Category: Insurance and Risk Management
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AGG vs TLT
The S&P 500 is a reasonable choice for the stock portion of your asset allocation, but where to invest the bond portion of your portfolio. Below is a table with 20 year performance and volatility for 2 bond ETFs and the S&P 500 ETF. There are significant differences between the 2 bond funds, one is…
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Risk Management
If your account is invested in a single company stock and the company goes out of business, you lose 100% of your investment. This is company risk and can be mostly eliminated by diversifying into many different company stocks. How many different companies do you need to invest in to create a diversified portfolio and…
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Annuities
I don’t believe in variable annuities because they have high internal fees that produce returns less than you can get in similar investments outside of an annuity. I don’t believe in fixed annuities because they don’t provide more than long-term bond investments. Annuities have essentially no liquidity. No changing your mind.
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