The Empowered Investor
Winning Investing & Planning Principles
You, Your Financial Security and Recipes for Success
Investing doesn’t need to be complicated to be successful. Like most people’s favorite comfort food, the basic ingredients are universal. After that, there’s no limit to what you might add to your recipe for financial security.
Lowering the Volume on Investment Noise
We believe that investment noise is the greatest obstacle most investors face and the most essential investment skill you can develop is the ability to recognize and tune out four sources of investment noise: the media, experts, friends & family, and yourself.
What’s Your Investment Philosophy? (And Why That’s a Trick Question)
An investment philosophy is a set of principles or guidelines to steer the decision-making process and stipulate how your money will be managed across both good and challenging times.
Financial Forecasts, Market Predictions, and Other Fantastic Fairy Tales
In relatively efficient markets, even the experts can’t know what future pricing will be. So, trading based on forecasts and predictions is a coin flip, at best; the outcome is based on luck vs. skill.
How To Handle Cold Markets and Hot Stocks
Countless performance-chasing parades have come and gone, with one thing in common: By trying to concentrate in a hot trend once it’s already popular, you’re riding a massive wave that could subside at any time.
Why Diversified Investing Is the Hardest, Easiest Thing To Do
Even if you start out with a well-diversified portfolio, you’re far more likely to lose your way if you have no big-picture plan to guide your cohesive course.
The Paradox of Behavioural Biases and Investment Instincts
How do you protect against an invisible enemy like behavioural bias? Four lines of defense can help: education, process, time, and objective advice.
Taking Control of Your Personal Financial Action Plan
Having a retirement plan and investment plan is key to preparing for long-term financial security. Additional components factor in as well, including debt management, risk management, tax planning, and estate planning.
Personal Financial Planning for Ages 25–35
Investing early makes the most of your youthful super powers: time and compound growth on your investments.
Planning for Your Prime Earning Power Years
Here we zoom in on your best power plays for the age 35–65 sweet spot, when you’re not yet fully financially independent, but you’d love to do all you can to get there sooner than later.
Personal Financial Planning in Retirement
As you approach and enter retirement, your focus typically shifts from saving, investing, and staying on track to spending, preserving, and ensuring you have enough to last.
The Investment Policy Statement
Your IPS is a platform from which to build your financial future, as well as a living reference that grows and evolves through conversations, feedback, and updates.
Winning with Evidence-Based Investing
How do you ensure your best financial interests are the top priority when you invest? One way is to use evidence-based investing instead of traditional active investing
From Indexing to Evidence-Based Investing
To appreciate evidence-based investing, it helps to look at its historical roots, planted more than a half-century ago, and incorporated into its early solutions: index and passive asset-class investment strategies.
Investment Principal #1: Invest in Asset Classes
Evidence suggests your portfolio’s asset class mix has a much larger impact on its variation of returns, compared to stock-picking and/or market-timing techniques.
Investment Principal #2: Diversify Your Asset Classes
The magic behind diversification is found in a financial measure known as correlation, or the degree to which two asset classes move in similar patterns.
Investment Principal #3: Using Passive/Index Funds or ETFs
Index-based or passive asset class funds focus on how to reduce the costs and frictions involved in capturing the market’s generous expected returns over time.
Investment Principal #4: Using Investment Factors To Pursue Higher Returns
By mixing and matching factor-based asset classes into a personalized portfolio, you can pursue higher expected returns while managing the investment risks involved.
Winning Investing & Planning Principles: Putting It All Together
Becoming an empowered investor is as much about identifying what financial serenity means to you as it is about understanding the mechanics of investing.
The Empowered Investor Book
As an advisor who has studied and implemented the principles of successful investing with clients, I have witnessed the powerful and meaningful difference they can make in people’s lives. My hope is that this book will inspire you to build a better investment experience for you and your family.
Request your complimentary copy.
3535 St-Charles Blvd.