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Index Funds and Expense Ratios Throwing Money AwayIndex Funds

Index Funds and Expense Ratios

We wrote that perhaps the primary advantage of investing in index funds and index ETFs is their low expenses. But there are some index funds that charge outrageously (in our opinion) high expense ratios. We don’t understand why any investor would ever invest in them. If it is because their financial advisor put them there, they need a different financial…
David A. Dubofsky
June 5, 2023
Liquidity Financial liquidity describes the ability to buy or sell something quickly at a fair price.FinancesFinancial LiteracyLiquidity

Liquidity

Financial liquidity describes the ability to buy or sell something quickly at a fair price. An illiquid asset cannot be so easily sold. For example, real estate is typically an illiquid asset. You may have to wait months to get the price you want. There are three components to the liquidity of securities in general, and stocks specifically: The first is the…
David A. Dubofsky
March 21, 2023
Asset Allocation 101 Asset Allocation - Planning for long term successFinancial LiteracyFinancial Planningstocks

Asset Allocation 101

Asset allocation, at its most basic level, is deciding how to spread (allocate) the risk across your investment portfolio: stocks vs. less-risky instruments such as bonds and certificates of deposit (CDs). These decisions will be the primary determinant of your investment performance; i.e., your portfolio’s rate of return. Beyond this seemingly simple decision, you must consider how much to invest in domestic stocks, international…
David A. Dubofsky
January 13, 2023
Forbearance If you (or someone you know) are having difficulty repaying a loan, consider asking for forbearance.Financial LiteracyUnderstanding Debt

Forbearance

If you (or someone you know) are having difficulty repaying a loan, consider asking for forbearance.  It will likely prove to be the best gift you receive this holiday season.  This is a concept that is rarely, if ever taught, in business school.  Many (most) college educated individuals in finance may not be familiar with it. Enjoy, and share our discussion of…
HSF Publishing
December 12, 2022
Time Value Of Money TIME-VALUE-OF-MONEYFinancial LiteracyMonetary Wealth

Time Value Of Money

FINANCIAL LITERACY AND THE TIME VALUE OF MONEY With interest rates near 14-year highs, we should revisit the phrase, “Time is Money.” You may have even used the phrase yourself.  It has special meaning when applied to investing and financial planning.  Lyle and I are happy to present our “Time Value of Money” lesson, taken directly from  Your Total Wealth. …
David A. Dubofsky
November 15, 2022
The U.S. Securities and Exchange Commission (SEC) United States Securities and Exchange CommissionU.S. Securities and Exchange Commission (SEC)

The U.S. Securities and Exchange Commission (SEC)

The Security and Exchange Commission (SEC) : What is it, what does it do, and why should investors be grateful it exists?  Chances are most investors have just a superficial understanding of this important government agency,  But anyone working with a l #financailadvisor needs to know the answers to the questions. Lyle Sussman and I are happy to share a…
David A. Dubofsky
October 28, 2022