Financial Perspectives

with Michael Dubis, CFP

07/16/15

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

04/27/15

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

03/24/15

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

01/07/15

How did I do on my investment predictions for 2014?

It’s very easy for people to make predictions about the future, especially when they don’t look back to see how they did. At the beginning of the year, I wrote a piece titled “Potential investment themes for 2014.” Below is a recap of those themes, along with a report card on how I did.

Posted at 08:52 AM | Permalink | Comments

11/24/14

So who made money market-timing this past month? Anyone? … Anyone?

I’m frequently amazed by how much emphasis people put on trying to predict stock markets or listening to people who try to do so. If there has ever been a good example of how utterly impossible it is to exploit short-term market movements, it’s been the months of October and November.

Posted at 02:32 PM | 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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