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What Is Risk, Really?

August 29, 2018It Comes From Within   The boring, formal and – frankly – useless answer to the question: Risk is the probability or likelihood of occurrence of losses relative to the expected return on any particular investment blah, blah, blah…who cares? Wake us when it’s over. Sure, we care about risk. After all, it’s one-third of any investment, along with cost and return. But that definition doesn’t get to the heart of the issue. Every day there’s a probability that we lose money that day. But no one’s panicking over that. Until, in the midst of our busy lives, that probability ... Read More

The IRS Never Calls First

July 30, 2018And other ways to keep your money safe…   Last Monday, Bill’s cell phone rings, and he picks up… Recording (with our commentary): “This call is officially a final notice from IRS (not “the” IRS?), Internal Revenue Service. The reason of this call is to inform you that IRS (again) is filling (not filing? maybe it was the accent) a lawsuit on your name because you have tried to do a fraud (someone skipped grammar class in 4th grade) with the IRS and we are taking a legal action, and we are issuing an arrest warrant on your name (a ... Read More

So Which Is It?

June 30, 2018What was bad is now good again? We don’t think so. The article below serves as a reminder that Wall Street does not have your best interests in mind. Here’s the short version… The proposed “Fiduciary Rule”, by which all financial advisors would be forced to put clients’ interests ahead of their own, is now dead. Before this recent development, Merrill declared that it would switch to all fee-based accounts because it was in their clients’ best interest. But now that the rule is dead, they are going to switch back to allow commissions. This move, according to their own ... Read More

E+R=O, a Formula for Success

May 23, 2018Combining an enduring investment philosophy with a simple formula that helps maintain investment discipline can increase the odds of having a positive financial experience. Investing is a long-term endeavor. Indeed, people will spend decades pursuing their financial goals. But being an investor can be complicated, challenging, frustrating, and sometimes frightening. This is why it is important to have an investment philosophy you can stick with, one that can help you stay the course (i.e., the Evidence-based Approach). This simple idea highlights an important question: How can we, as investors, maintain discipline through bull markets, bear markets, political strife, economic instability, ... Read More

The Holy Grail

The Holy Grail is understanding what determines expected return. Leveraging quality proven data is key.

A Foundation Built on Great Ideas

Many of the greatest advancements in finance have come from academic research. Dimensional Fund Advisors is a pioneer in translating those discoveries into practical investment solutions for clients.