Tag Archives | risk management

3 Reasons to Consider Umbrella Insurance

Do you own a home?  Do you have a long commute?  Are you a dog owner?  If you answered yes to any of these questions, an umbrella insurance policy is worth looking into.  As you probably know, we don’t sell insurance here at Independence Advisors. However, risk management is a key part of any comprehensive […]

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Rainy-weather Investing: A Lesson From a Fishing Adventure

The weather promised to be unpleasant: cold winds with occasional rain. Such conditions are bad news for just about every activity you might want to do during a Yellowstone Park adventure … with the exception of fly fishing. When we arrived at Yellowstone’s Soda Butte Creek parking area, we were the only fishermen there. This […]

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Research Confirms That Active Management Disappoints Investors

The evidence is clear, active investing offers a hollow promise of outperformance. Key Takeaways Most active managers can’t beat the markets long term. It’s not because they’re lacking in intelligence—it’s because their costs are too high and they have too much portfolio turnover. Successful fund investing is about more than picking past winners. Consider a […]

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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 Traditional contributions allow participants to defer tax until funds are withdrawn, while Roth contributions allow participants to pay tax up front, so there’s no tax obligation upon withdrawal.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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What’s An Investors Most Important New Year’s Resolution?

Avoid this pattern of behavior by using the DR Strategy…   Greed and Fear conspire to disrupt even the most well considered investment strategy and those emotions are formidable opponents for most investors. Quite simply, the majority of investors have a hard time resisting the emotions of greed and fear. The data is clear on […]

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A Tale of Two Time Periods

Investors can still feel unfulfilled in these heady days for the Dow Jones Industrial Average Key Takeaways Discipline is the key to harvesting returns from risk assets. Follow your plan, not the crowd. Research shows that patient investors will be rewarded for taking smart risks on small cap and value stocks. Risk and reward are […]

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