public markets Archives - DIY Personal & Retirement Financial Planning

DIY Personal & Retirement Financial Planning

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

Why only one Warren Buffett? The illusion of superior professional mutual fund manager performance.

<<– Continued from Part 1 (Where’s Waldo? The illusion of superior professional mutual fund manager performance.) Instead of highlighting dozens or even hundreds of perennially superior mutual fund money managers, the media conversation has become a repetitive chant about Warren Buffett. Personal Financial Planning Software While highly successful and very worthy of respect, it is […]

Can you really beat the stock market?

You are not likely to beat the stock market, despite all the cheer leading from the securities industry and the financial media. When you try to beat the public securities markets, unfortunately you are more likely to trail the marketâ€™s return, because of extra costs, taxes, and investment mistakes. The idea that investors can beat […]

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"Larry, Thanks for the response. I watched the videos you’ve made so far on YouTube. Very good. In fact one of them addressed a situation that applies to me. I first learned about the zero federal taxes on long term capital gains when under the 25% marginal income tax rate from working with Veriplan a number of years ago. I’m no longer working but not yet receiving RMD’s or social security so my ordinary income is relatively low. So I’ve been taking full advantage of zero federal capital gains taxes by selling off my high expense ratio mutual funds which have a lot of capital gains built in since I’ve held them a long time and then I reinvest them in index mutual funds which don’t generate as much capital gains distributions. So the education that you and Veriplan provide has saved me thousands in taxes, not to mention the expenses on high cost mutual funds. Thanks again."M. D. in El Paso, TX

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