More than a Money Manager.

Manish Khatta

President/Portfolio Manager

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Recent Posts

What Teachers Should Know About Retirement Planning

Posted by Manish Khatta on December 19, 2018

It goes without saying that teachers play one of the most critical roles in American society as the primary individuals responsible, other than a young person’s parents, for helping to create the next generation of leaders and workers.

But that weighty responsibility rarely matches up with the highest salary. As a result, retirement planning requires additional foresight, planning, and better lifelong financial habits for teachers than for their white-collar counterparts working the 9 to 5 in a downtown corner office.

And on top of that, teachers often have more intricate possibilities for retirement because they can invest in pension accounts. The question for teachers becomes not only how much can I or should I invest, but also which mix of accounts will create the best opportunity for a satisfying retirement?

Let’s take a hard look at what teachers need to know about retirement planning. If you’re a teacher, you know that your financial security can be completely different than the teacher across the hall from you.

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Topics: 403b Resources

Four Ways You Can Lessen the Impact of Loss Aversion in Your Investment Portfolio

Posted by Manish Khatta on November 26, 2018

Having a healthy amount of fear can often save us from making bad decisions and keep us physically safe. If you’re hiking in the woods and you see a bear up ahead, it makes sense to stay away.

But when fear becomes a driving force in financial decisions, poor results often follow.

“Loss aversion” can be beneficial in that it keeps most of us from making obviously ruinous investment decisions. When fear outweighs rational decision-making, however, it can often create negative implications for your portfolio.

Fortunately, there are steps you can take to minimize the harmful impact emotionally-driven decisions have on investment results.

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Topics: Financial Planning

Morningstar Ratings™: Fact or Fiction

Posted by Manish Khatta on October 11, 2018

Investing is complicated.

That’s the prevailing sentiment I hear from investors, whether they are new to the stock market or they’re coming to our firm after a few decades of retirement planning on their own or with another advisor.

But does investing have to be complicated? I would argue that with the right processes and framework in place, it can be much simpler than you think.

Unfortunately, the majority of approaches that have tried to simplify mutual funds (one of the most popular investment choices) for the average investor have been...lacking.

Morningstar is one of the companies that has tried to simplify the mutual fund selection process for the masses. Over the last thirty years, Morningstar has leapfrogged the competition in popularity and simplicity with its star rating system.

If you’ve ever done mutual fund research on your own or have any kind of experience in DIY investing, it’s likely that the Morningstar star rating is one of the methods you’ve used to identify how well a fund fits your portfolio.

Unfortunately, Morningstar has made the system so elementary that it is of no real use to long-term investors.

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Topics: Investment Management

Why Most Retirement Plan Participants Are Invested Wrong—and What To Do About It

Posted by Manish Khatta on October 2, 2018

Investors are always seeking ways to make retirement planning and investing easier.

Due to that desire, product providers are always more than happy to create new products that will provide simple investment choices that are thought to be safer, or that have the capability to post better returns than the last set of products.

It’s not just mutual fund companies creating a fund based on the newest data-driven methodology. Financial services and financial technology companies are also always in the mix to convince investors that what they’re offering is truly special.

Remember the E-Trade baby? Though lighthearted and fanciful, the insinuation behind using a (talking) baby in their commercials is that E-Trade makes trading so simple, a child could succeed at using their software to build their investment portfolio.

More recently, Betterment’s new marketing campaign appeals to the idea that investors should always be working to, in their words, “outsmart average” and use new technology to put themselves at the forefront of investing strategies.

When it comes to corporate retirement plans, most participants will see Target Date Funds as the product referenced as making investing for retirement easier.

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Topics: Investment 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:

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