CommonSense InvestSense
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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”
Tag Archives: Pensions
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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Investor, Protect Thyself: The InvestSense Investor Self-Defense Strategy
During 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
Posted in Absolute Returns, Active Management Value Ratio, AMVR, Closet Index Funds, Consumer Protection, Consumer Rights, ERISA, Estate Planning, Fiduciary, Fiduciary Standard, Integrated Estate Planning, Investment Advice, Investment Advisors, Investment Fraud, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Retirement, Retirement Distribution Planning, Retirement Plan Participants, Retirement Planning, Uncategorized, Wealth Accumulation, Wealth Distribution, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Active Management Value Ratio, Advice, asset protection, Closet Index Funds, Consumer Protection, estate planning, Fiduciary, financial planning, integrated estate planning, investing, investment advice, investment portfolios, investments, investor protection, Pensions, portfolio construction, retirement distribution planning, stockbrokers, wealth distribution, wealth management, wealth preservation
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One Step to Building More Effective, and Safer, Investment Portfolios
What 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
Posted in Closet Index Funds, ERISA, Fiduciary, pension plans, portfolio planning, Portfolio Planning, Retirement, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k Investing, Closet Index Funds, Consumer Protection, Fiduciary, investing, investment advice, investment advisors, investment portfolios, investments, InvestSense, Pensions, portfolio construction, retirement planning, wealth management, wealth preservation
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Are Your 401(k) Plan’s Mutual Funds Legally Prudent?
“You get what you don’t pay for.” – John Bogle Full Disclosure and Total Transparency: I am an attorney. More specifically, I am a wealth preservation attorney and a plaintiff’s securities/ERISA attorney. I primarily offer forensic litigation and consulting services … Continue reading
Posted in Active Management Value Ratio, AMVR, Closet Index Funds, Consumer Protection, Consumer Rights, ERISA, Fiduciary, Fiduciary Standard, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, 403(b), abusive practices, Active Management Value Ratio, Closet Index Funds, Consumer Protection, ERISA, Fiduciary, investing, investment advice, investment advisors, investment portfolios, investments, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, stockbrokers, 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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The Investor Revolution: A “Best Interests” Checklist for Investors and Fiduciaries
The DOL recently announced that it will not seek to delay the effective date of the department’s new fiduciary law. Beginning June 9, 2017, anyone providing advice to pension plans and plan participants will be deemed to be a fiduciary, … Continue reading
Posted in Best Interests, Closet Index Funds, Common Sense, Consumer Protection, Consumer Rights, DOL fiduciary rule, ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, 403(b), Active Management Value Ratio, Advice, Best Interests, Closet Index Funds, Consumer Protection, DOL fiduciary rule, ERISA, Fiduciary, investing, investment advisors, investment portfolios, investments, investor protection, IRAs, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, stockbrokers, wealth management, wealth preservation
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Controlling the Controllable: Factoring Investment Costs Into the Prudence/Suitability Equation
Facts do not cease to exist because they are ignored. – Aldous Huxley In an earlier post, I discussed the benefits of controlling the controllable aspects of investing. Investors cannot control the performance of the markets. Investment fiduciaries are not … Continue reading
Posted in Asset Protection, Closet Index Funds, Fiduciary, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Active Management Value Ratio, Advice, Closet Index Funds, Fiduciary, investing, investment advisors, investment portfolios, investments, investor protection, IRAs, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, wealth management, wealth preservation
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3 Key (But Often Overlooked) Mutual Fund Return Statistics
Anyone who knows me knows that the minute I see a “Top” or “Best” list with regards to financial advisers or investments, I immediately want to do a detailed forensic analysis to substantiate or disprove such claims. As a plaintiff’s … Continue reading
Posted in Absolute Returns, Asset Protection, Closet Index Funds, Common Sense, Consumer Protection, ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Fraud, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Wealth Accumulation, Wealth Preservation
Tagged 401k, 401k Investing, Absolute Returns, Advice, asset protection, Closet Index Funds, Consumer Protection, Fiduciary, financial interests, investing, investment advice, investment advisors, investment portfolios, investments, investor protection, InvestSense, IRAs, Pension Planning, Pensions, portfolio construction, retirement distribution planning, retirement plan participants, retirement planning, wealth management, wealth preservation
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Is Your 401(k) or 403(b) Really Protecting Your Best Interests?
Facts do not cease to exist because they are ignored. Aldous Huxley I have seen a number of articles recently online and in the trade publication I receive talking about “retirement readiness,”how to better prepare a plan’s participants for a … Continue reading
Posted in Common Sense, ERISA, Fiduciary, Investment Advice, Investment Portfolios, Investor Protection, IRA, 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, Active Management Value Ratio, Fiduciary, financial planning, investing, investment advice, investment advisors, investment portfolios, investments, investor protection, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, wealth management
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CommonSense InvestSense 