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Index Funds An index fund is a passively managed mutual fund.Index Funds

Index Funds

An index fund is a passively managed mutual fund. They don’t try to find undervalued securities or actively trade in and out of stocks (or bonds, for bond index funds). They buy a portfolio of securities that replicates an index, such as the S&P500 Index. Then, they hold that portfolio, trading only when necessary (e.g., because a company was acquired…
David A. Dubofsky
February 27, 2024
Why You Shouldn’t Invest Based on Which Party You Think Will Win the Midterms Barron's Wealth ManagmentInvesting

Why You Shouldn’t Invest Based on Which Party You Think Will Win the Midterms

 By David Dubofsky and Lyle Sussman Oct. 20, 2022 2:46 pm ET As we approach the midterms, some clients may want to revisit their portfolios based on their fears or hopes about which party will control Congress. Why? Investors’ economic views have always been influenced by politics. Americans often vote their pocketbook believing that their party’s victory will lead to…
HSF Publishing
January 24, 2024
Voices The art of asking: How the right questions, worded precisely, can help older clients Financial Advisor with Elderly ClientsFinancial PlanningRetirement

Voices The art of asking: How the right questions, worded precisely, can help older clients

By Lyle Sussman, David Dubofsky November 30, 2023, 6:00 a.m. EST 3 Min Read Loss aversion, one of the major behavioral finance biases, is often defined as the pain of losing an amount of money exceeding the pleasure of gaining that same amount of money. It also refers to the reluctance of investors, and individuals in general, to realize losses,…
HSF Publishing
December 3, 2023
The Psychology Of Hedging THE PSYCHOLOGY OF HEDGINGUncategorized

The Psychology Of Hedging

We recently posted a short primer on HEDGING and the possible financial implications created by trying to mitigate risks.  We now add to our BLOG on HEDGING with a different perspective focused not on finances per se, but on the perceptions and emotions while confronting the uncertainty.   Is the situation a problem or merely an inconvenience? Carefully consider your unique…
HSF Publishing
October 18, 2023
The Risk Of Managing Risk Hedging RiskFinancial Risk

The Risk Of Managing Risk

Financial advisors may have clients who have “done their homework” and are considering HEDGING  their risks.  When that happens both the client and advisor should discuss the potential risk inherent in any hedging strategy; hedging is a double edged sword.  Our latest contribution to the #Yourtotalwealth BLOG provides a primer for this discussion on hedging.  Enjoy, learn and share.
HSF Publishing
September 15, 2023
Smart People Doing Stupid Things Smart People Doing Stupid ThingsFinancial Literacy

Smart People Doing Stupid Things

DECISION MAKING BIASES IN PERSONAL FINANCE   OBJECTIVES • Reality check. Financial professionals and their clients are both constrained by their decision-making biases. • 3 Behavioral Finance biases affecting counselors and their clients: Confirmation Bias, Overconfidence, and Loss Aversion. • Strategies for mitigating the effects of these specific biases, and cognitive biases in general. Q and A. References for further…
HSF Publishing
July 21, 2023