Waves and Tides

Waves and Tides

So far this year, the investment world has been rough on the squeamish. The Dow Jones Industrial Average has seen multiple days with a 200-point rise or fall. This is largely due to uncertainty in the market over oil prices, China’s economic slowdown, central bank...
The Value of Good Advice

The Value of Good Advice

Recent studies show that 401 (k) participants who use third party help with their 401 (k) allocations perform better than those who don’t. “Across all age ranges and a wide range of market conditions, participants using Help earned higher median annual returns than...
Food For Thought: Money is an Amplifier

Food For Thought: Money is an Amplifier

I heard once that money is an amplifier. It makes you more of what you already are. If you are generous, more money will make you more generous. If you worry, with more money you will worry more. If you are happy…I think this one is...
Rolling the Dice With Retirement

Rolling the Dice With Retirement

60.5% of Non-Help Participants (401 (k) Participants who manage their own accounts) had inappropriate risk levels. Of those, approximately two-thirds were taking on too much risk, and about one-third were taking on too little risk, jeopardizing these participants’...
HELP! I need somebody…Lennon and McCartney

HELP! I need somebody…Lennon and McCartney

According to a recent study by AON-Hewitt, a national 401 (k) administration firm studied the difference between participants who used “Help”—target-date funds, managed accounts, and online advice, and those who went on their own. “The annual performance gap between...
Food for Thought: Oil Prices

Food for Thought: Oil Prices

“History does not repeat itself, but it does rhyme.” Mark Twain In 1981 Oil prices hovered near $40 per barrel. US domestic exploration was booming. OPEC flooded the market and dropped the price of oil to $11 per barrel. The cost of production in the US was $17. Today...