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Scott Puritz
An Appreciation of Yale’s Star Investment Chief, David Swensen

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The lives of financial titans can seem otherworldly, replete with the trinkets of absurd wealth that come from commanding personal billions. Then there’s David Swensen, the one-time Wall Streeter who passed up all that and instead focused on something larger… Continue reading

Scott Puritz
Inflationary Trends: Should We Be Afraid?

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Will inflation be a real problem in the coming years, or a short-term blip that settles down quickly into steady economic growth? That is the debate among economists and policymakers of all stripes, as recounted by Neil Irwin in this… Continue reading

Scott Puritz
Survey: Most Americans Have No Clue What Their Retirement Plan Costs

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Do you know — really know — what you pay for your retirement plan? If you do, consider yourself in the minority. A recent Rebalance poll found that more than half of Americans (57%) believe they pay “no fees” or… Continue reading

More Americans own stocks. This is great for their financial future.

More Americans own stocks. This is great for their financial future.

For the first time since the stock market crash of 2008, consumer confidence with the stock market has returned. According to legendary Washington Post columnist, Michelle Singletary, investors have had a bumpy ride over the past decade. In the process,… Continue reading

 

What Investors Should Know About Money-Market Funds and CDs

Investors should consider using cash-equivalent investments, such as money market funds or CDs, to make sure that your idle cash is generating attractive short-term gains. Source: The Wall Street Journal May 6, 2023. What Investors Should Know About Money-Market Funds… Continue reading

 
With the Odds on Their Side, They Still Couldn’t Beat the Market

With the Odds on Their Side, They Still Couldn’t Beat the Market

The Rebalance tried-and-true adage remains the same, echoed by this NYTs columnist: it is nearly impossible to beat the stock market. The most prudent long-term investing strategy is to “own” the entire stock market through low-cost, broad exposure index funds.… Continue reading

 

The 60-40 Investment Strategy Is Back After Tanking Last Year

With the perspective of time, the calls for the death of the 60%/40% investment strategy came too soon. The click-bait articles of 2022 did not deter the Rebalance long-term investors. Source: The Wall Street Journal April 12, 2023. The 60-40… Continue reading

 

Secure 2.0: Wide-Sweeping Retirement Legislation Passed by Congress

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At Rebalance, we strive to make investing and saving for retirement smoother, safer, and easier for our small business owner clients and their employees with our BetterK solution. The recent passage of the new Secure Act 2.0 aims to expand… Continue reading

 

Inheritance? Here’s Why Not to Pay Off Your Mortgage

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We all know the stories of famous athletes who go broke. And then there is the infamous “lottery curse,” where winners end up bankrupt a few short years after hitting the jackpot. Most folks think that they’re smarter than that.… Continue reading

 
Power of Donor Advised Funds

Should I Start a Donor-Advised Fund?

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It seems like everyone these days has started a foundation. There’s a reason for that. It’s easier than ever to create one and there are many incentives to go down that path, even with smaller amounts of money. The reason… Continue reading

 
Jason Zweig Investments

Have I Got a Fund For You! Why Brokers Push Some Investments

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Buyer Beware! Efforts to make investing safer and more transparent for all Americans are being vigorously resisted by big Wall Street banks such as Morgan Stanley, Merrill Lynch, Wells Fargo, JP Morgan and UBS. Unfortunately, these firms have anti-consumer business… Continue reading

 
A retired couple enjoying the sunset while on a boat

Make Sure Your Money Lasts Through Retirement

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Thousands of people retire every day, either stepping away from long-term careers or downshifting into either full retirement, a second act that pays less, perhaps a fledgling business idea, or a passion project that pays nothing at all. Retirement is… Continue reading

 

Many Banks Pay High Rates on Savings. So Why Aren’t You Moving Your Money?

If you are keeping a good amount of spare cash in a basic savings account at a big bank, you are missing out. After paying paltry rates for years, short-term interest rates have risen dramatically, and moving your money could… Continue reading

 
What to Do with Inherited Money in a Volatile Market

What to Do with Inherited Money in a Volatile Market

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The late John Bogle, the founder of Vanguard and for many decades the strongest proponent of common sense investing, had a wonderful way with words. By turning a phrase inside out he could change one’s perspective completely.  During challenging markets… Continue reading

 
Woman riding a unicycle that has a coin as the wheel, balancing on a tight rope

The Tricky Math of Retiring Into a Downturn

Retiring can be a very stressful stage for many people. Daily routines, life purpose, and long-term goals, all come to an inflection point at once. The recent downturn in the financial markets has added an extra layer of unknowns to… Continue reading

 
puzzle of social security cards

Working While Getting Social Security: What to Know

  If you are working an extra few years after you have already retired, there are important implications on how to effectively access your Social Security. This can be a complicated planning challenge. Giving this level of complexity, you might… Continue reading

 

The Madness of Stock Picking

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Honestly, how many of you had Baylor University taking the NCAA Men’s basketball tournament, a.k.a March Madness?  Maybe some of you, maybe even a lot. Unless you’re fibbing. But how many of you got every single team right in your… Continue reading

 

Navigating A Zero Commission World

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My business partner Mitch Tuchman, Rebalance Managing Director and Chief Investment Officer, tells Reuters how our clients save on annual portfolio rebalancing fees and how zero commissions ends an outdated and conflicted business model. How to make the most of a… Continue reading

 

Beware These Stealth Expenses In Retirement Planning

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This week is National Retirement Security Week. Have you considered lesser-known expenses such as household replacement costs, relatives in need and required IRA distributions? Often, these are forgotten about until deadlines or needs push us to act. In this piece… Continue reading

 

We’re Smart, Capable and Amassing Vast Wealth. So, Why Aren’t We Taking Control of Our Finances?

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I’m guilty. There, I said it. And, it feels great to confess.  I am among the millions of women, globally and across generations, who fall into a distinct category—highly-educated, affluent married women, widows or divorcees who defer significant financial decisions… Continue reading

 
Money lessons

Parental Advice: Sharing Lessons about Money with the Next Generation

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One of my clients, who is an older man, recently told me about a conversation he had with his daughter, who had just gotten married. A wedding is a special time and certainly a threshold toward a new and different… Continue reading

 

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