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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Off Subject: Why Voter Suppression in Legal Again
Excerpts from Republican voter suppression efforts were banned for decades. Here’s what changed. 15 October 2020 Kevin Kruse (Historian) A federal judge finally allowed the consent decree to expire in late 2017, believing the issue had been put to rest. The… Read More ›
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TSP Smart: Short History of Boeing’s Crashes
Boeing spent $43 billion on buybacks and ran their price up 400%. The buybacks stopped, skimped on design costs and they ran into a cash problem and their price plunged. The end.
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Smart Bird: Election Risk becomes Market Risk
I’m shocked at what I have been learning about our democracy. I did not know the Governors could throw out the voters decision and throw their electoral college votes toward their party’s Presidential candidate to ensure their party wins. Astonishing.
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Smart Bird: Tearing Down the Free Markets
I don’t normally talk about single news articles, but this one has many implications. What happens when central banks do whatever it takes to keep the stock market rally going even while the world economy is in a deep recession…. Read More ›
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Smart Bird: Shifts Happen
Shifts Happen
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TSP Smart: Charles Schwab on the Correction
If you are young or middle career you may get another secular bull market, but if you are over 50, I’m sorry your returns will be low but you might be able to catch one of those cyclical bull markets before your retire… after a major reset. Everything else is speculation in a high risk market.
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Smart Bird: Here we go again
Given the explosive nature of the allegation that the most iconic names on Wall Street were conspiring with the most iconic stock exchange in the world to rig the markets, one would have expected the hearing to have been packed with top media outlets.
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RAND Report on Inequality
The median worker should be making as much as $102,000 annually—if some $2.5 trillion wasn’t being “reverse distributed” every year away from the working class.
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TSP S Fund, Tesla and “Never Befores”
A lot of indicators are doing things they have never done before. And I see this as the result of the central banks flooding the financial markets with liquidity and much of that liquidity ending up in a few companies. Tesla is one of them. It still sits in the TSP S fund which invests in all the non-sp500 companies.
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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