Author - David John Marotta, CFP®, AIF®

1
Invest Your Health Savings Account For Appreciation
2
Are Democrats Or Republicans Better For The Stock Market?
3
Marotta’s 2017 Gone-Fishing Portfolios
4
To What Benchmark Should I Compare My 2016 Returns?
5
Mailbag: What Do You Think About The Elliott Wave Principle?

Invest Your Health Savings Account For Appreciation

Health Savings Accounts (HSAs) were just beginning to rise in popularity when Obamacare was introduced. Whether you believe in a right to healthcare or not, the Affordable Care Act made it much more expensive. The propaganda about it lowering costs has been proved false by the objective rise in premiums since its passage. In order to keep healthcare costs from rising, consumers have to have some skin in the game. For that reason, HSAs are part of every proposed replacement to Obamacare.

According to the “2016 Midyear Devenir HSA Research Report,” HSA account balances continue …

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Are Democrats Or Republicans Better For The Stock Market?

For decades now, politicians have been arguing about which party is better for stock returns.

Leading up to the 2016 Presidential election, the argument was made that the stock market does better with a Democrat President than a Republican President. After the 2016 election and the subsequent stock market appreciation, the argument has been made that Donald Trump as President will be great for U.S. stocks.

Republicans are perceived to be the party of big business. If Democrats can show that electing a Democrat to the White House correlates to better stock returns, they believe that they can negate some …

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Marotta’s 2017 Gone-Fishing Portfolios

A gone fishing portfolio is a portfolio of just a few stocks which should weather the ups and downs of the market fairly well while only rebalancing twice a year. We recommend a gone-fishing portfolio for small accounts of people who are getting started with investing. For those with larger accounts or those who are approaching or in retirement, we recommend professional management. For that reason, our calculators do not make recommendations beyond age 70.

This year we are offering three different gone fishing portfolios. In addition to updating our traditional Gone Fishing Portfolio and our Vanguard Mutual Fund Gone …

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To What Benchmark Should I Compare My 2016 Returns?

For most investors, the return of the S&P 500 Index is considered the return of “the stock market.” The S&P 500 index was up 11.96% for the year. But it is best not to think of the return of the S&P 500 as equivalent to the return of stocks. The S&P 500 represents Large-Cap US stocks which is just one half of one asset class. In recent years, the S&P 500 has appreciated more than other stock categories. In other years, the S&P 500 has underperformed those same stock categories.

This year, the S&P 500 underperformed Mid-Cap Value and Small-Cap …

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Mailbag: What Do You Think About The Elliott Wave Principle?

Mailbag: What Do You Think About The Elliott Wave Principle?

A friend of mine swears by using Elliott waves to determine when to get in and out of markets or various sectors or even individual stocks.

His charts show that Elliott Wave Theory has predicted nearly every market correction and he says that while people don’t always apply it properly it can successfully predict everything that is associated with human behavior.

I’ve learned enough to know that Elliott Wave Theory is based on some powerful math and Fibonacci sequences and fractals but I don’t know how to evaluate the claims.

Also, there are dozens of people claiming to use Elliott

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