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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
- At What Cost?: Annuities, Cryptocurrency, and 401(k) Plans
- “CommonSense InvestSense”- Simplifying Prudent Investing with the Active Management Value Ratio™
- “At What Cost” – Annuities and Cryptocurrency vs. Wealth Preservation and Investor Protection
- “The Lie of the Pie” – Mutual Fund Marketing “Trickeration”
- Upon Further Review-Rethinking the Investment Decision-Making Process
- The Active Management Value Ratio™ 3.0: Investment Returns and Wealth Preservation for Investors and Fiduciaries
- 1Q 2022 AMVR “Cheat Sheets”
- 4Q 2021 AMVR “Cheat Sheet”
- The Dangers of “Black Box” Financial Planning/Plans
Category Archives: Uncategorized
1+1=34: A Step-by-Step Guide to Wealth Management and Preservation Using the Active Management Value Ratio
In 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
Posted in 401k, Active Management Value Ratio, AMVR, Best Interests, Consumer Protection, cost efficient investing, cost-effficiency, ERISA, Fiduciary, fiduciary prudence, fiduciary responsibility, Fiduciary Standard, investing, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, investments, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged Active Management Value Ratio, costefficiency, costinefficiency, investing, investment advice, investment portfolios, investments, investor protection, portfolio construction, retirement planning, wealth management, wealth preservation
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At What Cost?: Annuities, Cryptocurrency, and 401(k) Plans
For many people, their 401(k) or 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 … Continue reading
Posted in 401k, Active Management Value Ratio, AMVR, Consumer Protection, cost efficient investing, cost-effficiency, Equity Indexed Annuities, ERISA, Estate Planning, Fiduciary, fiduciary prudence, fiduciary responsibility, Fixed Indexed Annuities, investing, Investment Advice, Investment Fraud, investments, Investor Protection, pension plans, plan sponsor, Portfolio Construction, portfolio planning, Retirement, Retirement Plan Participants, retirement readiness, Uncategorized, Variable Annuities, Variable Annuity Abuse, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, 403b, 403b investing, investing, investment advice, investment portfolios, investments, investor protection, plan sponsor, portfolio construction, Retirement, retirement plan participants, retirement planning, retirement readiness, wealth management, wealth preservation
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“CommonSense InvestSense”- Simplifying Prudent Investing with the Active Management Value Ratio™
Numerous 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
Posted in Active Management Value Ratio, AMVR, Consumer Protection, cost efficient investing, cost-effficiency, financial planning, investing, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, investments, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Uncategorized, Wealth Accumulation, Wealth Distribution, Wealth Management, Wealth Preservation
Tagged financial planning, investing, investment advice, investment portfolios, investments, investor protection, portfolio construction, wealth management, wealth preservation
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“At What Cost” – Annuities and Cryptocurrency vs. Wealth Preservation and Investor Protection
Annuity 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
Posted in Uncategorized
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4Q 2021 AMVR “Cheat Sheet”
At 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
Posted in Active Management Value Ratio, AMVR, Consumer Protection, cost efficient investing, cost-effficiency, DOL fiduciary rule, ERISA, Fiduciary, fiduciary prudence, fiduciary responsibility, Fiduciary Standard, financial planning, Portfolio Construction, portfolio planning, Retirement Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged Active Management Value Ratio, costefficiency, fiduciary liability, fiduciary prudence, fiduciary responsibility, investing, investment advice, investment portfolios, investments, investor protection, portfolio construction, retirement planning, wealth management, wealth preservation
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3Q 2021 Top Ten 401(k) AMVR “Cheat Sheet”
Posted on October 3, 2021 by jwatkins When InvestSense prepares a forensic analysis for a 401(k)/403(b) pension plan, a trust, an attorney, or an institutional client, we always do an analysis over five and ten-year time periods to analyze the … Continue reading
Posted in 401k, Active Management Value Ratio, Closet Index Funds, cost-effficiency, ERISA, Fiduciary, fiduciary prudence, fiduciary responsibility, Uncategorized, Wealth Accumulation, Wealth Preservation
Tagged 401k, fiduciary liability, fiduciary prudence, fiduciary responsibility, plansponsor
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Recent AMVR Twitter and LinkedIn post
While the DOL (“fiduciary”) and the SEC (“best interest”) debate their applicable standards, I suggest that cost-efficiency should be a key factor in whatever they decide. Even former SEC chairman Jay Clayton discussed the importance of cost-efficiency re “best interest.” … Continue reading
Posted in Uncategorized
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“‘Why’ – Investor Protection Made Simple”
=One of the most rewarding aspects of writing this blog and my books is when someone contacts you and thanks you for the information and advice that you provide. I recently had someone write and tell me that they have … Continue reading
REAL Wealth Management 2021 – Wealth Distributions and Transfers
Today, 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
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