by Todd Moerman | Jun 14, 2016 | Doctor/ Dentist, Retired, Working
Diversification is the only free lunch in town. ”Diversification means always having to say you’re sorry.” In other words, in order to enjoy the benefits of diversification, you need to embrace asset classes and strategies that have low correlations with... 
by Todd Moerman | Apr 15, 2016 | Doctor/ Dentist, Retired, Working
Here is our market update for Q1 2016. Markets continue to see increased volatility and we expect this to continue. In Q1, markets were down -10% to -14% in mid-quarter. It is important to have a plan and stick to it. Stock volatility is normal. Quite a run. Since... by Todd Moerman | Feb 17, 2016 | Doctor/ Dentist, Retired, Working
2/17/2016 – This was our first 3 day rally of 2016! Will it continue or are we stuck in a negative cycle? Time will tell but there is never a good time to have a less than optimal portfolio. Do you have too much risk in your portfolio? If you have over $500k... 
by Todd Moerman | Feb 2, 2016 | Doctor/ Dentist, Retired, Wiser
I am sure most investors are glad to say goodbye to January 2016. The markets were volatile but if you had a diversified portfolio, things turned out OK. It is important to have a rock solid philosophy, strategy and discipline during market volatility. High quality... by Todd Moerman | Jan 12, 2016 | Doctor/ Dentist, Retired, Working
As of last Monday (1/11/16), the average stock is already in a bear market. (photo credit Kevin Dietrich) Here is some data as of 1/11: The S&P 500 is only down -10% from the May 20, 2015 highs of 2,135. 10% corrections are fairly normal. The average S&P 500... by Todd Moerman | Jan 7, 2016 | Doctor/ Dentist, Retired, Working
Just because you need high returns, it doesn’t mean the market will provide them for you. Peter Bernstein quote: “The market’s not a very accommodating machine; it won’t provide high returns just because you need them.” Flat = S&P 500 was slightly down for...
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