CommonSense InvestSense
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CommonSense InvestSense- Cost-Efficiency and Common Sense: Simple Factors in Improving the Accumulation and Preservation of Wealth January 29, 2021Section 7 of the Uniform Prudent Investors Act (UPIA) states that “[w]asting beneficiaries’ money is imprudent.” While the UPIA is directed at trustees and the management of trust assets, common sense tells you that the warning is equally applicable to … Continue reading →investsense
- DIY Investor and Fiduciary Protection Strategies: 4Q 2020 401(k) Top 10 AMVR Analysis January 4, 2021For the first new blog post since our blog and domain name were recovered, I figured it was only appropriate to re-christen the blog with our popular quarterly “cheat sheet” of the top non-index mutual funds in U.S. 401(k) plans. … Continue reading →investsense
- “Humble Arithmetic,” Prudence, and Successful Investing – 2019 December 2, 2019Facts do not cease to exist because they are ignored. – Aldous Huxley In 2005, the late John Bogle, of Vanguard fame, spoke at the 60th anniversary conference of the Financial Analysts Journal. Mr. Bogle’s presentation, entitled “The Relentless Rules … Continue reading →investsense
- Full Disclosure: The Art of Reading and Interpreting Mutual Fund Ads November 26, 2019One of the most frequent questions I receive is how to effectively read and interpret mutual fund advertisements. I receive this question not only from individual investors, but from professional investment fiduciaries, such as pension plan sponsors, and securities/ERISA attorneys. … Continue reading →investsense
- Investor, Protect Thyself: The InvestSense Investor Self-Defense Strategy October 15, 2019During his term as Chairman of the Securities and Exchange Commission (SEC).(1993-2001), Arthur Levitt focused more on investor protection than perhaps any other recent SEC Chairman. His advice from a1999 speech, “Financial Self-Defense: Tips From and SEC Insider,” is still … Continue reading →investsense
- Investopedia Top 100 Most Influential Financial Advisor Honor August 15, 2019Honored to be named by Investopedia as one of the Top 100 Financial Advisors for 2019. Unlike a lot of other “top” lists, Investopedia bases its selection largely on criteria such as contributions to online media to educate investors on … Continue reading →investsense
- One Step to Building More Effective, and Safer, Investment Portfolios July 27, 2019What is the first factor an investor or investment fiduciary, such as a pension plan sponsor, should consider in evaluating an actively managed mutual? Most people’s answer would probably be a fund’s returns or the number of Morningstar “stars” given … Continue reading →investsense
- CommonSense InvestSense About…Returns July 20, 2019As an attorney that specializes in wealth management/preservation and asset protection, I often see investors who have suffered unnecessary financial losses due to poorly designed and/or poorly managed investment portfolios. This is especially troubling, for as legendary investment expert Benjamin … Continue reading →investsense
- Sound Investment Advice from Jack Bogle…Again May 5, 2019Why write anything? Mr. Bogle says it all. https://www.yahoo.com/finance/news/vanguard-founder-jack-bogle-apos-194408395.htmlinvestsense
- REAL Wealth Management 2019 – Wealth Distributions and Transfers April 13, 2019Today, we address what I consider to be the third aspect of a genuine wealth management program – distributions and transfers of one’s assets. Distribution encompasses both transfers made while one is living, inter vivos transfers, and transfers made after … Continue reading →investsense
- Cost-Efficiency and Common Sense: Simple Factors in Improving the Accumulation and Preservation of Wealth January 29, 2021
Monthly Archives: March 2016
Outing “closet index” funds
Canada is finally investigating the issue of recommendations and sales of “closet index” funds. The same problem exists in the U.S., but don’t hold your breath expecting U.S. regulators to address the problem. A closet index fund is also referred to … Continue reading
Posted in Asset Protection, ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Fraud, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Fiduciary, investing, investment advice, investment advisors, investment portfolios, investments, investor protection, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, wealth management, wealth preservation
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More Warnings About Stable Value Funds
Another excellent article highlighting the issues regarding stable value funds and fundamental fairness issues re windfall profits often taken by SVF issuers. http://www.morningstar.com/advisor/t/67716370/stable-value-funds-a-disclosure-dilemma.htm
Posted in ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Portfolios, pension plans, Portfolio Construction, portfolio planning, Retirement, Retirement Plan Participants, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, investment advice, investment portfolios, retirement plan participants, wealth management, wealth preservation
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Those “Great” Stable Value Funds Exposed
So many 401(k) plans and plan participants have fallen in love with these products without truly understanding how they work, especially how they can benefit the companies offering them at the plan participant’s expense. This Morningstar article by Scott Simon … Continue reading
Posted in Common Sense, ERISA, Fiduciary, Investment Advice, Investment Fraud, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Retirement, Retirement Plan Participants, Retirement Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Fiduciary, financial planning, investing, investment advice, investment advisors, investment portfolios, investment scams, investments, investor protection, Pension Planning, portfolio construction, retirement plan participants, retirement planning, wealth management, wealth preservation
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This Investment Is Up 7.11% Year to Date (3-3-2016)
Subscribers to this blog know that I subscribe to Charles Ellis’ philosophy that properly practiced, wealth management is not about the management of returns, but rather the informed management of investment risk. That’s not to say that investors should ignore … Continue reading
Posted in Common Sense, Investment Advice, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged Advice, asset protection, financial planning, investing, investment advice, investment portfolios, investments, portfolio construction, wealth management, wealth preservation
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