Portfolio Insights

Where Hath Inflation Gone?

The average annual rate of inflation in the United States has been slowly (if unevenly) declining for the past 40 years. Inflation rates averaged about 4% per year in the 1980’s, declined to around 3% in…
Read more

How Much is Social Security Worth to You?

If you’re like most working Americans, you will be entitled to a Social Security benefit when you reach age 62. The formula for calculating an individual’s benefits is fairly complicated, involving “average indexed monthly earnings” and…
Read more

Should You Pay Off Your Mortgage Early?

Sooner or later, nearly all homeowners ask themselves “Should we pay off our mortgage early”? The question is almost deceptively simple to state, but can be surprisingly complicated to answer. The reason for the complexity is…
Read more

Did “nothing work” in 2018?

Last year ended a nine year run of positive returns for the US stock market. As evidence-based investors, we know that investing involves risk, and that negative returns are always a possibility. A year like 2018…
Read more

Extreme Portfolio Concentration

Would you feel comfortable owning a portfolio that was 100% invested in a single stock? Now before you answer, what if I told you this was not just any stock, but a really good, solid company….
Read more