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Category: Investing

San Francisco Realty Realities Bite or Nourish, Depending on Which Side You’re On

I am fortunate to live in Noe Valley, San Francisco, California, USA, North America, Earth. I am doubly fortunate to have bought a house in En-Vee Ess-Eff See-Eh in 1996 (though admittedly the downside of this time scaling is that it puts me well into the second half — final […]

Investing Is Simpler than You Think, Part 1: The Rise of Self-Directed Investing

I came of financial-career age at E*TRADE in the late 90s. The commercialization of the Internet was in its infancy back then, and so too was the world of online stockbrokers like E*TRADE and Schwab and Ameritrade and Datek (long ago hobbled and then subsumed into Ameritrade). At the juncture […]

Replacing “Assets Under Management Fees” with “Net Worth Under Management Fees”

The other day I asked a money manager I was getting to know whether his firm charged a lower fee for managing bond portfolios than it charged for managing stock portfolios. He said no — that his firm charged the same for both. I asked him about this because some […]

Friedman’s Law of the First Thing: Using the Investment Adviser Public Disclosure Site to Smarten Up About Financial Planners and Money Managers

Oodles of ’em. Oodles and oodles of ’em, even. There are oodles and oodles — and then some — of articles out there about how to find, interview and ultimately hire yourself a good financial planner or money manager. I can’t recall a single one of them, though, talking about […]

Not All Total-Bond-Fund Bond Index Funds are Alike

I read Morningstar’s annual report the other day, and saw something interesting in there: Morningstar’s business is being hurt by the rise of passive investment approaches and the mirror-image fall of active investment approaches. That makes sense, right? After all, Morningstar helps folks be better informed about, primarily, mutual funds, […]