Consumer Finance

2016 Portfolio Plan, Market Crash and Additional Financial Goodies

Posted by on Jan 20, 2016 in Consumer Finance, Do it yourself investors (DIY), Fiduciary Standard, Financial Education/Literacy, Personal Finance

Today’s post is a follow-up to my previous post about my 2015 portfolio return. In the first weeks of 2016 the stock market had its worst beginning of the new year ever. That is a strong and historic statement. Is there anything we should be doing different? As long as you have a low-cost, diversified plan across all major asset classes and that the stock bond split is appropriate for your age and willingness to take risk, there is no reason to change your plan or to capitulate. In fact, it is not good to change your plan to a less risky portfolio while a crash is underway. Check out my portfolio during this current crash.

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Book Review of “If You Can: How Millennials Can Get Rich Slowly” 0

Book Review of “If You Can: How Millennials Can Get Rich Slowly”

Posted by on Oct 4, 2015 in Beginning Investing, Consumer Finance, Do it yourself investors (DIY), Fiduciary Standard, LAUSD Employees, Retirement Planning

Dr. Bernstein starts with a simple three-fund portfolio. The Total Stock Market Index, Total International Stock Market Index, and the Total Bond Market Index are spot-on for those who already have the basics of a diversified investment solution.

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Trust and Investing 0

Trust and Investing

Posted by on Sep 26, 2015 in Beginning Investing, Consumer Finance, Do it yourself investors (DIY), Fee Only Fiduciary Financial Advisors, Fiduciary Standard, Financial Education/Literacy

When it comes to stock market investing and financial advisors, trust is a big deal. Many articles have been written about trust by the financial profession. This article takes on this complex issue from a consumer’s point of view.

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Return on Eco-System Home/Auto Investment 0

Return on Eco-System Home/Auto Investment

Posted by on Sep 19, 2015 in Consumer Finance, Personal Finance

Early adopters are consumers who aspire to own the newest gadget even if it means paying top price. When it came to a renewable energy plan for our home and automobiles, we were no exceptions. Despite the high cost, we wanted our home and two cars dependent on 100% clean and renewable energy. Why?

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