Taxes and the Challenge with Mutual Funds
If an investor owns a Mutual Fund or an ETF they can be forced to pay taxes even when they didn’t sell and even if the performance of the fund is negative for the year.
In retirement you spend dollars not percentages
This makes it very hard for them to say how much in dollars that a company is up or down over a period of time. So they speak in percentages...
The benefits of being a prudent buyer: what shopping for fruits and vegetables has in common with stock and bond selection.
Every day fresh produce moves from the fields to the trucks to the grocery stores and eventually on to our kitchen counters, and no one in that supply chain wants to select or purchase something that is about to go bad.
What is a Quality Investment?
It depends on your risk tolerance and the time you have to allow an investment that drops in value to recover.
Inflation Inefficiencies
Higher education, health care, and childcare are all eating more than their share of our wallets.
The History of Inflation
Part of our job as financial planners and investment managers is to take the vast amounts of financial information and identify the specific signals out of the noise that matter to each client.
Is This Roller Coaster For Us?
The financial headlines for stocks in 2009 were littered with exclamations that it had been a lost decade and yet the following 10 years more than made up for the losses. Today, those same media outlets are talking about a lost decade for bonds, and at DLK we will be running our quality investment processes week in and week out selecting the appropriate bonds for our clients.
What Could a Retiree Have in Common with Warren Buffett?
How are you supposed to have any cash when everyone’s portfolios are off 10 to 20%?
I Spy a Bond….Fund
When Does a Bond Not Act Like a Bond? When it is in a Bond Fund.
Retirement Experts Want to Change Your Rule of Thumb
The most important take-away is still have some income to counteract the impact of a large drop in the stock market in the first few years.