Author Archives: David

 

Investing in US Exports, A Study in Forward Thinking.

  • Written by David
  • July 28, 2008 at 8:29 am
  • 0

It was an interesting morning catching up on financial news over the past few days. I came across two separate articles touting the benefits of investing in US companies that export their goods and services abroad. One such column suggests,Could the stocks of U.S. exporters be the next asset class to invest in — as [...]

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Why have a Simplified 401k in your Company?

  • Written by David
  • July 24, 2008 at 9:11 am
  • 0

The traditional ‘do-it-yourself’ 401(k) has been in existance since the early 1980′s. Over the past two plus decades employees have been left to make their own investment decisions. Has this worked? Of course not. Look at the DALBAR studies that I refer to in my other blog, Random Musings from the Desk of David Gratke. [...]

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Dave, how do you construct investment portfolios?

  • Written by David
  • July 11, 2008 at 10:14 am
  • 2

This is always a great question to ask, but perhaps more poignant in current market conditions. Many years ago I chose to adopt a specific model that would maximize the possibility and probability for long-term investment success of my clients when constructing their portfolios. Remember that pesky DALBAR Study: 20 year average annual returns from [...]

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Market Update, and Oil Prices… again

  • Written by David
  • July 8, 2008 at 7:57 am
  • 0

Do you have 33:34 minutes to spare? I’d like you to consider watching a market update in video form from Liz Ann Sonders, Senior Vice President and Chief Investment Strategist of Charles Schwab & Co., Inc. Ms. Sonders builds a case for oil topping out. The video covers a number of topics which I’ll offer [...]

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Candidate Tax Proposals

  • Written by David
  • July 7, 2008 at 10:42 am
  • 0

The link below will forward you to Milton Ezrati’s, (Partner and Senior Economist and Market Strategist for Lord Abbett & Co) article reflecting the proposed tax plans for each Presidential candidate. Click HERE for the full article. Subjects covered include: * 2001/2003 Tax Cuts* Estate Tax* AMT * New Tax Cuts* Health Care* Tax Increase* [...]

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Just a reminder….Smart Investing Begins with a Disciplined Approach, not a Cycle of Emotion.

  • Written by David
  • June 27, 2008 at 9:02 am
  • 1

It is in markets like this that a friendly reminder of investment basics makes sense. Let us all be aware of how emotions impact our decision making process… and take note of the insidious effects emotional decisions can have on our investment process. I reference the age-old Dalbar study. How is it an unmanaged index [...]

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Top 6 Myths About Social Security Benefits

  • Written by David
  • June 26, 2008 at 9:23 am
  • 0

In ongoing reading I came across this thoughtful article on many of the age-old debates that surround Social Security. Social Security Adminstration Breakeven Calculator, click here. If you are confused by the advice some people are offering about Social Security benefits, you’re not alone. In perhaps no other area of personal finance is more misinformation [...]

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Rear View Mirror Investing, …and Chasing Past Performance

  • Written by David
  • June 11, 2008 at 7:01 am
  • 0

I once heard it said about ‘rear view mirror’ investing, if only we could back-date the account application to take advantage of a particular investment theme after the fact, then such a strategy would be an excellent idea. We can’t back-date of course. So why do investment articles continue to focus on just that, using [...]

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So, this is how it goes?

  • Written by David
  • June 9, 2008 at 1:57 pm
  • 0

On April 23rd my blog posting reported on a market study we call “The Penalty for Missing the Market.” This study has been updated by many investment firms over the years. To recap the April 23rd information; markets can and do move quickly and suddenly as we saw on Friday June 6th with a greater [...]

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Possibility of a US Economic Slowdown Reappears

  • Written by David
  • June 6, 2008 at 1:08 pm
  • 0

Today’s US stock markets responded for many reasons; one such reason is the uncertain health of the US economy. In recent weeks, the markets seemed to have drifted away from the notion of the US economy moving into a recession. I’m not stating that we will or will not have a recession. Remember my blog [...]

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