Updating My Asset Allocation Model for 2025
For the past month I've been working on a few improvements to the asset allocation model that underpins my portfolio management process at Luther Wealth.…
Category
Investing Principles
TreasuryDirect is My Favorite Way to Buy Bonds
I love TreasuryDirect! It's a free site run by the US Government to allow people to buy US debt. I don't think there's any other situation in which an…
The Flip-side of Efficient Markets: It's Hard to be Bad
There is a lot of debate in finance about the Efficient Market Hypothesis, and to what extent it applies to real markets. I'm generally an efficient…
Is the S&P500 Index Actually Diversified?
The S&P 500 index, a widely followed benchmark of the U.S. stock market, has long been considered a reliable indicator of the overall health of the…
Inflation Risk and How to Protect Your Portfolio
The biggest financial headlines in 2022 have been about poor market performance amidst high inflation. This has led many investors to search for ways to…
Five Reasons to not Panic in a Bear Market
2022 has been an extremely bad year for almost every asset class! Stocks and bonds have suffered large losses. And inflation has been high, further…
Can You Beat Me at Picking an Active Manager?
I am a big proponent of passive investing. But, recently, I have been running a little experiment running a paper trading account with actively managed…
Please Don't Buy Penny Stocks
I can't think of a worse investment than penny stocks. Maybe a Ponzi Scheme is worse? Debatable. Penny stocks seem to be gaining popularity as a water…
You Shouldn't Invest In The Company You Work For
Young investors usually start off investing in stocks through mutual funds, often through retirement vehicles like 401k funds and IRAs. In many cases,…
I Ran A Marathon! Also, Here's How to Read a Prospectus
I ran the Philly Marathon this past Sunday! It was my first, and I definitely didn't run it fast, but I finished. I wasn't a fan of the rain and snow at…
You Can't Beat the Market and You Should Stop Trying
Here are some common questions I get asked as a financial adviser. What's your system? What's your investment strategy? Do you focus on market timing or…
How To Protect Your Portfolio From The Yield Curve Inversion
You've probably read some stuff about the yield curve inverting earlier this month. Or at least heard someone talking about it in the last few weeks.…