The following sneak peek into our “pension-style” investment process comes from our forthcoming new website…more to follow! Below we detail how we manage our CommonWealth Portfolios. We do this work for our clients so they can invest with confidence. Our Pension-Style Investment Process: First, we use multiple statistical metrics and strict quantitative criteria to test...Read More
Here is a short article with some solid financial advice: https://dfpi.ca.gov/wp-content/uploads/sites/337/2019/06/8_Tips_for_Financial_Success.pdf 8 Tips For Financial Success Article Summary: 1. Choose Carefully. 2. Invest In Yourself. 3. Plan Your Spending. 4. Save, Save More, and Keep Saving. 5. Put Yourself on a Budget. 6. Learn to Invest. 7. Credit Can Be Your Friend, or Enemy. 8....Read More
While index funds cost less than actively-managed mutual funds and they are both “diversified” we think index funds have some surprising drawbacks. Consider these four important disadvantages of index funds: 1. Index funds may not provide as much diversification as one thinks. Nortel’s weighting within the TSX (Canada’s main stock market index) grew from an initial 3%...Read More
A question that clients occasionally wish to discuss is the issue of debt. While being debt free is a great objective, it is important to distinguish between good debt and bad debt and to think in terms of achieving your overall financial goals. Good debt can contribute to your wealth and happiness in the long-term....Read More
The chart below illustrates historical Bear Market declines for the S&P500 and following recoveries once a new all-time high was eventually achieved. On January 19, 2024 a new high was recorded following the Bear Market of 2022. Here are a few general observations: 1) Market declines can be significant. 2) Market recoveries can also be...Read More
The heart of our CommonWealth Team investment model is to participate in significant market upside while incorporating defensive strategies to limit downside volatility. “Return takers” have no control over the performance of markets but we can and do control the process of investing for you. We can help you navigate volatile financial markets. Our well-researched...Read More
