Wiser Wealth Management Blog

Market Jitters
The Everyday Investor

Avoid Short-Term Market Jitters

Avoiding short-term market jitters is important when managing your portfolio.  Vanguard released a simple chart recently showing how exiting the market in December 2018 would have affected the value of your portfolio. A hypothetical 60% stock/40% bond portfolio valued at $1 million on November 1, 2018, would have lost almost $57,000 by Christmas Eve. Then the investor is faced with the challenge of determining when to invest back into the market. It is important to remember that investing in the market is always a risk,

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Dollar Cost average or lump sum
The Everyday Investor

Dollar Cost Average or Lump Sum Investing – Here’s our Take

Do you dream about the day you win the lottery or inherit a large sum of cash from a long lost relative you didn’t know you had?  Or, are you planning to contribute to your child’s college 529 plan and ask yourself, should I contribute a lump sum today or contribute monthly to the plan?  Although we’ve never had a client win the lottery, we do have clients that have inherited or have a larger sum of money they want to invest. At this point,

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The Everyday Investor

Say No! to the Annuity Salesperson

Indexed Annuities are a Bad Deal I found a website the other day that promises to teach you about indexed annuities in seven free lessons on “strategies the rich use to buy indexed annuities.”  (Notice they don’t say “benefit”.)  The lessons cover the basics of fixed indexed annuities, so-called safety nets, strategies and concepts, planning tools, and a demo on how to choose the right mix of annuities. The lessons aren’t openly available – you have to register with your name, phone number, email, age,

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The Everyday Investor

Don’t Let Short Sightedness Hurt Your Portfolio

Investors focus on short-term market performance despite saying they are long-term investors.  Don’t let short sightedness hurt your portfolio. While downturns seem terrible, in the long-term, it is just a blip. Avoid the emotional decision to make changes in correcting markets, focus instead on your financial goals. December of 2018 brought extreme market volatility to any portfolio holding equities. This volatility brings many interesting conversations. Many start with, “if I had known this was happening, I would have sold and bought back later” or “I

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The Everyday Investor

Equifax Breach – What you need to do

How to protect yourself after a breach. As you may already know, personal information for over 143 million Americans was exposed with the recent Equifax data breach. We have listed out the next steps you should take to protect your identity. First step: Visit www.equifaxsecurity2017.com to determine if your information has been compromised. Click on the Potential Impact button. Enter your last name and the last 6 digits of your social security number. It will then tell you whether your information was impacted in the breach or not.

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Research & Economic Commentary

The Best Benchmarks for Every Asset Class

The Best Benchmarks for Every Asset Class (Literally All of Them) Benchmarking your portfolio performance is crucial for a couple of reasons. First, it provides a starting point for your financial advisor/portfolio manager to gage your risk-tolerance and return expectations. Second and more importantly, it gives you a basis of comparison for your portfolio performance against the rest of the investable market. Benchmarks come in all different shapes and sizes, with some tracking certain segments of the stock market like the S&P 500 Index to

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Research & Economic Commentary

You’re Doing Commodities Wrong: In Favor of Global Natural Resource ETFs

Before exchange traded funds (ETFs), investing in commodities meant either opening up an account to trade futures contracts or holding physical natural resources like gold and oil. Now, with assets in global ETFs recently passing the $4 trillion benchmark, it has never been easier for retail investors to gain access to broad commodities exposure at a very low cost through global natural resource funds. This is especially beneficial for investors seeking new opportunities to diversify their portfolios since the equity market rally that has taken

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Research & Economic Commentary

Who Makes up the Fortune 500 Companies?

Landing on the Fortune 500 is a pie-in-the-sky dream of many business owners. The most profitable U.S. companies that make up the latest list collectively employ 27.9 million individuals across the world and represent $840 billion in profits and $12 trillion in revenues. Who are these business dynamos and where are many of them based? The Top 10 In June 2016, Fortune magazine took a look at 2015’s top moneymakers, most of which are household names. The No. 1 spot goes to the Arkansas-based big-box

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Research & Economic Commentary

What Britain Leaving The EU Means

The EU (European Union) was established following the end of WW II in order to offer financial and structural stability for European countries. Since its establishment, the EU has grown to a membership of 28 countries, abiding by various rules and policies set forth by the EU Council. One of the responsibilities of member EU countries is to accept and honor immigrants and citizens from other EU countries as part of the human rights initiatives recognized by the EU. Immigration has been a topic of

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Casey Smith to Present at IMN’s Annual Global Indexing Conference

Casey Smith will be presenting on a panel at the IMN Annual Global Indexing Conference in Dana Point, CA later this month. Casey will talk about how Wiser Wealth builds portfolios using Exchange Traded Funds (ETFs). It is an honor to be part of the speaking panel and at a conference that attracts the world’s leading ETF experts. You can learn more about the conference HERE. You can listen to the recorded session HERE.

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