Should I Get Out Of The Market?

I'm not sure if you noticed ... Should I Get Out Of The Market? The following is a lightly edited version of a letter sent to FutureSafe clients on March 15 2020. It is reproduced here in the hope that it might be helpful and of interest to the broader investing community. Please note that

Oil, MBS, Putin and Safety Nets​

I'm not sure if you noticed ... Oil, MBS, Putin and Safety Nets The following is a lightly edited version of a letter sent to FutureSafe clients on March 10 2020. It is reproduced here in the hope that it might be helpful and of interest to the broader investing community. Please note that the

The most dramatic market change …​

I'm not sure if you noticed ... The most dramatic market change ... The following is a lightly edited version of a letter sent to FutureSafe clients on March 03 2020. It is reproduced here in the hope that it might be helpful and of interest to the broader investing community. Please note that the

I’m Not Sure If You Noticed …

I'm not sure if you noticed ... In case you haven't noticed ... The following is a lightly edited version of a letter sent to FutureSafe clients on February 27 2020. It is reproduced here in the hope that it might be helpful and of interest to the broader investing community. Please note that the

Index Investing

One frequently overhears discussion on how "the market" is doing. But what does "the market" really mean? The answer depends upon the performance of a particular market index, the first of which originated in 1896 as a collection of twelve publicly traded companies whose values were summed, divided evenly, and tracked over time. This index, the

Direct Indexing: Not Just for Institutions Anymore

(Note: The following article originally appeared on the Optimal Asset Management blog on July 8, 2018. View the original post here.)Direct Indexing is gaining traction as an attractive equity investment alternative to many different types of investors, beyond the traditional large institutional class. Direct Indexing is simple, cost-efficient and offers exceptional flexibility compared to ETFs.What’s

When does Tax-Loss Harvesting with Direct Indexing Work?

(Note: The following article originally appeared on the Optimal Asset Management blog on August 10, 2018. View the original post here.)Investing directly in the stocks underlying an index through separately-managed accounts opens up numerous benefits unavailable through pooled vehicles such as ETFs or mutual funds. Of these, perhaps the most noteworthy benefit available to taxable investors

What’s a Monte Carlo Simulation?

(Note: The following article originally appeared on the Optimal Asset Management blog on September 28, 2018. View original post here.)We can’t predict the future, so where do we put our money?Every investor understands that investing involves uncertainty. Next year might be choppy or it might be smooth. The market might be up, down, or flat.