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The Smarter Investor

January 2013


Don't Fight the Central Bank Rally

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After the financial and economic disruptions and political shenanigans of the past several years, I suppose nothing should surprise us. I was nevertheless thrown a bit when headlines began appearing suggesting that the U.S. government could circumvent the statutory limit on Treasury debt by minting ...

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TAGS:
investing
mutual funds

What is Interest Rate Risk?

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With interest rates at record lows, the real interest rate risk is that rates will rise, causing the value of all sorts of bonds and bond funds to fall. Interest rates and bond prices move in opposite directions. All else being equal, when interest rates rise, the value of a bond falls in value.

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TAGS:
investing
mutual funds

How to 'Dedupe' Your Mutual Funds

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When I ran a software development company, the search term that landed us the most website traffic was “dedupe iTunes.” People who had two copies of, for example, Justin Bieber’s “Baby,” didn’t need the extra copy, and my partner had written a simple script to remove the extra copy, freeing up ...

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TAGS:
investing
mutual funds

ETFs vs. Mutual Funds: Which is Better?

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In one corner with over $9 trillion in assets is the experienced, long-standing heavyweight champion of the investment world: Mutual funds. In the other, with over $1 trillion in assets, is the young and nimble, undefeated rival: Exchange-traded funds, or ETFs. Both competitors are vying for your ...

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TAGS:
investing
mutual funds

Why Financial Planning Matters

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Over the past couple of years I’ve written a number of pieces for advocating the need for a financial plan. As we go forward in 2013 the need, in my opinion, has never been greater. The economy is in flux and there is much uncertainty over the direction of the markets (sounds familiar huh?). We are ...

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TAGS:
investing
mutual funds

Post-Cliff Financial Plans for 2013

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It’s 2013. The world did not end in December and our “leaders” in Washington seem to have averted the fiscal cliff, at least for now. Against this backdrop there are a number of financial planning opportunities for this new year.

Some opportunities born out of the bill passed by the House and the ...

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TAGS:
investing
mutual funds