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The Sky Is Falling! – Special “FOQ” Edition

May 23, 2022You Asked, So We’ll Answer   FOQ: (During a meeting…) Everything’s down – did you just say that’s good? Short: Yup. Long: Well, without down markets, we would not have much of an up market over the long run. Stocks have averaged about 10% forever. And that’s more than cash, bonds, commodities, CDs, gold and other metals, annuities, currencies, collectibles, and just about anything else. But for that long-term reward, we must absolutely experience some short-term suffering – that is, the manifestation of risk. Reward and risk are inextricably related. Anything said to the contrary is either a sales pitch ... Read More

All About Recessions

April 30, 2022With all the talk in the financial media about a “looming recession”, we thought we’d share some facts about them:   The definition of a recession: The National Bureau of Economic Research (NBER) is generally recognized as the authority that defines the starting and ending dates of U.S. recessions. They state that a recession is a significant decline in economic activity spread across the economy, lasting more than a few months, normally visible in real GDP, real income, employment, industrial production, and wholesale-retail sales. The “other” definition: In 1974, economist Julius Shiskin defined a recession as two consecutive quarters of ... Read More

Frequently “Oaked” Questions

March 30, 2022You Asked, So We’ll Answer     FOQ:  Aren’t dividends from stocks a good way to generate income? Short: Nope. Long: Focusing on dividend paying stocks for income presents a bunch of issues: lack of diversification, tax inefficiency, timing of payments and size of payments.   FOQ: I’m guessing that’s bad, right? Short: Yup. Long: Diversification is a pillar of prudent investing. Yet only roughly half of global stocks pay a dividend. So loading up on them would cut your diversification in half, at least. And in our experience, those seeking dividend income tend to concentrate their holdings to 50 ... Read More

Patience in Investing: 2022 Update

February 28, 2022The saying “Risk equals reward” is incomplete on its own. For example, were you to say, “Risk equals reward, but not all risks are rewarded”, you’d be correct (that’s a topic for another time). Furthermore, there’s a time factor involved in the reward side of this simple equation. We’d say, “Risk equals reward. But you have to wait for it.” How long? You never know. And therein lies the risk. While we’ve recently hit new highs, the road to these levels has been peppered with periods of no growth, or no reward for the risk – periods that can make ... 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.