Month: February 2017

  • ETF or Index Fund? Which one should I buy?

    ETFs or Mutual funds? A regular investor has four investment vehicles. Bonds. I don’t recommend bonds because in the long run they always underperform stocks. Single stocks. I don’t recommend single stocks because you have two risks; the stock risk ( lower profits, corporate scandals, etc. ) and the market risk (this risk can not…

  • Window dressing, mutual fund lying to their clients

    We window dress in our lives all the time. When people post pictures on Facebook, they post the happy moments, they are displaying their best smile. We don’t see how they look in between each one of those photos. Mutual funds companies are supposed to report their holdings at the end of each quarter. This…

  • Asset Allocation, my opinion and how I do it

    Disclaimer: Please be advised that this article represents my opinion only. I am not suggesting you do the same. Asset allocation Ever since I got my first finance book, I have been reading about the bond vs stock asset allocation ratio. In theory, the percentage of bonds vs stocks in your portfolio should change every…