The Simple Truth (Blog)

Welcome to a place that is free from the bias of Wall Street. A blog devoted to providing information that gives you the very best chance for success. Where we pull back the curtains to reveal what really matters. Where you can find answers, without getting a hidden agenda in return.

Rebalance to Manage Risk

In a recent The New York Times article, we shared our perspective that rebalancing serves an essential purpose – to manage risk. That doesn’t mean it’s easy. Buying low and selling high seems counterintuitive, but the reward for adopting this disciplined approach? Lower risk and potentially higher returns.

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Wade or Plunge?

The evidence is clear – to maximize the long-term investment outcome of your portfolio, it’s best to get fully invested immediately. For those who just can’t bring themselves to plunge, our research suggests there’s an optimal way to wade.

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Equifax: Protecting Your Identity

You have likely been made aware of the unfortunate news hackers have accessed the personal data of over 100 million people through Equifax, one of the world’s largest credit reporting agencies. We recommend taking the following precautions to protect your security and identity.

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Don’t Worry, Be Happy

There’s a famous saying in Tibet: If a problem can be solved, there is no use worrying about it. If it can’t be solved, worrying will do no good. The same can be said of investing.

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The Stupidest Thing You Can Do With Your Money

It’s hard enough to save for a house, tuition or retirement. So why are so many Americans willing to pay big fees for subpar investment returns? In this Freakonomics podcast, experts explore the flaws of active investing and the superiority of the low-cost index fund.

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Odds Overwhelmingly Favor Diversification Over Stock Selection

Investors are always looking to find the next Amazon, but is trying find the next “superstock” worthwhile? New research from Professor Hendrik Bessembinder shows that most U.S. stocks don’t beat Treasury Bonds and that searching for the next superstock is likely to end in disappointment. To capture top performers and harness stocks’ power for growth, diversification is key.

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What is Disability Insurance?

A disability insurance policy provides income protection in the case of disability or illness. Most people insure their home, car, health and life, yet many neglect to insure their earning power, or human capital. The odds of suffering a long-term disability is several times greater than the odds of death. The average 40-year-old has a 45 percent chance of becoming disabled for three months or longer before reaching age 65.

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