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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What the TSP Lifecycle Funds teach us
Lifecycle Funds
1) Buy and holding regardless of market valuations;
2) Heavily exposed to market risk;
3) Underweight global tech;
4) Underweight the effect of US corporate buybacks;
5) Achieve little diversification with highly correlated funds -
TSP Funds: A peek inside
In case you have not heard, there are about 5 companies in America driving the markets. They now make up 28% of the SP500 index (TSP C fund)…
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TSP Smart: Off Subject on the Economy
So you might ask why the economy is off-subject for an investing service. That would be because the economy has not mattered to the markets since the Great Recession. And when it does, bad news usually propels the market higher on hopes of more financial stimulus – the real driver.
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Smart Bird: Robinhood Traders Are the Product
Citadel was front running half of the Robinhood order flow and just got a slap on the wrist from regulators who will probably work for Citadel or another like firm soon.
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TSP Millionaires Strike Back
Congratulations. Really, but remember it is what cash flow you end up with in retirement that matters. So did you learn any lessons?
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TSP Smart: The Really Short Pictorial History of TSP and the Markets
If a picture is worth a thousand words, what’s a good are chart worth. Find out.
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TSP Smart: Something Big is Going to Happen
Understand today the inside money is selling high today into the Fed’s fire hose and new companies will make their money in the financial markets and probably never in the real economy. The retail money is pouring into the markets laughing at the old timers who have lost their touch. Now I agree there is a chance the central banks continue the madness, but something is going to break sooner or later – something big.
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TSP Smart: Debt Gone Wild
Daydream, fantasize or hallucinate – if you choose. But this is a fiasco – and rather tangible, at that. It started years – even decades – ago. The craziness turned extreme last year, with the Fed aggressively stimulating in the face of highly speculative markets. It was never going to end well.
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The Smart Bird – He Knew
We are in a hostile investing environment with poor long-term support for the current prices in the markets. The stock market is simply riding the Fed’s largest intervention in history. And every wave ends the same.
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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.