Déjà Vu All Over Again
Ryan Cole
Investment fads are nothing new. When selecting strategies for their portfolios, investors are often tempted to seek out the latest and greatest investment opportunities.
Read More
Blog | Citrine Capital
Anyone searching for investment advice is undoubtedly confronted with many choices of service providers operating under titles such as certified financial planner, financial consultant, registered investment advisor, stockbroker, and insurance agent.
Why You Should Play with FIRE
Ryan Cole
A growing contingent of millennials and Gen Xers are stashing away between 40 to 80 percent of their take-home pay to join the FIRE movement. Their goal is to reach financial independence and free themselves from their corporate nine to five’s, allowing them to travel, raise families and work on their own terms. The lucky ones are reaching Financial Independence, Retire Early (FIRE) in as little as five to 10 years by working hard to increase their earning while simultaneously living a lifestyle of frugality.
Read MoreWhy Should You Diversify?
Ryan Cole
As of 2019 approaches, and with US stocks outperforming non-US stocks in recent years, some investors have again turned their attention towards the role that global diversification plays in their portfolios.
Read MoreMidterm Elections: What Do They Mean for Markets?
Ryan Cole
It’s almost Election Day in the US once again. While the outcomes of the elections are uncertain, one thing we can count on is that plenty of opinions and prognostications will be floated in the days to come. In financial circles, this will almost assuredly include any potential for perceived impact on markets. But should long-term investors focus on midterm elections?
Read MoreThe ABCs of Education Investing
Ryan Cole
With school back in session in most of the country, many parents are likely thinking about how best to prepare for their children’s future college expenses.
Read MoreAlternative Reality
Ryan Cole
In recent years, “liquid alternatives” have increased in popularity considerably. This sub-category of alternatives consists of mutual funds that may start from the same building blocks as the global stock and bond market but then select, weight, and even short securities in an attempt to deliver positive returns that differ from the stock and bond markets.
Read MoreWhat You Pay, What You Get: Connecting Price and Expected Returns
Ryan Cole
As investors, we should consider whether we want to use the price we observe or look for a better price. A recent study from Dimensional Fund Advisors shows that over the 15-year period ending December 2017, only 14% of investment managers that attempted to outguess the market survived and beat benchmarks.*
Read MoreWhere's the Value?
Ryan Cole
While a positive value premium is never guaranteed, the premium has historically had a greater chance of being positive the longer the time horizon observed. Even with long-term positive results though, periods of extended underperformance can happen from time to time.
Read MoreWhat is Fiduciary Advice?
Ryan Cole
Anyone searching for investment advice is undoubtedly confronted with many choices of service providers operating under titles such as certified financial planner, financial consultant, registered investment advisor, stockbroker, and insurance agent.
Read MoreGetting What You Don't Pay For
Ryan Cole
Costs matter. Whether you’re buying a car or selecting an investment strategy, the costs you expect to pay are likely to be an important factor in making any major financial decision.
Read MoreTuning Out the Noise
Ryan Cole
For investors, it can be easy to feel overwhelmed by the relentless stream of news about markets. Being bombarded with data and headlines presented as impactful to your financial well-being can evoke strong emotional responses from even the most experienced investors.
Read MoreDoing Well and Doing Good?
Ryan Cole
Growing interest in the impact of fossil fuels on the global climate may spark questions about whether individuals can integrate their values around sustainability with their investment goals and, if so, how.
Read MoreKey Questions for the Long-Term Investor
Ryan Cole
What sort of competition do I face as an investor? What are my chances of picking an investment fund that survives and outperforms? If I choose a fund because of strong past performance, does that mean it will do well in the future? Do I have to outsmart the market to be a successful investor?
Read MoreRecent Market Volatility
Ryan Cole
After a period of relative calm in the markets, in recent weeks the increase in volatility in the stock market has resulted in renewed anxiety for many investors. From February 1–5, the US market (as measured by the Russell 3000 Index) fell almost 6%, resulting in many investors wondering what the future holds and if they should make changes to their portfolios.
Read MoreTo Bit or Not to Bit: What Should Investors Make of Bitcoin Mania?
Ryan Cole
Bitcoin and other cryptocurrencies are receiving intense media coverage, prompting many investors to wonder whether these new types of electronic money deserve a place in their portfolios.
Read MoreDemystifying What It Really Costs to Work with a Financial Planner
Ryan Cole
Understanding how much financial planners cost, and how they are paid, can be complicated and murky territory if you don’t have a higher degree in wealth management. But how much you pay a financial planner comes down to the type of financial planner you choose, as this is what drives the planner’s cost and ultimately determines the services you receive.
Read MoreDo I Need a Financial Planner?
Ryan Cole
Could you be saving more on taxes? Who will take care of your family if something happens to you and/or your spouse, and will there be enough assets available to care for them? Will you have enough money if markets take a dive? Should you currently be invested in the markets?
Read MoreHow to Find a Great Financial Planner
Ryan Cole
Excellent financial advisors are in high demand, and you’re going to have to spend some time searching for “the one”. This is because good planners are few and far between, and those who are good aren’t spending their time hunting for clients. Below are the six things you should look for in order to find that happy marriage.
Read More