Insights

Our insights into Divestment, Markets, Investing, and much more. 

Investor Commentary Q3 2020


Investor Commentary Q3 2020 “What’s Past is Prologue” –William Shakespeare, The TempestLast quarter was remarkable in that it marked the time when we succeeded in recovering the pandemic-related losses.  While September was lackadaisical, July and August rewarded our Q2 rebalancing effort.  The reason the market rallied had to do with massive amounts of cash sitting

The Investment Advisor’s Perspective on Common ESG Investment Mistakes


It’s hard to invest intelligently while simultaneously adhering to your values. When navigating this landscape we often have to choose between the benefits of a well-diversified portfolio and the commitment to environmental awareness.

How to Boost Your Portfolio Yield Like A Pro


Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments.

Investor Commentary Q2 2020


Investor Commentary Q2 2020 And you may ask yourself: “Well, how did I get here?” –Talking Heads, “Once in a Lifetime” An investor who fell asleep from New Year’s Eve to Independence Day, would awake wondering if they were still dreaming:The S&P 500 and her portfolio values were almost unchanged from the end of 2019, which

Five Investment Strategies If You Plan to Retire Soon


Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments.

5 Things Medical Plan Sponsors Should Consider Doing with Your 401(k) Right Now


The current market climate presents a unique opportunity for medical plan sponsors, specifically those where the owners of the practice also own 50% or more of the plan assets.

5 Great Ways to turn the pandemic into financial progress


5 Great Ways To Turn the Pandemic Into Financial Progress We are often asked, “Will investors see a V-shaped or a U-shaped recovery from the measures taken in response to Covid-19?” While this answer changes our short-term plans, it assumes we will eventually recover from this pandemic. Long term investors face a different and more

What you need to know about 529 plans


What You Need to Know About 529 Plans There is no better building block than the 529 plan for parents trying to save for their children’s future.  These tax free savings vehicles are flexible, effective ways to invest funds for college savings. They are offered by many states and each plan has subtle differences that

What You Need to Know About Investing in the Market of Coronavirus


What You Need to Know about Investing in the Market of Coronavirus Coronavirus has been hitting the stock market hard, causing the fear of a recession or financial crisis similar to what we had seen in 2008. Like the 2008 financial crisis, many investors are suffering from the dramatic downturn of the market. This is

Why do investors get below-average returns on their savings?


Why do investors get below-average returns on their savings? Why do most investors get below-average returns on their savings? Between 1995 and 2015, the S&P 500 averaged a return of 9.85% per year, according to Dalbar Inc research. Over the same period, the average equities market investor returned only 5.19% per year. Why? The big-picture answer is “humans

Ahead of earnings season, have private markets become over-valued?


Ahead of earnings season, have private markets become over-valued? Ahead of earnings season, keep this in mind Public markets provide a sobering reality check to the party atmosphere in private marketsValuation in private markets has gotten away from fundamentals and centers more on telling a good storyAbsurd valuations is a consequence of too much money

What is neutural divestment?


“Neutral” Divestment: Remove, Rotate, Replace.  A “neutral” approach attempts to remove fossil fuel assets without sacrificing investment performance. It’s based on the core passive investing principle that markets tend to be better at allocating capital than individual investors. RemoveFor most clients, it’s hard or unproductive to simply sell everything and start over. We use donor

Explainer: Tracking Error


What is tracking error and why do we avoid it? Tracking error is the difference in performance between a portfolio and its benchmark. It’s generally used to evaluate the value of an “active” choice by an investor.For investors who want to keep pace with the stock market, the S&P 500 – which accounts for about

The three types of climate divestment


The three types of climate divestment.  Climate change poses an existential threat to humanity. The UN estimates that over 1,000,000 species will go extinct by 2100 while entire countries will be swallowed up by rising sea levels, both caused by climate change.Climate change also poses a direct risk to investors. The International Renewable Energy Agency (IRENA) estimates that $11 trillion

A quick guide to divestment


Divest your assets in 5 easy steps.  In 2006, Al Gore introduced us to an “Inconvenient Truth”: that our efforts as a species to become wealthy and comfortable had an unintended side effect: potentially catastrophic climate change.   Most of the impact of climate change would fall on the global poor, making it a moral

"Investors are swimming against the tide with one arm tied against their backs. The tide consists of taxes, fees, volatility, inflation and life events and the only time-tested tools at your disposal boil down to diversification, compound interest, and time.”

Dana Grigg

President

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