DIY Personal & Retirement Financial Planning

Do-It-Yourself financial and investment planning Excel spreadsheet software

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Monitor and adjust your financial plan in a time-efficient manner – Step 9 of 10 Financial Planning Steps in the Right Direction

CLICK HERE TO READ THE SKILLED INVESTOR’s OTHER ARTICLES ABOUT THESE “10 FINANCIAL PLANNING STEPS IN THE RIGHT DIRECTION Personal Financial Planning Software Time in life is the most precious and perishable asset that a person has. It should be spent enjoyably and efficiently. Scientific investment strategies that rely on relatively efficient financial markets allow […]

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Diversify fully within asset classes – Step 4 of 10 Financial Planning Steps in the Right Direction

CLICK HERE TO READ THE SKILLED INVESTOR’s OTHER ARTICLES ABOUT THESE “10 FINANCIAL PLANNING STEPS IN THE RIGHT DIRECTION.” Diversification is genuinely an investment “free lunch,” and it is a key contributor to improved investment risk management. Family Financial Planning Software for Consumers Diversification has become an axiom of personal investing, because the specific risks […]

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The Heavy Burden of Recurring Investment Expenses and Fees – Part 2

The heavy burden of recurring investment fees (Part 2 of 2) < < — Go to Part 1 By charging fees as a percent of your assets, the investment industry can make their recurring fees seem small – like they are “just a few” percent. Financial Planning Software for Consumers Furthermore, by charging fees against […]

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Pay Lower Investment Expenses To Get Higher Investment Returns

Pay Lower Investment Expenses To Get Higher Investment Returns – Part 1 Excessive investment costs are a plague on your personal financial planning. Excessive investment expenses are one of the most significant barriers to lifelong family financial security. While financial services industry sales people tell you that you need to pay more to get more, […]

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Do Not Get Fooled by Superior Historical Investment Performance

Evaluate the historical investment performance of mutual funds and ETFs, BUT ONLY AFTER using other screening criteria Choosing only from among mutual funds and ETFs that have performed very well in the past can lead to significant selection mistakes and inferior personal portfolio returns Previous superior or average fund performance simply does not predict similar […]

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Choose Sufficiently Mature Mutual Funds and ETFs

Choose sufficiently mature mutual funds and ETFs Investing in more mature equity and bond mutual funds and exhanged-traded funds (ETFs) allows you to evaluate the historical consistency of a fund’s record. On average, the future portfolio returns of more mature funds are probably no more predictable than for very young funds with a similar style […]

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