FVIM's Insights

News and information about preserving your life savings

January Predictions of a Different Sort

Happy New Year! Have you ever noticed that January is an especially prime time for finding a flurry of market forecasts in your newsfeeds? Titles abound like "What to [fill in the blank] in 2018," with the blank replaced by timely tips such as "invest in," "buy," "sell" "expect," "avoid" … you get the idea. It's all the more tempting if the title i...
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Politics, Markets and You

​ As we commented in a recent letter to our clients, "To say that it's been a crazy election year would be a vast understatement." So, as November 8 draws nigh, we won't try to speculate on the outcome of all the excitement. That said, we are in a much better position to comment on how important it is to not allow your political leanings to ha...
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1087 Hits

Fiduciary Musings

It’s about time our regulatory agencies started taking my advice. For years, I’ve been beating a steady drumbeat about why investors should insist on fiduciary standards of care from their financial advisors, so I was heartened by the recent Department of Labor (DOL) fiduciary rule , which has at least pounded a few more nails into the coffin of conflicted advice. Could it be that Labor Secretary Thomas Perez has been reading my blog? Okay, probably not, but it makes for a nice musing. With the DOL ruling, anyone offering you advice about your retirement assets should be doing so with...
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2126 Hits

Managing the Market Menagerie

Have you ever noticed how often we compare market conditions to the animal kingdom? There are the long-familiar bulls and bears . Given the hoopla we’ve seen so far in 2016, perhaps the market knows that it’s the Chinese year of the monkey , a period of heightened tumult and trickery . We’ve also seen the market compared to the fabled tortoise and the hare . With a nod toward spring, there’s the related notion that we might be in a bunny market, in which returns are seen hopping up and down – but to what end? In our opinion, the...
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3398 Hits