More than a Money Manager.

The Pros and Cons of Investing in Index Funds

Posted by Manish Khatta on February 8, 2019

If you’ve been around the financial markets for any length of time, I’m sure you’ve heard the term “index fund.”

Index funds are everywhere in modern portfolios, and while many investors have been told they should invest in them, not many understand why they may or may not be a good fit for their personal situation.

Currently, index funds are seeing even more increased visibility due to the death of Jack Bogle, the founder and chief executive officer of the Vanguard Group.

Bogle was known throughout financial services as the founder of the index fund, and he was one of the most influential men the investing world has ever seen.

Let’s examine Bogle’s creation so you can better understand the place of an index fund in a portfolio and how to determine whether they may or may not support your financial goals.

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Topics: Investment Management

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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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

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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