Tough Job: 5% of Active Investment Managers Will Add Value

alpha200

People always argue about how "efficient" the market truly is. Only academic, ivory-tower geeks believe in efficient markets right? My longstanding opinion is that no, markets are not 100% efficient, but it's a tough, cutthroat world out there. … [Read the rest]

Barron’s Best Stock Brokerage Rankings 2017

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Barron's has released their 2017 annual broker rankings. Two major themes this year are (1) trade commissions dropping overall and (2) improved mobile app trading. To analyze 2017’s top brokers, we took a hard look at the value they offer to … [Read the rest]

Fundrise eREIT Quarterly Liquidity Details and Redemption Process

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I've been putting some side money into crowdfunded real-estate investments - see here and here - and I am now closing out my Fundrise eREIT investment. An important difference between most of these private real estate investments and … [Read the rest]

Buy, Hold, Rebalance a Globally-Diversified Portfolio 2017

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When I think about it, I am impressed with how different 2017 feels compared to when I started seriously learning about investing in 2003. Instead of only reading about it in few books mostly read by finance nerds, nowadays nearly every … [Read the rest]

Callan Investment Returns Ranked by Asset Class 1997-2017

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We've all been told that past performance is no guarantee of future returns, but it's still hard to buy an investment that has been performing poorly. We need to remember the historical power of diversification and that even though something may … [Read the rest]

Apple iWork Suite, iMovie, and GarageBand Now Free on Mac and iOS

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If you have an older Mac OS or iOS device, it may be nice to know that Apple has made their iWork productivity suite, iMovie, and GarageBand apps free to download for all users. These apps come free with new hardware, but users with old hardware had … [Read the rest]

Early Retirement Portfolio Income, 2017 Q1 Update

While I understand the arguments for a "total return" approach, I also appreciate the behavioral reasons why living off income while keeping your ownership stake is desirable. The analogy I fall back on is owning an investment property that … [Read the rest]

Early Retirement Portfolio Asset Allocation, 2017 First Quarter Update

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Here is an update on my investment portfolio holdings after the first quarter 2017. This includes tax-deferred accounts like 401ks, IRAs, and taxable brokerage holdings, but excludes things like our primary home, cash reserves, and a few other side … [Read the rest]

Simple Portfolio Rebalancing Spreadsheet Template (Google Drive)

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Updated. Automated portfolio management services like Wealthfront and Betterment will help you manage a diversified portfolio of low-cost index funds for a fee. While I understand their appeal for those that wish to outsource that task, I choose … [Read the rest]

Savings I Bonds May 2017 Update: 1.98% Inflation Rate

Savings I Bonds are a low-risk investment backed by the US Treasury that pay out a variable interest rate linked to inflation. You could own them as a replacement for cash reserves (they are liquid after 12 months) or bonds in your portfolio. New … [Read the rest]

Amazon Coupons: $10 off $50 Warehouse, $15 off $40 for Amazon Student

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Here are a couple of quick Amazon promotions before I sign off for the weekend: Amazon Warehouse Deals $10 off $50. Get $10 off a $50+ purchase at Amazon Warehouse with coupon code EARTH10. This is where Amazon sells their open-box and pre-owned … [Read the rest]

E-File Federal and State Tax Extension Online For Free (Updated 2017)

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Updated for 2017. This year, the deadline for federal tax filing is Tuesday, April 18th, 2017. If you file for an extension, you can extend the time allowed to file your return by six months to Monday, October 16, 2017. (It does not extend the time … [Read the rest]