Channeling some Lizzo here: "It’s about damn time!". Non-compete, especially without garden pay is just plain exploitative. ?

A balanced discussion by Larry Swedroe (love his quant analyses) on the pros and cons of allowing private investments in 401k’s. I personally prefer more options and think it’s unfortunate that many retails investors can’t even ac…

"Its tough to make predictions, especially about the future"  - Yogi Berra. 2022 was not a good year for financial markets. What happened?. The consensus view that inflation would be transitionary proved to be disastrously wrong. Central banks had to ti…

Everyone wants to do better than average (me too!). Lots of professional money managers claim they do better than average**. The results say otherwise. Most active managers underperform each year, that is they do worse than the “average” index fund.…

Solid analysis (as always!) from RA on the history of inflationary peaks, plateaus, and the journey from one to the other. Relevant quote IMO from the analysis:.“Given the recent US inflation rate, which has been above 6% for the…

The duel between markets and the Federal Reserve has begun!. Forget Volcker, Powell seems to be channeling Eminem …. 😉 😀 . #federalreserve #monetarypolicy #keepingatit

Stocks down, Bonds down, Crypto down. Where’s all the action?.Legos! 🚀 . Now that’s something my boy can get behind! 😂

Markets don’t see what Central Bankers see. After decades of being hooked on easy money, withdrawal will be painful. The question is if Powell and Co. can “keep at it” in the face of apoplectic market participants. It will be an interesting battle fo…

Love Jason Zweig's piece in the WSJ on inflation protection ( Link below). One overlooked way to passively protect against inflation?. Commercial multifamily syndications. Here are three opinionated :) reasons why this asset class doesn't get as much a…

“Stock markets have predicted nine out of the last five recessions” - Paul Samuelson. How true is that? Pretty on the nose in my opinion. The last column shows the cumulative performance of the S&P500 six months prior to a recession. No discernible patt…

For those doling out (and getting paid) for financial advice, this should be a must!

I was first introduced to the idea of a demographic dividend, when I first read Nandan Nilekani’s ‘Imagining India’ over a decade ago. As with all fast growing economies, there will be challenges, but I am excited about the prospects. From the article…

Remarkably home prices grew at even faster pace post pandemic than during the speculative boom in 2006. But after a record increase in mortgage rates, the bloom is definitely coming off the rose. Will be interesting to see the le…

Powell prepared to pause, panic stock buying ensued. Meanwhile, an inverted yield curve is still signaling a recession (It’s a forecast, not a certainty). The consensus view seems to be that supply side issues will ease inflatio…

A balanced discussion on the pros and cons of tax loss harvesting. Many studies conveniently assume all clients have unlimited short-term gains to offset those realizes losses. Simply not true. Another observation from reading thi…

Happy to share that I have received a Certificate in ESG investing from the CFA institute. ESG (using Environmental, Social and Governance factors) Investing gets a bad rap in some corners. This is often because disingenuous firms have tried (and conti…

, the only place you can test your tax loss harvesting assumptions has been updated to include October 2022 numbers

I have a whole compendium of Rogers quotes! Sharing one of my favorites. I use this to remind myself that its not always the goal, but the journey that matters.

Good point brought up in this article:.Even though a mutual fund has losses this year doesn't mean as an investor you wouldn't get taxable gains -- in fact in down years like this, mutual funds might have to sell positions to meet…

Survey says . 'Less than 12% of advisors are very familiar with direct indexing'. Despite the billions spent on acquisitions and marketing, there's lots more work to do in terms of rolling this investment product out to the…