Index and Sector ETFs: Mutual Funds: Speculation X3
How many of you remember the immortal words of P. T. Barnum? On Wall Street, the incubation period for new product scams may be measured in years instead of minutes, but the end result is always a...
View ArticleBrave Old World: Market Cycle Investment Management
The Market Cycle Investment Management (MCIM) methodology is the sum of all the strategies, procedures, controls, and guidelines explained and illustrated in the “The Brainwashing of the American...
View ArticleStrategic Investment Mixology – Creating The Holy Grail Cocktail
So what do your Investment Manager and your neighborhood bartender have in common, other than the probability that you spend more time with the latter during market corrections? Antoine Tedesco, in his...
View ArticleStock Market Corrections Are Beautiful… When
A correction is a beautiful thing, simply the flip side of a rally, big or small. Theoretically, even technically I’m told, corrections adjust equity prices to their actual value or “support levels”....
View ArticleIncome Investing: “Feed Your Head… Feed Your Head”
Jefferson Airplane has never, ever, been mistaken for a band of financial advisors, but the White Rabbit lyrics can be incredibly instructional to the generation of investors who experienced the...
View ArticleIncome Closed End Funds and Total Return Analysis
What are the two main reasons mere mortals invest in income purpose securities: one is their inherent safety compared to equities… a 50% income asset allocation is much safer and theoretically less...
View ArticleThe “Total Return” Shell Game
No “Interest Rate Sensitive” Security is an Island… Just what is this “total return” thing that income portfolio managers like to talk about, and that Wall Street uses as the performance hoop that all...
View ArticleWall Street’s Even Dirtier Little Secret
As of Close of Business May 8th, no less than 57 multi-year experienced, Taxable Income, Closed End Funds (CEFs) were paying 7% or more in 401k and IRA eligible income to their shareholders. 31 issues...
View ArticleWall Street’s Dirtiest Little Secret
As of Close of Business May 8th, no less than 53 multi-year experienced, Tax Free Income, Closed End Funds (CEFs) were paying 6% or more in federally tax free income to their shareholders. 18 issues...
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Interest Rates Rising – the sequel
Mal Spooner is a veteran fund manager and currently teaches at the Humber College School of Business.No doubt you’ve noticed about half the industry pundits cautioning that the US Federal Reserve is...
View ArticleHow To Be Prepared for Rising Interest Rates
I’ve seen a lot of discussions lately that erroneously conclude: “rising interest rates are something to be feared and prepared for” by buying short duration bonds or by liquidating income purpose...
View ArticleTo Rollover 401k Plan Assets or Not To… That Is The Question
The major purveyors of 401k products, and those who benefit from using them remind me of politicians… they press the party line, and use their power to demonize the competition. Their position and deep...
View ArticleRetirement Income Investing: The Dreaded RMD
All of us are approaching retirement, many of us are already there, and some of us (myself included) are thinking about the ultimate IRS slap-in-the-face… The Required Minimum Distribution. It’s time...
View ArticleThe Microsoft Retirement Income Program
Reading Between the Lines Once we recognize that all investment portfolios eventually become retirement income portfolios, we can begin to focus on the regular recurring income that they produce…...
View ArticleDealing With Stock Market Corrections: Ten Do’s and Don’ts
A correction is a beautiful thing, simply the flip side of a rally, big or small. Theoretically, corrections adjust equity prices to their actual value or “support levels”. In reality, it may be...
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Why so much ado about interest rates?
Mal Spooner Why the popularity of shorter-term interest-bearing securities among Canadians, in particular GIC investments? In fact, we in Canada are not the only investors who seem satisfied investing...
View ArticleInside Modern Portfolio Theory – For Emperors Only
Maybe it’s just me, but when I hear “Monte Carlo”, I can’t help but think “casino”… My previous article post dealing with the income growing opportunities of 401k account “drawdown” elicited some...
View Article401k Drawdown… OMG
“Drawdown” has become the most feared word in the 401k vocabulary, just as “Total Return” has become the most worshipped phrase. OMG, how will plan participants be able to retire if their portfolio...
View ArticleRetirement Preparation 101
Prompted by a recent article in “Financial Planning” entitled “For Retirement Portfolios, a Smarter Glidepath”… several points in the referenced “conventional wisdom” have fingernails on chalkboard...
View ArticleTotal Return: Smoke and Mirrors?
Just what is this “total return” hoop that investment managers are required to jump through? Why is it mostly just smoke and mirrors? Here’s the formula: Total Income + (or -) Change in Market Value –...
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