More Thoughts

 

July 2017 - Are you a well-behaved investor?  

Recently published, Dalbar’s 23rd Annual Quantitative Analysis of Investor Behavior (QAIB) shows that the average mutual fund investor underperforms the major market indices by a significant margin.  For example, stock fund investors earned an annualized return of 3.98% over the past 30 years, compared to 10.18% for the S&P 500.  In addition, this analysis reveals  the nine “psychological traps, triggers and misconceptions” leading to this dismal performance.  Click here to learn more.
 

June 2017 – Is professional advice worth the price?

Vanguard is well-known as a leading provider of low cost mutual funds.  What is not-so-well-known is they coined the term “Advisor’s Alpha” and have studied the value professional advisors bring to their clients since 2001.  Their conclusion … professional advisors offer a genuine value proposition, potentially adding 3% to net long-term returns.  
 
According to Vanguard, this value is added in a number of ways.  For example, a professional advisor might add 1% to 2% to a client’s net return by acting as his “emotional circuit breaker”, keeping irrational fears and exuberance in check.  Or, a professional advisor might add up to 75 basis points by implementing an effective asset location strategy.  Click here to learn more.
 

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