Rule of half

All markets are at *all* time highs. What is an average investor to do? Is it too late to get in? Is it time to take profits if you are fully invested? In the last 15 years there have been two spectacular crashes, the hard memories still linger, which makes these decisions even more gut […]

529 Plans – Are they worth it?

One of the biggest expenses to hit households is college education for their kids. 529 plans are the most common vehicle available for parents to save for their kids education. Via the SEC A 529 plan is a tax-advantaged savings plan designed to encourage saving for future college costs. 529 plans, legally known as “qualified […]

Some truths for the individual investor Part 2

In a previous post there was tough love, lets move on to happier things, what are the things that are going well for the individual investor? Indexing Index funds are pretty prevalent and everybody knows about them. Indexing  leads to lower fees and fees are the biggest killer of your portfolio. Lower the fees, less […]

What is your personal capital structure?

If you ever talk to MBA’s (especially those into finance) you will hear them wax eloquent about a company’s capital structure. Capital structure is nothing but how a firm finances itself. Firms need money to operate. How do they get that money? They have a couple of choices – just rely on the profit they […]