DIY Personal & Retirement Financial Planning
Do-It-Yourself financial and investment planning Excel spreadsheet software
The Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient A previous article, “The Problem – Straight answers about personal financial and investment planning are difficult to find,” summarized important reasons why individuals may experience difficulties, even if they are intent upon doing better […]
Your financial planning and investing strategies should have a scientific basis A previous article, “The Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient,” suggested that individuals are much better off with a well-considered financial viewpoint. A stable set of financial beliefs can help […]
Your investment portfolio and other property assets are simply your evolving estate A previous financial article, “The Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient,†suggested that investors are much better off with a well-considered financial plan. A stable set of financial beliefs […]
Financial advisor costs and the value of their investment strategies determine your return on investment from these investment advisor services A previous financial article, “The Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient,†suggested that investors are much better off with a well-considered […]
Tax-advantaged investing is very good for most people at most times A previous article, “The Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient,†suggested that individuals are much better off with a well-considered financial viewpoint. A stable set of financial beliefs can help […]
Never invest solely because of superior past mutual fund or ETF performance Superior past fund performance does NOT predict superior future performance. Summary: A previous article, “The Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient,†suggested that individuals are much better off with […]
Searching for superior investment fund managers is a waste of your money and time A previous article, “The Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient,†suggested that individuals are much better off with a well-considered financial viewpoint. A stable set of financial […]
Spending your valuable time on the wrong financial activities is just plain bad for you A previous article, “The Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient,†suggested that individuals are much better off with a well-considered financial viewpoint. This follow-up article discusses […]
Own Investment Mutual Funds and ETFs – Not Individual Securities Owning individual stock and bond securities is just a big waste of your valuable time and money Individual investors tend to be terrible investment portfolio managers. Almost everyone can hire an index fund manager to do a much better job for far less time, money, […]
Complete portfolio diversification is always a better idea. On average, the securities markets will not pay you to hold any skewed subset of the overall market. Doing so is just a gamble that may or may not pay off. You should not expect to be paid any more for the added risk and anxiety. Financial […]
Build Investment Asset Buffers to Protect Yourself from Market Volatility You may be just as nervous as the next person is about investment risk. However, the coverage of your future expenses by your accumulated assets will determine whether you can actually manage, when risk really happens. Financial Planning Software for Consumers A previous article, “The […]