Investing

Our dog Louis is 12 years old going on two. I have a theory. You see, Your Survival Guy and Gal are empty nesters—both kids away at college—we’re home alone (not to be confused with economically free). And then there’s Louis. The house all to himself. No kids to take the attention away from him. […]

Savvy investors are gobbling up these yields. Because you don’t need to compound big numbers to have big success. To double your money, you could do it with T-bills paying more than five percent today, compounding them for 15 years. But the key is, will they stay at five percent? Think about the Rule of […]

Originally posted July 26, 2018. The Efficient Frontier, created by Harry Markowitz in 1952, measures the efficient diversification of investments that delivers the highest level of return at the lowest possible risk. Investors must consider the trade-offs between risk and reward in their portfolios. You can see on the chart below an efficient frontier line […]

You hear it all the time today. “I’m getting an incredible rate on my money,” or “I can get you this on your money.” And so on and so forth. Yes, Your Survival Guy can see it, too, especially with rates at levels we haven’t seen in around 22 years. Opportunities are everywhere for the […]

Dear Fairly Wealthy Investor, You might be better off staying in bed. It’s that bad. One morning, you wake up, and there’s a full-page spread in the Wall Street Journal on the perils of a balanced portfolio. It reports how owning stocks and bonds in a 60-40 mix is dead. Nonsense. And it’s not just […]

There’s a tremendous amount of concern out there about the future of the dollar. I know this because you tell me in my conversations with you. And that’s why we talk. I want to know your concerns. And believe me, I know today’s concerns are different than yesterday’s. Welcome to current times. “Survival Guy, what’s […]

Not to bore you with math, but investing is math. Hoping for a stock to get to some price is just that, a hope. It’s qualitative, not quantitative. Collecting income from all areas of your portfolio—even that money your nephew owes you—is quantitative. You can actually see it hit your portfolio, your bank account, or […]

Sorry to burst your bubble, but investing is math. Sure, prices are fun to watch, but they aren’t the math of collecting income from your stocks, bonds, or that nephew who owes you. That’s math. You can see the money, rent, dividends, income, and even crumpled dollars coming into your possession. That’s investing. Look at […]