CommonSense InvestSense
CommonSense InvestSense
- InvestSense 101: Assets Under Management…or Mismanagement? – Separating Fact From Fiction
- Battle of the Best Interests: Why the Financial Services Industry Opposes a True Fiduciary Standard and Genuine Investor Protection
- 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”
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Tag Archives: investment losses
Full Disclosure: The Art of Reading and Interpreting Mutual Fund Ads
One 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
Posted in Active Management Value Ratio, AMVR, Asset Protection, Best Interest Proposal, Best Interests, Consumer Protection, ERISA, Fiduciary, Investment Advice, Investment Advisors, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, 403(b), abusive practices, Active Management Value Ratio, Advice, asset protection, Closet Index Funds, Consumer Protection, ERISA, Fiduciary, investing, investment advice, investment advisors, investment losses, investment portfolios, investments, investor protection, IRAs, Pension Planning, Pensions, portfolio construction, retirement plan participants, stockbrokers, wealth management, wealth preservation
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CommonSense InvestSense About…Returns
As 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
Posted in Closet Index Funds, Consumer Protection, Investment Advice, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged Closet Index Funds, Consumer Protection, financial planning, investing, investment advice, investment losses, investment portfolios, investments, investor protection, portfolio construction, wealth management, wealth preservation
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The “Secret” Morningstar
I love Morningstar. It is my primary research source. I enjoy the posts of their columnists. But unlike most investors who use Morningstar, I basically ignore their legendary “star” system. Morningstar itself has told investors that their star system is … Continue reading
Posted in Active Management Value Ratio, AMVR, Asset Protection, Closet Index Funds, Common Sense, Consumer Protection, Fiduciary, Fiduciary Standard, Investment Advice, Investment Advisors, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged Active Management Value Ratio, asset protection, Closet Index Funds, Consumer Protection, investing, investment advice, investment advisors, investment losses, investment portfolios, investment scams, investments, investor protection, InvestSense, wealth management, wealth preservation
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1+1=33%, or the Myth of the 1% Annual Investment Fee
This post is going to be short and sweet, as I keep getting calls and emails from people who wonder why their portfolios are not performing as well as they think they should. In most cases, their portfolios are the … Continue reading
Posted in Active Management Value Ratio, AMVR, Asset Protection, Closet Index Funds, Fiduciary, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Retirement, Retirement Plan Participants, Retirement Planning, Uncategorized, Variable Annuities, Variable Annuity Abuse, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Active Management Value Ratio, asset protection, Closet Index Funds, Consumer Protection, Fiduciary, financial planning, investing, investment advice, investment advisors, investment losses, portfolio construction, retirement plan participants, variable annuities, variable annuity abuse, wealth management, wealth preservation
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The Active Management Value Ratio™ 3.0: Investment Returns and Wealth Preservation for Investors and Fiduciaries
Studies 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
Posted in Closet Index Funds, Consumer Protection, DOL fiduciary rule, ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Retirement Plan Participants, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, Active Management Value Ratio, Advice, asset protection, Closet Index Funds, Consumer Protection, ERISA, Fiduciary, investing, investment advice, investment advisors, investment losses, investment portfolios, investments, investor protection, Pensions, portfolio construction, retirement plan participants, wealth management, wealth preservation
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Wealth Preservation and Retirement Accounts
When I tell people that I am a wealth preservation attorney, they often respond by saying that they do not have enough money to need such services. Then I ask them whether they have a 401(k) account, an IRA or … Continue reading
Posted in Best Interests, Closet Index Funds, Consumer Protection, Estate Planning, Integrated Estate Planning, Investment Portfolios, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, Active Management Value Ratio, Closet Index Funds, Consumer Protection, financial interests, financial planning, integrated estate planning, investing, investment losses, investment portfolios, investments, IRAs, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, wealth management, wealth preservation
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Special Report: Empowering Teachers for Retirement Readiness
Let’s get straight to the point – teachers at all levels have gotten, and continue to get, inequitable treatment when it comes to options to allow them to become “retirement ready.” My sister-in-law was an assistant principal in a local … Continue reading
Posted in Asset Protection, ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Retirement, Retirement Plan Participants, Retirement Planning, Variable Annuities, Variable Annuity Abuse, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, 403(b), 457(b), abusive practices, Active Management Value Ratio, Closet Index Funds, Fiduciary, financial planning, investing, investment advice, investment advisors, investment losses, investment portfolios, investor protection, Pension Planning, portfolio construction, retirement plan participants, retirement planning, teachers, variable annuities, variable annuity abuse, wealth management, wealth preservation
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Three Return “Secrets” to Improved Investment Performance: Interpreting Investment Returns
A 2007 study by Schwab Institutional estimated that approximately 75 percent of investor accounts they studied were unsuitable as being inconsistent with either an investor’s financial goals or financial needs. While one might expect widespread denial of the study’s findings, … Continue reading
Posted in Absolute Returns, Closet Index Funds, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged Absolute Returns, Active Management Value Ratio, Advice, Closet Index Funds, financial interests, financial planning, investing, investment advice, investment advisors, investment losses, investment portfolios, investor protection, portfolio construction, stockbrokers, wealth management, wealth preservation
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3 Things Every 401(k) Participant and Plan Sponsor Should Know – 2017
As a wealth preservation attorney, one of the primary issues I address is the quality of a client’s investment portfolio. Far too often I see excellent estate planning strategies sabotaged by horribly unsuitable investment portfolios. Since many estate planning strategies … Continue reading
Posted in ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, Active Management Value Ratio, asset protection, Fiduciary, financial planning, investing, investment advice, investment losses, investment portfolios, investments, investor protection, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, stockbrokers, wealth management, wealth preservation
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God Bless Charles Ellis
I am often asked what I feel is the best investment book for investors and what one piece of advice I would give investors. Fortunately, the answer to both is the same – read “Winning the Loser’s Game” by Charles … Continue reading
Posted in Asset Protection, ERISA, Fiduciary, Investment Advice, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Active Management Value Ratio, Advice, asset protection, Fiduciary, financial planning, investing, investment advice, investment advisors, investment losses, investment portfolios, investments, investor protection, InvestSense, IRAs, Pension Planning, portfolio construction, retirement plan participants, retirement planning, stockbrokers, wealth management, wealth preservation
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