All Equity Retirement Portfolio. A Critique of Beyond The Status Quo Research Paper

by Ethan S. Braid, CFA | Feb 27, 2025 | Asset Allocation, Blog, Investing, Investment Risk, Retirement Planning

The recent research paper, Beyond The Status Quo: A Critical Assessment of Lifecycle Investment Advice, has created a lot of buzz since the paper was published. The authors advise an optimal retirement portfolio that is 100% equities with 33% in domestic stocks and...

T-bills vs CDs Which One is Better?

by Ethan S. Braid, CFA | Feb 20, 2025 | Blog, Investing, Investment Risk

Investors looking for safety often put their money into certificates of deposit, aka CDs. But many of them would be better off if they purchased T-bills instead of CDs. In this article we will compare T-bills to CDs across three categories; taxes, fees and risk. Taxes...

Sequence of Negative Returns Risk is Higher than you Think!

by Ethan S. Braid, CFA | Feb 18, 2025 | Blog, Investment Risk, Retirement Planning

Sequence of negative returns risk is something that many investors fail to consider when planning their retirement or assessing their risk tolerance. Sequence of negative returns risk is the risk that at some point during your retirement, you will experience...

Bear Market Losses. What is the Average Loss in a Bear Market?

by Ethan S. Braid, CFA | Feb 17, 2025 | Blog, Investment Risk

The stock market has been in an incredible bull market since 2009. We all hope it keeps going but history shows that secular bull markets eventually end and turn into secular bear markets.  There are two types of Bear Markets Secular Bear Markets Short-Term Bear...

Asset Allocation Mistakes You Can Avoid

by Ethan S. Braid, CFA | Feb 15, 2025 | Asset Allocation, Blog, Investment Risk

There are many mistakes you can make when selecting an asset allocation strategy for your retirement.  In this article we will review two serious mistakes an investor can make with their asset allocation strategy. Selecting an asset allocation that does not match...

Asset Allocation for Retirees

by Ethan S. Braid, CFA | Feb 14, 2025 | Asset Allocation, Blog, Investment Risk, Retirement Planning

Choosing an asset allocation is a key decision in any retirement plan. With over 25 years of experience as a financial advisor, I have found that many retirees do not know how much they can make or lose with different asset allocations. The focus of this article will...