Author - Buz Livingston, CFP®

1
The Performance of Actively Managed Mutual Funds
2
Uncovering Your Retirement Plan’s Hidden Costs
3
A Case Study On The Ups And Downs Of The Stock Market

The Performance of Actively Managed Mutual Funds

Even if you have not been good this year, fret not, you still have something under the tree from me. Every six months, the S&P Indices publishes a review of mutual fund performance specifically tracking the performance by the hot hand of prior years. They examine the persistence top half and top quartile (for Auburn folks the latter translates to top 25 percent) funds exhibit.

For actively managed mutual funds, the results are the proverbial lump of coal. Of the funds in the top half in September 2005, only 4.16 percent of large-company funds and 4.55 percent of small company …

Read More

Uncovering Your Retirement Plan’s Hidden Costs

73 million Americans use a defined contribution plans for retirement savings and no one knows
their annual costs. As head of the House committee on Labor and Education, Representative
George Miller exposed in Congressional hearings hidden costs of defined contribution plans-
401(K) and 403(B). The Department of Labor recently announced that retirement plan
providers must spell out all individual and general expenses deducted from an employee’s
retirement account. These regulations will not take effect until January 2012 so it is incumbent
that the new Congress does nothing to hinder these common-sense regulations.

An Elder Law Journal report estimated annual expenses …

Read More

A Case Study On The Ups And Downs Of The Stock Market

Comparing 2008 and 2010

A couple of years ago, reviewing portfolios with clients presented slight problems.  Lest we forget in October of 2008 every asset class went down.  The entire financial system was being battered by a Category Five hurricane.  Remember how portfolio values plummeted, fast-forward two years and meetings are more enjoyable.

We use Principia™ from Morningstar and a report generated last week brought a few salient points.   Morningstar analyzes portfolios by choosing the best/worst three-month, one-year and three-year return over the last ten years.   What fascinated me was the best three-year return for this portfolio (April 2003 to …

Read More

Copyright 2014 FiGuide.com   About Us   Contact Us   Our Advisors       Login