Oblivious Investor

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Investing Blog Roundup: Less Time Working, More Deep Work

This week I enjoyed two articles discussing workplace experiments about how different changes to the workday (or workweek) affect productivity.At least for me, whether it’s writing, research, or coding, I cannot come remotely close to cranking out 8 consecutive hours of productivity with...

2020 Tax Brackets, Standard Deduction, and Other Changes

Last week the IRS published the annual inflation updates for 2020. As was the case for 2019, it’s really just regular inflation adjustments, as opposed to the major legislative changes we had two years ago (i.e., effective for 2018).If you have questions about a particular amount that I do...

Investing Blog Roundup: The Best Predictor of Stock-Fund Performance

Morningstar’s John Rekenthaler recently wrapped up a three-part series about a piece of research that found a metric for selecting mutual funds that has considerably better predictive value than simply picking funds with low expense ratios. I would encourage you to read the series in its entirety th...

Why It’s Hard to Pick Stocks

A friend (who works in a field as far removed from finance as a field can be) recently asked me why I do not invest in individual stocks. Rather than trying my normal direct explanation, I replied with the following analogy. It’s not perfect, but I think it got the point across. Hopefully yo...

Investing Blog Roundup: Finding Good Financial Advice, at a Fair Price

How do I find a financial advisor? How much should financial planning services cost? How do I evaluate financial advisor candidates?These and other similar questions come up a lot in my email inbox. Jim Dahle recently provided a balanced take on the topic of finding/evaluating an advisor. Fr...

Vanguard’s Upcoming “Digital Advisor” Program

In the last couple of weeks several readers have requested that I discuss Vanguard’s upcoming Digital Advisor program.So far, we don’t really have any information other than what is included in the brochure Vanguard filed with the SEC with regard to the program. As far as what the program is, it lo...

Investing Blog Roundup: Problematic Probability of Ruin

There are plenty of ways to evaluate a retirement plan. (For instance, here’s a paper from Wade Pfau, Joe Tomlinson, and Steve Vernon discussing 8 different metrics for evaluating retirement spending/portfolio strategies.) By far the most common though is “probability of running out of m...

Can a Year of Low Earnings Reduce My Social Security Benefit?

A reader writes in, asking:“I’m in the not-quite-retired-but-probably-could-afford-to-if-I-wanted-to stage of my career. I am pondering many options, including cold-turkey retirement, switching to fewer days per week, or retiring but starting a new type of work that I hope would be more fu...

Investing Blog Roundup: Interest Rates and Social Security

From time to time I receive emails from people using the Open Social Security calculator who want to know: why is it giving me a different answer than it gave me last time I ran it?The answer (unless you’re changing inputs on your own) is usually interest rates. By default, the calculator ...

Dividend Reinvestment FAQs

I thought I’d do something different with today’s article. Below are a few questions — from different readers — about various aspects of reinvesting dividends. None of them required a long enough answer to constitute its own article, but the topics in question are likely to be of interest to other...

Investing Blog Roundup — Wellness: What Actually Works

My favorite read this week was not directly finance-related at all. Rather, it’s just a brief, research-founded discussion of things that we know work to improve wellbeing in various parts of your life (physical health, mental health, work-life, etc.). As with the best personal finance...

Risk Adjusted Returns: What’s the Point?

A reader writes in, asking:“I don’t understand the point of ‘risk adjusted’ returns. All I’m concerned with is actual returns. If a change to my portfolio ‘improves’ my risk adjusted return but does not improve the actual return, it doesn’t seem like I actually benefit from it.” I’m sure you w...
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YES BANK Photo 2018-06-07 04:43

Rana Kapoor, MD & CEO, YES BANK - “RBI’s unanimously delivered 25bps hike has been balanced with a neutral stance, reinforcing MPC’s alacrity to retain inflation within its 4.0% target amidst hitherto buildup in price pressures led by crude prices. The rate action comes at a time when economic recovery now appears to be on a firmer footing. This stance allows RBI the choice to act in accordance with evolving macro and financial conditions, in both global and domestic economy in the coming months. Amidst many moving parts, this will entail a careful balancing of global headwinds from elevated crude prices, geopolitical tensions, and domestic policies of MSPs, state pay commissions on growth-inflation dynamics.” #RBIPolicy