Financial Perspectives

with Michael Dubis, CFP


Building a sound investment strategy

Last month, I wrote in detail about why financial planning needs to lead the investment process. Once the financial plan is designed, it’s time to move on to one of the most important components of any long-term plan: development and ongoing maintenance of an investment policy statement (IPS), or investment strategy. It is the link between your financial plan and the ongoing work necessary to manage a prudent investment portfolio.

Posted at 10:33 AM | Permalink | Comments


Financial planning should drive the investment plan, not the other way around

I get a fair number of prospective client calls and a number of them lead off with questions around investing, investment management, returns, etc. Asking a financial planner about investments first is putting the cart before the horse. It’s not how good financial planners operate.

Posted at 11:17 AM | Permalink | Comments


Life insurance rules of thumb usually don’t apply to real life

In my experience, many folks do not have adequate life insurance. Most insurance rules of thumb that calculate needs don’t do a good enough job of pricing on this one.

Posted at 10:23 AM | Permalink | Comments


Back to basics: To hit retirement goals, start saving a large percentage of gross income

Financial independence is the primary savings and investing driver for most people, and with good reason. In order to be successful in retirement, most folks will require a higher-than-anticipated wealth position, appropriate insurance coverage, and adherence to a very controlled spending plan. Almost every new client I speak with is not adequately prepared for this reality. I spend a lot of time in the first year simply broadening the discussion and assumptions, and I hope to do a little bit of that here as well.

Posted at 04:51 PM | Permalink | Comments


The long-term case for emerging markets

I received this question recently: “Remind me again: why are emerging markets in my portfolio?” A good question. Emerging markets aren’t doing very well lately compared to the U.S. and many other developed markets; it makes sense to wonder why we would want to be invested in them.

Posted at 08:23 AM | Permalink | Comments

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About This Blog

It is an understatement to say the world has experienced a radical shift in capital markets. There are more layers of information and opinions on the direction of the world than we've seen in decades. The internet and the media do not always make it easier, but Michael Dubis' contribution through IB blogs will help you sift through the noise and give you some perspective. You can find his company online.

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