You probably have at least a minimal expectation that financial regulators in Washington are looking out for you. And you’d be wrong — and a lot poorer in retirement as a result of that misplaced trust. While the fight continues to enact clearly written and fair rules of engagement for investors, stock broker fraud cases… Continue reading →

Jeremy Siegel, the Wharton finance professor best known for the investment bestseller Stocks for the Long Run, sees no reason why the stock market can’t go up by 10% during 2016. Wait, you might say, Siegel is a famous stock bull. Of course he would say that. But his reasoning is more sound than you might… Continue reading →

The U.S. Federal Reserve has begun to raise the interest rate, generally a sign of a strong recovery and a growing economy, and often a trailing indicator of growth. The Fed typically only acts late in the process, arguably too late at times. Meanwhile, one European bank’s economists are making waves with a note to clients… Continue reading →

In his annual Wall Street Journal start-of-the-year stock market analysis, Rebalance Investment Committee member Professor Burton Malkiel explains how best to invest for 2016 in an “expensive” market. How do you invest when everything is expensive? U.S. stocks are selling at more than 25 times their cyclically adjusted earnings. Bond yields are unusually low (the… Continue reading →

In case you missed it, a chart making the rounds in financial circles puts a fine point on what happens when a $3 trillion gorilla walks into a room. That’s the level of assets under management at Vanguard, the low-cost fund giant created by the legendary John Bogle. In short, when Bogle’s crew comes into… Continue reading →

My partner and Rebalance Managing Director Scott Puritz recently gave an interview to USA Today sure to raise the hackles of thousands of retirement advisors: The typical 60/40 stock-and-bond portfolio is fast becoming a problem for millions of American savers. The idea, which dates back decades, is to hold about 60% of your retirement portfolio in stocks and… Continue reading →

Sally Brandon, Vice President of Client Services, explains why it’s usually better to finance your retirement instead of your kids’ needs, such as a saving for college. More on kids and retirement priorities. transcript I think it’s an interesting thing that I’m having to deal with personally right now. I have a son that’s a senior… Continue reading →

You’re a recent college graduate. Now that you’ve started your first job, you’re probably wondering how to spend some of that new salary. A vacation? A car? Maybe you should be thinking instead about saving for retirement. That’s right. It’s time to put money away — ideally 10% to 20% of your annual take-home pay… Continue reading →

What makes an investment fund cheap to own? Low fund fees, of course. But investors completely misunderstand what “low” means, charges Vanguard Group founder John Bogle. The problem comes with using percentages, specifically percentage expense ratios, to gauge the value of a fund relative to its cost of doing business. Consider something you buy every week,… Continue reading →