Richardcyoung.com

A Word on Stock Prices and Their Nephew

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A word on stock market prices and their nephew past performance. When investors pile into the S&P 500 the way so many do—automatically with their 401(k) contributions—there’s a tremendous amount of money riding on the same stuff. Investors, knowingly or unknowingly, get piled into the same boat, hoping and praying to get to their retirement […]

It’s Time to Evaluate Your Portfolio

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When investors are feeling good about the stock market, like they are now, it’s time to evaluate your portfolio. As Warren Buffett said, you want “to be fearful when others are greedy and to be greedy only when others are fearful.” Remember the big pullbacks in stocks this century and think how you would handle […]

Your Survival Guy’s Update on the Kittens

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“No one gets out alive,” is a thought running through my head as I think about integrating our kittens into life as we know it. For a little background, we brought home two Bengal kittens—Phantom and Fred—a couple weeks ago. Together they make a whole lot of chaos. But did I mention our daughter’s cat, […]

A Conversation with Dick Young about Father Time

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“Investors are on edge after Tuesday’s selloff, with U.S. stock futures falling and markets in Asia and Europe on the retreat,” reads this morning’s WSJ. Are we having fun yet? Now that Labor Day is to our stern, the market seems a bit more serious, don’t you think? Can it really continue at this pace for […]

When the Coast Is Clear

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When the Coast is Clear — By Jimmy Buffett/Mac Mcanally “The tourist traps are empty, Vacancy abounds, Almost like it used to be, Before the circus came to town” Yes, it’s that time of year when Labor Day’s to our stern with some more summer ahead, but change is in the air now that the […]

Your Survival Guy Heading into Labor Day Weekend

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Your Survival Guy and Gal picked up two kittens Wednesday. I guess that happens when your kids leave you this time of year. You don’t ever get used to it. It’s sad and quiet when they leave, not that cats are a replacement, but it is nice to have their company. On Sunday we’ll drop […]

When You Should Be a Buyer, not a Seller: Part III

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Is your Vanguard Wellington fund’s outlook, OK? In a word, yes. But what does that mean for investors in the fund? You know from parts I and II, you can have your cake and eat it too. In other words, you can keep your Wellington and transfer it to Fidelity Investments. But let’s step aside […]

Investing in a World of “Big Bets”

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We live in a world of big bets. You can’t watch a sporting event without being bombarded with advertisements for ways to bet on it. You can’t read about investing without ads on this “winning” strategy or that one. And this isn’t about the “kids” because Baby Boomers are buying bonds in one account while […]

Is the 60/40 Balanced Portfolio Model Broken?

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You may have read the recent WSJ article on the perils of the 60/40 portfolio model, where 60% is stocks and 40% is bonds. Don’t believe it. Because what the article fails to mention is the arithmetic of losses and the emotionalism of investing. But first, let’s get into your spending habits. Spending is one […]

That ‘70s Show All Over Again?: Part II

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You know from my recent piece on Vanguard, I like the outlook for the Vanguard Wellington fund. You can read about that and why I like Fidelity Investments here. Today, you’ll want to draw your attention to the recent mini blip in stocks. Imagine if it lasted decades instead of days. How would you feel […]