DIY Personal & Retirement Financial Planning
Do-It-Yourself financial and investment planning Excel spreadsheet software
Why allow the financial industry to help itself to your money? This blog provides you with objective information that could solidify a lifelong commitment on our part to low cost investing. Low cost investing is how you keep more of your own investments for your family, instead of naively giving your money to the financial […]
Before estimating the investment value that you might add or take away from your portfolio, you first need to determine whether your strategies are or are not likely to lead to optimal risk-adjusted investment returns. This value estimation is separate from any hourly opportunity cost related to spending time on your investments versus an alternative […]
“Market efficiency” makes it very difficult for individual investors to “beat the market.” Making their own decisions, individual investors perform so poorly that on average their investment returns lag behind the returns that one would expect from random stock selection. The average professional trader does somewhat better than amateurs do, and professionals probably do so, […]