CommonSense InvestSense
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CommonSense 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
- 3Q 2021 Top Ten 401(k) AMVR “Cheat Sheet” October 3, 2021Posted 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 →investsense
- Remembering David Swensen: “The Mutual Fund Merry-Go-Round” September 14, 2021The late David Swensen was the well-known Chief Investment Officer of Yale University. He was also an outspoken advocate for investor protection. While performing some research for a brief, I ran across this op-ed, “The Mutual Fund Merry-Go-Round,” that David … Continue reading →investsense
- Recent AMVR Twitter and LinkedIn post July 28, 2021While 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 →investsense
- New InvestSense video: “The Active Management Value Ratio 4.0: What Investors and Investment Fiduciaries REALLY Need to Know About Wealth Accumulation and Preservation” July 21, 2021 investsense
- “‘Why’ – Investor Protection Made Simple” July 1, 2021=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 →investsense
- Upon Further Review-Rethinking the Investment Decision-Making Process April 26, 2022
Tag Archives: black box investment fraud
The Power of the Informed Investor
“Your account is a brokerage account and not an advisory account. Our interests may not always be the same as yours. Please ask us questions to make sure you under-stand your rights and our obligations to you, including the extent … Continue reading
Posted in Fiduciary, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, Variable Annuities, Variable Annuity Abuse, Wealth Management, Wealth Preservation
Tagged abusive practices, asset protection, black box investment fraud, Fiduciary, financial interests, investing, investment advice, investment advisors, investment losses, investments, investor protection, stockbrokers, 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™”…Account Management
“Don’t gamble. Take all your savings and buy some good stock and hold it ’til it goes up then sell it. If it don’t go up, don’t buy it. Will Rogers If only it were that easy. While no one … Continue reading
Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, Portfolio Construction, Retirement, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k Investing, abusive practices, Active Management Value Ratio, asset protection, black box investment fraud, Closet Index Funds, financial planning, investing, investment advice, investment advisors, investment losses, investment portfolios, investment scams, investments, investor protection, InvestSense, portfolio construction, retirement planning, wealth distribution, wealth management, wealth preservation
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Wealth Preservation Saboteurs
“Get what you can and keep what you have; that’s the way to get rich.” Scottish Proverb In a series of earlier posts, I discussed the three planning areas that I believe constitute real wealth management – wealth accumulation, wealth … Continue reading
Posted in Asset Protection, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Distribution Planning, Retirement Plan Participants, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, asset protection, black box investment fraud, financial planning, investing, investment portfolios, investments, investor protection, InvestSense, Pension Planning, portfolio construction, retirement plan participants, retirement planning, wealth preservation
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REAL Wealth Management 2019- Preservation
When I tell people that I am a wealth preservation attorney, I often get the obligatory inquisitive look, followed by “what’s that” question. In my law practice, wealth preservation law covers several areas of the law, primarily wealth management, tax … Continue reading
Posted in Asset Protection, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement Planning, Wealth Management, Wealth Preservation
Tagged asset protection, black box investment fraud, financial planning, investing, investment losses, investment portfolios, investment scams, investments, investor protection, InvestSense, portfolio construction, wealth management, wealth preservation, wealth recovery
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Sunlight Is the Best Disinfectant
A previous InvestSense white paper discussed one question every investor should ask their financial advisers whenever investment recommendations are provided-“Why?” The new InvestSense white paper, “Sunlight Is the Best Disinfectant,” provides nineteen more questions that investors should ask to better … Continue reading
Posted in Asset Protection, Investment Portfolios, Investor Protection, portfolio planning, Retirement Plan Participants, Wealth Preservation
Tagged asset protection, black box investment fraud, financial interests, financial planning, investing, investment portfolios, investor protection, wealth management, wealth preservation
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Bigger Than Madoff?
The new InvestSense white paper, “Dirty Little Secrets: Protecting Investors and Fiduciaries Against ‘Black Box’ Investment Fraud,” provides information and advice on how to avoid the often subtle and overlooked problem of “black box” asset allocation/ portfolio optimization plans. Based … Continue reading
Posted in Asset Protection, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Retirement Plan Participants, Wealth Preservation
Tagged abusive practices, asset protection, black box investment fraud, financial planning, investing, investment losses, investment portfolios, investments, investor protection, InvestSense, portfolio construction, retirement planning, wealth management, wealth preservation
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CommonSense InvestSense 