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The Power of Diversification

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For many US investors, the “base case” for equity investing is US large cap stocks, most commonly benchmarked as the S&P 500. You could absolutely do far worse than owning these 500 great US companies, and the weight of the evidence suggests that most actively managed mutual funds that benchmark themselves against the S&P 500…

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What’s Wrong With Your 401(k)? (If anything)

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There currently are over sixty million Americans that are active 401(k) participants, and well over 500,000 total active 401(k) plans offered by employers in the United States.  Despite these high numbers, usages could be higher, as the US Census Bureau estimates that only 41% of all employees with access to a 401(k) plan utilize it,…

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Systematic vs. Discretionary Investing

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Much of the discussion in finance is about “active” vs. “passive”. Active management typically uses security selection and/or market timing to make portfolio management decisions. Passive management typically does not, instead, focusing on market risk premiums as the source of expected return. So which is better? I personally think it’s the wrong question to ask,…

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