CommonSense InvestSense
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CommonSense InvestSense- 1+1=34: A Step-by-Step Guide to Wealth Management and Preservation Using the Active Management Value Ratio November 7, 2022In a recent Wall Street Journal article, Jason Zweig discussed the lack of transparency with regard to financial advisers.1 While I agree with his assessment, I believe that he may have actually underestimated the damage resulting from such lack of … Continue reading →investsense
- At What Cost?: Annuities, Cryptocurrency, and 401(k) Plans November 4, 2022For many people, their 401or 403(b) accounts are their primary retirement savings. So, it’s only natural that they want their 401(k) or 403(b) plan to offer investment options that are truly in their best interests and their beneficiaries’ best interest. … Continue reading →investsense
- “CommonSense InvestSense”- Simplifying Prudent Investing with the Active Management Value Ratio™ August 24, 2022Numerous studies have concluded that when it comes to investing, American are functionally financially illiterate. Despite these findings, ERISA, the primary legislation regulating American pension plans does not require that plan participants be provided with any sort of investment education. … Continue reading →investsense
- “At What Cost” – Annuities and Cryptocurrency vs. Wealth Preservation and Investor Protection August 21, 2022Annuity peddlers would have the public believe that all God’s children need an annuity. Plan sponsors are now confronted with the potential issues of including annuities and crypto currencies within a 401(k) plan. I believe that both assets are inappropriate … Continue reading →investsense
- “The Lie of the Pie” – Mutual Fund Marketing “Trickeration” August 21, 2022The financial services industry likes to use charts…a lot of charts. Attorneys do not like charts. Charts can be confusing and misleading, sometimes deliberately so. One judge told me that after I had argued the connection between charts and “weaseleze,” … Continue reading →investsense
- Upon Further Review-Rethinking the Investment Decision-Making Process April 26, 2022In college, my minor was psychology. My thesis was on heuristics, cognitive biases, and the decision-making process. I have always been fascinated by the way the mind works. Nobel Laureate Daniel Kahneman’s best seller, “Thinking Fast and Slow,” offers a … Continue reading →investsense
- The Active Management Value Ratio™ 3.0: Investment Returns and Wealth Preservation for Investors and Fiduciaries April 9, 2022Studies have consistently shown that people are more likely to understand and retain information that is conveyed visually rather than verbally or in print. I regularly receive requests for copies of the Powerpoint slides. So for those of you that … Continue reading →investsense
- 1Q 2022 AMVR “Cheat Sheets” April 3, 2022On the 5-year cheat sheet, only one fund, Dodge & Cox Stock (DODGX), posted positive incremental returns on both nominal and risk-adjusted returns. While DODGX passed the AMVR screen on nominal returns, the fund failed to pass the AMVR screen … Continue reading →investsense
- 4Q 2021 AMVR “Cheat Sheet” January 12, 2022At the end of each calendar quarter, InvestSense publishes the 5 and 10-year Active Management Value Ratio (AMVR) scores of the non-index funds in “Pensions & Investments” annual survey of the most used mutual funds in U.S. defined contribution plans. … Continue reading →investsense
- The Dangers of “Black Box” Financial Planning/Plans November 18, 2021Financial planning, when done properly, can be a valuable process to consumers. So say yes to the process of financial planning. However, when it comes to financial plans, avoid the inherent issues of “black box” financial planning and “canned” financial … Continue reading →investsense
- 1+1=34: A Step-by-Step Guide to Wealth Management and Preservation Using the Active Management Value Ratio November 7, 2022
Monthly Archives: October 2013
Pimento Cheese Sandwiches and Investor Protection
Yesterday I was in North Georgia in connection with a possible case. I took the opportunity to have lunch with a high school classmate who now lives in the area. Both the company and the food were excellent, but both … Continue reading
Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, IRA, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Distribution Planning, Retirement Plan Participants, Retirement Planning, Variable Annuities, Variable Annuity Abuse, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k Investing, abusive practices, investing, investment advice, investment advisors, investment portfolios, investment scams, investor protection, IRAs, Pensions, portfolio construction, retirement plan participants, retirement planning, variable annuities, variable annuity abuse, wealth management, wealth preservation
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Financial Planning vs. Financial Plans
Many financial planners charge $5,000 or more to develop a retirement plan, or a five-year plan, for you and your family. You will receive a nice, thick brochure with numbers in it. Separate each page carefully. You now have a … Continue reading
Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Distribution Planning, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, asset protection, black box investment fraud, financial interests, financial planning, investing, investment advice, investment losses, investment portfolios, investment scams, investor protection, InvestSense, portfolio construction, retirement planning, stockbrokers, wealth management, wealth preservation
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CommonSense InvestSense 