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Financial Tips for College Graduates

On 05/28/2013, in Cash Management, by Jordan Wilson

U.S. News offers 10 financial tips for young adults.

Actually, financial advice for anyone starting out in the work world. Or even for those who have been working for awhile and now want to begin investing.

Good advice. A few comments from my side. 

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3 Essential Investment Rules

On 04/09/2013, in Investment Strategies, by Jordan Wilson

StreetAuthority looks at three essential investment rules of master investor, Peter Lynch.

Excellent investment advice for those wishing to invest in individual equities.

Unfortunately, I do not know any non-professional investors who could actually follow two of the three keys. Ah, the joys of investment advice.

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Invest Better Than the Pros?

On 02/13/2013, in Investment Concepts, by Jordan Wilson

In “Want to Invest Like a Pro?” we looked at attributes of successful professional investors.

I definitely believe one can learn a lot by watching how the pros invest. Nevertheless, I stated that following the professionals was “maybe a good plan, maybe not.”

This example nicely sums up that statement.

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Planning to Start Investing?

On 07/11/2012, in Investment Concepts, by Jordan Wilson

Just starting to invest?

Perhaps you just graduated from school, got your first real job, and now want to start saving money and building wealth.

Or maybe you are older but personal issues precluded you from beginning to seriously invest for future retirement. Student debt, home mortgages, and children, are just a few things that greatly impact the ability to invest for individuals in their late 20s and 30s. But now you have decided to focus on wealth accumulation.

Regardless of where you are in the life cycle, today some good tips for those beginning to invest. 

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Vanguard 2012 Economic Outlook

On 06/08/2012, in Economics, Learning to Invest, by Jordan Wilson

As we move through 2012, uncertainty exists over global economic and financial markets.

Which countries’ economies will prosper? Or maybe the better question is, which countries’ economies will not completely crater in 2012? Which equity markets should investors consider? What should I do about all the market volatility?

There are many concerns out there for investors.

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Recession Babies?

On 11/30/2011, in Asset Allocation, Investment Strategies, by Jordan Wilson

Younger investors should be willing to take on the most investment risk.

This is due to the classic risk-return tradeoff from Investing 101. The greater the risk assumed, the higher the expected return over time.

However, young investors today are shying away from risk in their portfolios.

Why is this the case?

Is it because young investors were “recession babies”? 

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As you get older, does your financial knowledge decrease?

Good question.

I do not think financial smarts necessarily fall with age. I know a lot of very smart investors of advanced years. However, a new study has come out that finds investing intelligence does decrease over time.

A scary thought. Especially for my 20 something nephew – nephew by marriage I like to point out, definitely not the same gene pool – who seems to already be lagging in this area. 

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Protection From Volatile Markets

On 04/12/2011, in Investment Strategies, by Jordan Wilson

A potentially legitimate concern about buy and hold investing is that it underperforms active management during fluctuating and bear markets.

Today we will review how to protect your wealth during periods of market volatility when using buy and hold.

A few points come from my general long-term investment philosophy. One that attempts to build such safeguards automatically into one’s portfolio.

A few other thoughts will involve tweaks to the traditional buy and hold methodology. Tweaks that hopefully will improve on its performance. 

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Legitimate Buy and Hold Concerns

On 04/05/2011, in Investment Strategies, by Jordan Wilson

In our last post, we looked at a few commonly perceived negatives on the buy and hold investment strategy.

Some of the minor complaints.

Today we will review more legitimate concerns. 

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In creating an Investment Policy Statement (IPS), you need to conduct a comprehensive investor profile. Who you are as an investor and what you want to achieve.

Part of this requires assessing your current financial situation, as well as investment related objectives and constraints.

But it is also important to factor into your analysis three key variables. These are: investment time horizon; current phase of life-cycle; risk tolerance level.

Let us take a look at these crucial areas .

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