As Valentine’s Day nears, it seems like as good a time as any to cover the frequently asked question about whether gold has an appropriate place in your investment portfolio. We’ve got nothing against your considering the tasteful gift of gold for your sweetheart this time of year, but when it comes to your or your loved ones’ life savings, we advise you to avoid all that glitters. In his article,...

A recent question from one of our clients struck me as excellent inspiration for a blog post of wider appeal. It went something like this: “My son is now 18 and tells me he wants to invest in stocks, or mutual funds, what do I think, etc. He has $1,700, so not really enough to shake the markets, but I am happy he is developing an interest. Before I respond to...

Raise your hand if you’ve had multiple careers. Or does yours more closely resemble Alfred Feld’s? He joined Goldman Sachs in 1933 and remained there for 80 YEARS(!), until he passed away at age 98 last fall. Whenever he was asked about his longevity, he is reported to have replied, “I’m just lucky.” While all of us at SAGEbroadview come to financial life planning via more circuitous routes, we have...

We can’t help but love working with a fund manager that is not only intensely loyal to the science of capital markets, but can laugh about it too. These qualities are combined in Dimensional Fund Advisors’ 2013 Review, a market/economic summary that the firm releases each January. While “a lot happened” in 2013, Dimensional reports it was ultimately “a year about nothing.” In a way, it was like the reverse...

While many of our friends, clients and colleagues are already aware of our exciting New Year’s Day news, it doesn’t seem fully official until it’s posted on the World Wide Web. So here goes: Effective January 1, 2014, SAGE Advisory Group, LLC of Morristown, NJ and BroadView Financial Planning of Farmington, CT became SAGEbroadview Financial Planning, LLC, a lasting financial planning firm for serving generations of families for a lifetime …...

In our last post, we covered an important part of philanthropy: ensuring that your gifts bring joy to you and your intended recipients in equal measure. Meaningful giving is an admittedly qualitative, “Venus” measure of success. Today, we’ll visit “Mars,” where we explore some of the more quantitative components of your philanthropic plans: Effective Giving – How do you assess potential charitable organizations you’ve identified to ensure they will make good...

Earlier this year, we covered how charitable giving can be a win-win activity, bringing as much happiness to the donor as to the recipient. We believe this is true whether you’re giving gifts to loved ones or fulfilling philanthropic goals. But especially for the latter, the giving is best done intentionally as part of your greater financial life planning: Meaningful Giving – First and foremost, does the giving bring you joy? Effective...

In our last two blog posts, we provided some of the key building blocks that make for a solid fixed-income foundation. First, we described the stabilizing role that fixed income typically plays in your portfolio. Next, we discussed why we advise against trading in reaction to current bond market conditions (including the existing climate) rather than according to your own investment goals. Today, we’re going to explore the strategy to...

In our last blog post, we shared the timeless principles we suggest for your fixed income investing. We also previously presented a Vanguard Funds report demonstrating that actively managed stock funds face punishing odds in their quest to outperform appropriate market benchmarks. But what about in the bond markets, especially in the current climate of potentially rising interest rates? Can active management shine? An additional report from Vanguard helps us...

Interest rates are at historic lows and, for several years now, numerous market pundits have been forecasting an upward move. This leaves many investors fretting about what might happen when rates rise. Some contemplate whether they should be making dramatic changes to their portfolios as a result. It reminds us of that Clash song: “Should I stay or should I go?” This blog post is dedicated to helping you understand...