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Pessimism Abounds

by Ashby Daniels, CFP®

With the hyper-partisan election in front of us and the COVID-inspired economic drawdown in our rearview, I find myself returning over and over again to the same question: “Is it possible that we are both too pessimistic in the short-term and too pessimistic about the long-term prospects of the market?” I’m not saying that we are, I’m just asking the question of whether it’s possible? Since 2008, I can think… Read More

Filed Under: Investing

The Best “Annuity” You Can Buy in Your 60s

by Ashby Daniels, CFP®

Most retirees are all about getting the most “bang for their buck” in every facet of life. We all are. It would be hard to get more bang for your buck than by delaying Social Security by even just one year. Before you click away from another delay Social Security piece, hang with me as I’d be surprised if you have thought about it in quite this way before. That… Read More

Filed Under: Annuities, Social Security

Should You Overweight Tech in Your Portfolio?

by Ashby Daniels, CFP®

A couple of weeks ago, Apple “lost” $179 Billion in market cap in a single day. It has gone on to lose over $500 billion in market cap over the past few weeks. As I write this, Apple is valued at about $1.9 Trillion. I have heard people asking the question, “Should I just own tech since that is so obviously the future?” At the very least, more people are… Read More

Filed Under: Investing, Passive Investing

How I Invest My Money

by Ashby Daniels, CFP®

*There is a book being released on November 17, 2020 that I believe will be one of the best finance books of the year. The book is titled: “How I Invest My Money: Finance Experts Reveal How They Save, Spend and Invest.” It was brilliantly put together by Joshua Brown and Brian Portnoy and each contribution includes a beautiful illustration from Carl Richards. I am thankful I was asked to… Read More

Filed Under: Investing, Passive Investing

Politics Don’t Matter…to Your Portfolio

by Ashby Daniels, CFP®

It is safe to say that politics are a touchy subject. It’s made even more touchy by the extremists on both sides who think that anyone taking an opposing view are beyond incompetent. These people color the waters of the more moderate (and level-headed) middle. Politics are personal though. What I have observed over the past four election cycles is the intersection of politics and investing. It’s what I want… Read More

Filed Under: Investing

Should You Expect Dividend Cuts?

by Ashby Daniels, CFP®

The predictions for dividend cuts sounded dire for quite some time. Many were predicting cuts of between 20%-30% here in the U.S. The jury is still out for now, but it doesn’t seem as likely based on what the data has shown thus far from Janus Henderson in their Global Dividend Index report. Here is their record of dividend cuts with regard to global dividends: Global dividends fell $108.1bn to… Read More

Filed Under: Dividend Growth Investing, Investing, Retirement Income Planning

The Last Word on Bonds…For Now

by Ashby Daniels, CFP®

In Howard Marks latest memo, Time for Thinking, he makes the following observation: Lower interest rates increase the discounted present value of future cash flows and reduce the a priori return demanded from every investment. In layman’s terms, when the fed funds rate is zero, 6% bonds look like a giveaway, so buyers bid them up until they yield less (thus I believe 97% of outstanding bonds yield less than… Read More

Filed Under: Bonds, Fixed Income, Investing

Rethinking Investment Risk in Retirement

by Ashby Daniels, CFP®

Investors love to talk about risk. What’s the downside risk? How can you hedge your risk? How can I evaluate the risks in my portfolio? Should we address investment risk in retirement the same as during the accumulation phase? What about my personal risk tolerance? These days, risk tolerance questionnaires are all the rage and there are companies springing up out of nowhere trying to cash in on this CYA… Read More

Filed Under: Investing, Retirement Income Planning

IRA Mistakes Retirees Make

by Ashby Daniels, CFP®

According to the Investment Company Institute as of March 31, 2020, there were approximately $9.5 trillion in IRA assets. Given the sheer volume of Americans that own an IRA combined with the complicated IRS tax code that accompanies them, there are plenty of ways to trip yourself up when it comes to IRA planning throughout your life. In this article, we focus on the IRA mistakes I see most from… Read More

Filed Under: Financial Planning, Investing, IRAs

Is this the last hurrah for bonds?

by Ashby Daniels, CFP®

Recently, I have written quite a bit about the long-term return expectations for investing in bonds. See here, here, here and here. Spoiler alert: I don’t think it’s good. But long-term bonds this year have been quite an amazing story as the COVID pandemic has caused the Fed to take historically monumental actions. As a result, we’ve watched long-term Treasuries tear the roof off the market. For instance, a 20+… Read More

Filed Under: Bonds, Fixed Income, Investing

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