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    Chart of the Day

    Real Estate vs. Stock Market

    Past performance is no predictor of future success, but it is interesting to compare the past performance of different investments. These charts show the value of $100 invested in real estate (red) and the stock market (blue.) The chart above shows that over the last 15 years, the stock market was the place to be.
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    Estate Planning

    Best vs. Worst

    Some investment managers promote a strategy called “Sector Rotation” where they try to time the market by trading between the 11 major sectors of the economy. The gains can be tempting, but the risk is high. For instance if you owned all energy stocks, you would be up +40% year to date, but if you thought communications was the place to be, you would be down -20%. This is a possible difference of 60% in your returns. According to the chart, which includes more sub sectors, the difference is the highest since 2000.
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    Chart of the Day

    Sale and Dividends

    There are two ways to make money in stocks:
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    Chart of the Day

    100% of the Time

    I think about this chart often during discussions with clients on having too much exposure to single stocks.
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    Chart of the Day

    Real Estate Prices vs. Income

    Real estate is unique since humans need a physical place to live and work. Economics says the price of those physical places is constrained by the cost of the physical labor to build them.
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    Real Estate

    Buying a Home? Here’s What You Need to Know.

    Owning your own piece of land comes with a whole slew of personal and financial benefits but it’s easy to get held up on the home financing process. Therefore, we recommend that your personal finances are the first step to complete before you start driving around neighborhoods looking at For-Sale signs. That means figuring out how much home you can afford and choosing the right option for your home loan. Read on to learn more about the home mortgage process and what you can do to ensure your journey to home ownership is a smooth one. 
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    Business

    Is a Business Loan or a Line of Credit Best For Your Financial Plan?

    Selecting the proper loan product for your business depends on what you need the money for and how you intend to pay it back. Here are some quick facts about each product.
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    Chart of the Day

    Bond Length Matters

    Duration describes the time it takes for a bond holder to get all their money back and/or the change in price for each 1% change in the interest rate.
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    Chart of the Day

    S&P 500 Wins Again

    This chart from an article in today’s Wall Street Journal shows the percentage of funds that underperformed the S&P 500 in the last 12 years. Again, passive indexes beat 85% of the active managers last year, and the majority have done so for 12 consecutive years. This is one of the reasons why we champion passive index funds. 
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    Chart of the Day

    Car Dealer Profits

    I am reminded of this chart every time I drive by a car lot. Before the pandemic, financing and insurance profits made up 70% of the dealer’s profits. Now, due to price appreciation of their inventory, that percentage has changed. However, the dollar profits from financing and insurance continue to increase. Car dealers have become more like finance and insurance companies.
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