More than a Money Manager.

What is a 403b account and how to make yours better

Posted by Manish Khatta on September 14, 2018

Your employer’s 403b retirement plan offers you the opportunity to save more of the money you earn and invest it for your financial future.

When you chose to invest through your employer’s 403b retirement plan, how you invested was entirely up to you. That could have been good or bad—good if you had a wide range of choices to help you invest in a way that suited your style and needs, but bad if you were new to investing or didn’t have time to research the options available in your plan.

This guide is designed to help you better understand and manage your 403b retirement plan, whether you’re a new or experienced investor.

Click here to find out if your 403b account stinks
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Topics: 403b Resources

How can Fidelity BrokerageLink® help your 403b retirement account?

Posted by Manish Khatta on July 9, 2018

Your 403b retirement plan is innovative because it offers you choices for planning your retirement. But when you look more closely at your employer-sponsored retirement plan, you may discover the illusion of choice—you may be able to choose where and how to direct your savings, but the range of investment options you must choose from are often limited.

Add to this problem that many of these options are poor to begin with—overexposed to risky sectors, rife with conflicts of interest, and returns that are too closely aligned to offer any diversification benefits.

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Topics: 403b Resources

The Financial Crisis Taught Investors What They Didn’t Learn in Investing 101

Posted by Manish Khatta on April 10, 2018

This year (2018) will mark the 10-year anniversary of the global financial crisis, which also ushered in the worst economic downturn in the U.S. since the Great Depression and one of the worst bear stock markets in recent history. Those who lived through that troubling period (like us) remember the extreme swings in volatility and the compounding losses. When the bear market finally bottomed out in March 2009, the S&P 500 Index had shed 56% of its value.

A bear market of that magnitude is rare—according to Yardeni Research, only one other bear market since 1929 has been worse. (That was between 1930-32, when the S&P 500 lost 83% of its value.) However, Investors should pay attention to the magnitude of losses, perhaps more so than their frequency, because of the time it takes to recover from these kinds of extreme losses.

In the case of the last bear market, it took around four years for the S&P 500 to make up all of its lost ground. Add to that the 517 days from peak-to-trough of the bear market itself, and you get a total of five-and-a-half years of time lost trying to reclaim market value.

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Topics: Risk Management

Your biggest asset is also most at-risk

Posted by Jeff Goodnow on March 14, 2018

After many years of working, saving and investing for the future, many households eventually arrive at a point where they have accumulated significant assets, both in terms of number and value. I am talking not just about real assets such as houses, property, vehicles, collectibles and more, but also financial assets including holdings in investment and retirement accounts like 401(k)s and 403(b)s.

For many people, especially those who are further along in their careers and nearing retirement, their financial holdings may represent their largest asset. For a good number of them, these assets are bigger than the equity value they have built up in their primary residence.

These assets are also the most at-risk from a loss in value. While individuals can insure property and belongings against loss (for example, home insurance protecting against loss from a fire), there really is no insurance available for financial holdings. At least not in the traditional sense.

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Topics: Risk Management

Ultimately we like to say that we are "More than a Money Manager. This is a small business run by people not robots. We talk, we plan, we execute together, as partners working to achieve the same goal."

Here are some topics you'll read about in our blog:

  • Our risk management techniques that make investing a smoother ride.
  • An inside view of our industry including the ugly nobody wants to talk about.
  • Our company culture and the people behind the process and much more...

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