Tag Archives | market volatility

How Do I Handle the Ups and Downs in the Market?

Have you ever entered a contest or a raffle where the fine print reads: “Must be present to win”? Of course being there won’t guarantee you’ll take home the grand prize, but there’s one thing you know for sure: If you sit on your hands, safe at home, they will undoubtedly remain empty. The markets […]

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Is Now a Good Time To Be in the Market?

Ever since we founded Independence Advisors, we have been committed to serving as an independent voice. We are proud to question the status quo whenever that’s what it takes to serve our clients’ best financial interests. That said, we’ve also long enjoyed collaborating with anyone whose wealth management missions complement our own. The more often […]

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Why Stock Market Forecasting is Usually Worthless

Even after all these years, the debate over “active” versus “passive” management continues to be a hot button issue in the financial services industry. The idea of stock market forecasting (i.e. market timing) is a concept on which conventional wisdom is based. This belief also just happens to be supported by several powerful industries (Wall Street and the financial media) worth trillions of dollars.

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Oldies But Goodies

We dusted off two of our most popular blogs in honor of spring cleaning and tax season. Key Takeaways Having a system you trust to find all of your key records, quickly and easily is just as important as deciding which records to retain. Remember, you run the system; the system doesn’t run you. After […]

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What is the Backbone of an Evidence-Based Portfolio?

An accumulation of studies since the 1950’s has identified three risk factors that form the backbone of an evidence-based portfolio. They are:  The Equity Premium – The additional return investors should expect to earn for taking the risk of investing in stocks rather than short-term bonds. (6.27% per year since July, 1926)*  The Small Cap […]

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Traditional Versus Roth Contributions: What to Consider – PART 1

Key Takeaways The decision to make Traditional or Roth contributions to retirement plans adds an extra layer of complexity to investing. Traditional contributions allow participants to defer tax until funds are withdrawn, while Roth contributions allow participants to pay tax up front, so there’s no tax obligation upon withdrawal. When deciding what type of contribution […]

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For Better Investment Results, Rely on the Evidence

Understanding the source of investment returns is an important part of being a successful long-term investor. Unfortunately, far too many investors are under the impression that successful investing requires predicting markets. More than 60 years of academic research says otherwise. Still, investors are often distracted from the focus on their long term goals by the […]

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