Every year, two firms (Dalbar and Morningstar) analyze how investors perform compared to how the actual investments (markets) perform. Is there need for comparison? If the S&P 500 went up 10%, my account should ALSO be up 10% right? Well—turns out—not really....

When is the best time to plant a tree? In Montgomery’s last blog The Cost of Sitting in Cash, he pointed out the clear evidence that, for long-term investors, the best time to invest is now, and there can be a real cost to sitting in cash. As some clients have asked...

Get ready for the fearless forecasts to start flying. “Every day, investors have to snowshoe their way through a blizzard of propaganda, misinformation, and incomplete and incorrect data. If you respond reflexively to that noise, you’ll do nothing but trade until you...

How do you have a successful investment experience over the course of your lifetime?  Over the last six months, the stock market has rocked and rolled leaving many to question the fate of their portfolio’s future. 

1) Investing Requires Taking Risks Nothing is risk-free. Even passbook savings and bank CD’s carry their own special kind of risk. It’s tough to live off of your interest payments in a 0% interest rate world. Investment success depends on recognizing and controlling...

This morning, I was asked by one of our clients two very important and good questions.  After I replied, I thought that others might have the same concerns, so below is our back and forth.    Bo, Hope all is well. First, I would like to acknowledge Montgomery for...