Planning a Retirement Strategy Process

People planning for retirement may obtain higher expected returns by globally allocating their portfolios around the dimensions of return identified by decades of academic research. A trusted retirement specialist can guide you through a consultative process of making informed decisions for what matters most to your family.  DOWNLOAD

Principles of Informed Investing

Research and history show time and time again that no one can reliably forecast the market’s direction–or predict which stock or investment manager will outperform. A financial advisor can help you create a plan and focus on actions that add value. This presentation explains how to work with your advisor to create an investment plan to fit your needs and risk tolerance. Also learn how to structure a portfolio around dimensions of returns, how to diversify broadly, reduce your investing expenses, your turnover and your taxes.   DOWNLOAD

Principles of Informed Investing - presentation

Principles for Informed Investment Management

Empirical research and our years of experience show that even sophisticated investors tend to underestimate how long they’ll live, how much cash they’ll really need in retirement and how emotion can cloud sound decision-making. This presentation deconstructs 7 key principles for well-informed investment management and explains how you and your advisor can embrace the power of compounding and diversification, insulate yourself during periods of high volatility, and avoid the mistakes of fleeing to cash, timing the markets and over-concentrating into too few asset classes.  DOWNLOAD


Principles for an Informed Retirement

Everyone dreams of retirement, but without careful planning, this joyous stage of life can become filled with anxiety, doubt and financial stress. In this paper, Paul Byron Hill CFP® walks you through the seven key principles for a successful retirement: From identifying your needs and developing a savings plan, to making informed decision about your longevity, Social Security, rising healthcare costs, the power of compounding, tax mitigation and reasonable drawdown strategies. Chock full of useful charts.   DOWNLOAD


Planning Informed Diversification Globally

An investor’s ability to achieve their investment goals often relies on maintaining discipline in their portfolio over the long term. Diversification across securities, sectors, and countries can help investors maintain their focus, potentially allowing them to avoid extreme outcomes that may result from a more concentrated approach. However, short-term performance of individual markets may cause some investors to question the merits of diversifying across countries and consider reallocating to markets that have recently done well. In these times, it’s important to remember the benefits of maintaining a globally diversified portfolio.  DOWNLOAD


Performance of Premiums in Equity Markets

In addition to the well-known equity market premium of stocks relative to bonds and T-bills, equities have at least three other premiums that may be utilized in portfolio construction to systematically enhance long-term returns. This presentation looks at historical one-year and ten-year periods for these dimensions of returns in the U.S. and internationally.  DOWNLOAD

The U.S. Mutual Fund Landscape

Most mutual funds underperformed their benchmarks; strong track records failed to persist. High costs and excessive turnover may have contributed to underperformance. Successful fund investing involves more than picking past winners. Consider a fund’s market philosophy, investment objectives, strategy, trading costs, and other factors.  

Market Returns Around U.S. Presidential Elections

Investors may look for patterns of market returns around Presidential election. On average, market returns have been positive both in an election year and in the subsequent year. Here we examine those returns, beginning with the 1928 race between Herbert Hoover and Al Smith, and continuing through the 2012 contest between Barack Obama and Mitt Romney. Market expectations for election outcomes seem to be embedded in security prices.  

Market Returns Around U.S. Presidential Elections