For people with very low healthcare costs, putting the maximum into Health Savings Account (HSA)-eligible healthcare plans is almost a no-brainer. This is especially true when their employer contributes to their account to help offset the deductible. If you don’t spend that money, it’s yours to keep, and it rolls over year after year for […]
The Securities & Exchange Commission (SEC) recently voted to allow spot Bitcoin Exchange Traded Funds (ETFs) to trade on U.S. stock exchanges for the first time. Eleven firms1 – including heavyweights such as BlackRock, Invesco, Fidelity, and others – received approval for spot Bitcoin offerings. An ETF is an investment fund that tracks the performance of […]
You’ll hear homeowners proclaim this all the time. ‘My home is my biggest asset.’ But is it true? Are they even looking at the concept of an asset correctly? In very simple terms an asset is something you own and a liability is something you owe, which means, unless your house is paid off in […]
You’ve probably heard that it’s never too early to start saving for retirement, but is that really true? Should we really be focussed on retirement planning in our early 20s? Should the very beginning of our working life be when we start planning for the end of it? The answer, like the answers to many […]
What’s Discussed: The calculations herein are based on the online data posted by Nobel laureates Eugene Fama and Ken French.[1] Fama and French are best known for their pioneering research identifying how factors such as value and momentum influence stock price outcomes. In the Fama-French methodology, US stocks are sorted into deciles each month based on […]
Are you making investment decisions based on recent events? If so, you may be falling victim to recency bias. When it comes to investing, it’s easy to get caught up in the latest news and let it influence your investment choices. However, this cognitive bias can have serious consequences for your investment performance. Understanding recency […]
The exchange-traded fund (ETF) structure shares certain similarities with mutual funds, but also important differences that investors need to understand, especially if you’re used to investing through mutual funds. These differences can prove to be advantageous for investors in actively managed ETFs compared to other investors who hold their money in active mutual funds. Investing […]
Scenes of disgraced FTX founder Sam Bankman-Fried in the courtroom this month have brought the dangers of investing in cryptocurrencies to the forefront of public consciousness again. Yet not all digital assets are alike, nor are they equal in value, and for some, greater institutional adoption is bringing legitimacy. One of America’s largest asset management […]
If you work for a publicly-traded company, your employer may offer you the chance to buy shares of your company’s stock through a program called an Employee Stock Purchase Plan (ESPP). The idea behind ESPPs is simple – to give employees the opportunity to profit from the success of the firm and participate in its […]