Knight Kiplinger, head of Kiplinger financial media, created a nice asset management video.

8 Keys to Financial Security is exactly that. Tips for protecting your assets and growing wealth.

As per usual, I add my two-cents to Mr. Kiplinger’s wealth management recommendations. 

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Investors Shun Risk

On 04/04/2012, in Investment Concepts, by Jordan Wilson

A relationship exists between investment risk and expected return.

The safer the asset, the lower the expected return. The greater the investment risk, the higher the required return. Or it can be a tad more technical if you like.

Investors should take an objective view of investment risk. Unfortunately, investors tend to be emotional creatures and these volatile times lead people to become fearful of investment risk.

So what is happening? And what should you do as an investor?

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Occupy AARP?

On 03/19/2012, in Economics, Personal Finance, by Jordan Wilson

In the United States, and other countries, Occupy Wall Street (and other places) were all the rage last summer. Now that the snow is departing, it will be interesting to see if the Occupy protests return to all the (formerly) public places.

The various Occupy movements primarily target capitalism. Quite ironic when you watch the protesters in their Nike clothing, using multiple Apple products. But expected when you see the financial backing and support of the unions. 

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Many readers are a long ways away from retirement.

Messing up on retirement is not yet on one’s radar.

But it should be.

And the sooner you realize how people mess up retirement, the easier it is to avoid problems. 

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Investing Philosophy in 10 Words

On 01/28/2012, in Investment Strategies, by Jordan Wilson

Can you summarize your investment philosophy in 10 words or less?

Can anyone?

After all, investing is a complex subject. 

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Are You Saving Too Much?

On 12/08/2011, in Financial Advisors, Investment Concepts, by Jordan Wilson

I read an article entitled, “Are You Saving Too Much for Retirement?”

I think it is a good article to discuss. No, the article itself is not good. Far from it. Rather this type of article is good to discuss. A big difference. 

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Fund Fees Barely Budge

On 10/31/2011, in Investment Strategies, by Jordan Wilson

I am a proponent of passive investing.

That means investing in passively managed index funds that track a specific market sector. Primarily, exchange traded (ETF) or open ended mutual index funds.

Research indicates that actively managed portfolios tend not to perform better than passive portfolios. And actively run portfolios cost investors more money in fees and expenses than passive.

So why take an active approach? 

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For most individual investors, I believe that a passively managed, well diversified investment portfolio is the best approach for long term success.

I do not believe that paying higher fees for active management brings superior results over the long run. Instead, minimize investment costs and stick to index funds for the majority of investments. Let portfolio returns compound in your investment account, not in the pocket of an investment advisor or financial institution.

I have written extensively as to why I believe in this strategy.

Today, a little more evidence that a passive approach outperforms an active one. 

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I consider John Bogle to be the father of index investing. And for those who follow this blog, you know that I am a fan of passive investing utilizing index funds.

As founder of the Vanguard Group, Mr. Bogle has built a mammoth investment company over the years.

So when Mr. Bogle speaks, his comments are worth listening to. 

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Rebalance Through Profit Taking

On 07/05/2011, in Investment Strategies, by Jordan Wilson

In How to Rebalance an Investment Portfolio, I stated that it is generally preferable to reallocate future acquisitions rather than divesting existing assets to get back to your target asset allocation.

A big reason for this is to defer capital gains taxes payable from selling outperforming assets. The longer you keep your wealth in your possession, the better your compound returns will be. This is a problem when triggering taxes on asset sales. 

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