Author Archives
Tired of the superfluous investment news and black box strategies, we set out to find the best strategy for diversified index funds. After researching investment news letters and strategies, we found what we think is hands down the best strategy since it is simple to execute, avoids most bear market losses, and significantly beats a buy and hold investor over the full market cycle. Our goal is to help investors avoid expensive fees and commissions and unrecoverable investment mistakes. We enjoy sharing our research and if you read us you will learn why our motto is simply "Invest Smart".
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TSP Smart: Don’t Buy Stocks About to Get Wiped Out
It appears there are a lot of investors who do not know that stock prices get wiped out in bankruptcy.
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TSP Funds: False Confidence Threatens Survival
Most retail investors have not experienced stocks and corporate bonds being wiped out in a restructuring. It will come as a shock to many. The reason a few mega companies are pulling the SP500 higher is a defensive move away from this restructuring risk.
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TSP Funds: Instability
Use common sense and look around. Earnings and cash flow determine stock prices after the corporate buybacks go away. The Fed is screaming DANGER and yes they “temporarily” provided liquidity (printed money) to halt the financial sell off. But they can NOT stop the economic damage that matters in the long run.
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USAA Throws Customers Under the Schwab Bus
I just want to point out how Schwab and other investment companies are making money in the age of low fees and zero trade commissions – your cash accounts.
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TSP Allocation Guide Coronavirus Update
The funds have not changed, my strategy has not changed but the investing environment has and so must your allocations if your retirement nest egg is to survive. Denial is in the air everywhere we look. Don’t follow the herd.
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TSP Smart: Invest in This
Asymptomatic patients may have hypoxemia and not know it. This $20 device will allow you to monitor your oxygen level in your blood and if you go under 90% you better see a doctor. Organ damage is occurring in people with no symptoms or mild symptoms due to lack of enough oxygen getting to body organs over an extended period of time.
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TSP Smart: Re-opening
So the state of Georgia wants to start re-opening in late April based in part of the “positive data”. Ummmm… the positive data is due to the lock down and social distancing, not because the virus is going away.
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TSP Smart: Oil Prices Go Negative
I would think that the price of oil dropping to negative forty dollars a barrel (-$40) on the May Futures qualifies as interesting. It brings up the question of “what does that mean” from many angles such as:
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TSP Funds: Don’t Tell Me
Don’t tell me you saw an article saying now is the time to buy the dip or hang on and wait it out. Don’t tell me you are still listening to all the clowns trying to freeze retail investors in place. Please don’t.
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Doug Noland: The Solvency Problem
Somehow, we must convince younger generations that the culprit was unsound finance. And it’s absolutely fixable. Deeply flawed, experimental central banking was fundamental to dysfunctional markets and resulting deep financial and economic structural impairment.