VeriPlan Personal Financial Planning
DIY financial and retirement planning Excel calculator software
The best individual financial planning and investment rules and practices are enduring and should not change due to market cycles or a financial crisis. This article looks at asset allocation strategy in light of the recent credit crisis. The credit crisis was a systemic, global financial event that affected any financial or securities instrument influenced […]
Portfolio risk increases dramatically with concentrated holdings. A significant portion of a portfolio may sometimes become concentrated in a single investment entity, which dramatically increases the overall risk of the portfolio. While generally undesirable, there sometimes are unavoidable reasons for investment concentration. Unavoidable reasons for lack of diversification can include owning a private business or […]
Gauge the level of your portfolio’s overall diversification with this free on-line tool Whenever you invest in multiple mutual funds and ETFs, you may wonder how broadly and appropriately diversified your aggregate portfolio might be. Have your investment holdings and mutual funds that you have chosen increased the global diversification of your personal financial asset […]
Whole stock market investments versus investment strategy skews Investors who decide to pursue passive equity index strategies still have a few very important strategy decisions to make. They can choose to buy the whole stock market or to adopt a “strategy skew,” when choosing stock index investment funds. If an investor buys the whole stock […]
Choose the broadest available whole market diversification Another risk reduction objective should be to achieve the broadest possible securities market diversification within your overall portfolio holdings. Whenever several low cost investment funds are available, I suggest choosing the fund with the broadest market coverage. This reflects a preference for owning the entire market. Such funds […]
Investors with different appetites for investment risk tolerance are more satisfied with investment portfolio risk exposures that are more in line with their ability to cope with investment financial risk and rewards. Investors who are more risk-averse are more satisfied with a less risky investment asset allocation – regardless of lower expected investment returns or […]
Post-financial crisis commentary on tactical versus strategic asset allocation The best individual financial planning and investment rules and practices are enduring and should not change due to market cycles or a financial crisis. This article looks at asset allocation strategy in light of the recent credit crisis. The credit crisis was a systemic, global financial […]
Personal investing seems incredibly complex, but the best investment strategy also tends to be a more simple investment strategy The complexity of personal investment management is driven by the nature of investing in securities that have uncertain and unknowable future values. Nobody — amateur or professional — has a working crystal ball that can predict […]
The best personal investment and financial planning practices are durable and should not change because of market cycles and financial crises. Less diversified active strategies tend of be sub-optimal, involving greater portfolio volatility and risk accompanied by higher costs in term of expenses, taxes, time commitment, and stomach acid. The best investment strategy is to […]