Hyper-Diversification

Hyper-Diversification By having a hyper-diversified portfolio you’re almost guaranteed to have a position in the next boom stock such as Google from 1997 to present or Microsoft from 1986 through 2000.  What do I mean by hyper-diversified?  1000 stocks?  3000 stocks?  Think of 12,000 stocks. T...
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Be Wary of Headlines

Be Wary of Headlines Clients frequently come to me with headlines that alarm them (see attached photo from the December 10, 2015 Wall Street Journal). That’s normal, and answering their questions and concerns is part of my job. Four things I often explain is that: 1) Headlines are meant to attract...
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Normal Daily Portfolio Volatility

Do you know how much to expect your portfolio to move daily? This is something every investor should know, although it’s rare that one does. Fortunately, however, it’s rather easy. For simplicity, assume your portfolio value is $100,000 and assume it’s all equities (stocks) with sa...
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Capitalism vs. Socialism

Capitalism vs. Socialism as in China vs. Venezuela This post is not about politics, and it is relevant to your portfolio. Hence, moving ahead, to get a good recent example of capitalism vs. socialism one needs to go no further than a brief comparison of the living standards in Venezuela and China ov...
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The ‘Long Haul’ is Here, TODAY!

Are you “investing for the long haul”? If you are via the Schulz Financial/DFA/TDAmeritrade team, it arrived, again, in 2016, as long term goals are achieved through systematic, incremental gains. 2016 provided such an opportunity. All too often, the “long haul” investor thin...
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