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Author Archives: David Peartree

Worth Considering: Complex products are stacked against the investor

In the world of investment products, investors should keep in mind one simple rule: complexity favors the house. The house in this context is the investment company selling the product. Investor, complexity is not your friend. A recent study looked ...

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Worth Considering: Three performance problems with most mutual funds

For all their virtues, mutual funds have some serious flaws. To their credit, mutual funds can provide things that most investors desire, things like broad diversification, transparent holdings, good liquidity and easy trading. Unfortunately, most mutual also have serious performance ...

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Worth Considering: Stock returns aren’t what you may think

The brutal truth is that most stocks are a poor investment. That’s a shocking claim because it runs counter to the widely held assumption that most stocks will be a good investment if held long enough. After all, investors are ...

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Worth Considering: Benchmark your investment performance

Investors should compare their investment performance against an appropriate market benchmark. Let’s take a look at why and how to do it. Benchmarking refers to setting reasonable expectations for investment performance using broad market indices. Many investors will instinctively look ...

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Worth Considering: Has the shift to passive index investing been overstated?

Investors are shifting away from actively managed funds and towards passively managed funds. The financial media have interpreted this as a “seismic” shift from active to passive investing, but they probably overstate, or perhaps they misunderstand, what is occurring. Lost ...

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Worth Considering: Understand different approaches to correctly measure your investment performance

The absence of a uniform standard for reporting investment performance presents a challenge for investors. As a rule, investment advisers are not required to report investment performance and, even if they do, there is no uniform standard for how the ...

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