your current financial situation, you can take control of your financial future. With a few simple steps, you can improve your financial situation, build and grow wealth, and ultimately become financially independent. Financial independence means having assets
“Buy low, sell high” is an old adage of investors. However it is difficult to know exactly when market highs and lows arrive without the benefit of hindsight. Dollar cost averaging can help investors invest without worrying about the timing and
A lot of investors and investment managers talk about diversification and diversified investment portfolios, but if you are new to investing you may be wondering: just what is a diversified investment portfolio? And how to I create one? Put simply,
Traditional and Roth Individual Retirement Accounts (IRA) are both great ways to save for retirement because they provide tax advantages for investors. There are a few differences between Traditional and Roth IRAs, but the primary difference between is how and
2018 was an odd year for asset class returns. Every asset class yielded negative real returns. Only a few asset classes yielded positive nominal returns, but failed to keep pace with inflation. Cash and short-term bonds performed the best, yielding
It has been a long time coming but I have finally cut the cord. Personally I know that I could not cancel cable without replacing it with some form of live TV–Netflix or Amazon prime video alone just will not
If the stock markets declined by 40% or more, how would your portfolio be impacted? A large market decline does not have to mean large losses for your investments. Hedging can be a useful tool to minimize downside risk and
It’s that time of year again. Personally I don’t set New Year’s resolutions—I set goals for the next year. Before setting next year’s goals I like to review my progress towards the current year’s goals. 2018 financial goals in retrospect