Oblivious Investor

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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...

Investing Blog Roundup: Investors Do Better with All-In-One Funds

Morningstar recently released the annual update to their “Mind the Gap” study, which looks at how well investors do with various categories of mutual funds. That is, it specifically looks at how investors do as compared to the investments — looking to see whether investors make good or bad decis...

Working as an Advisor at Edward Jones: Ethical Qualms

A reader writes in, asking:“You have mentioned a few times that you were a financial advisor with Edward Jones early in your career. My oldest child will be graduating in May next year, and a local Jones advisor/manager is trying to recruit her to come on board as an advisor after graduation...

Investing Blog Roundup: CFP Directory Not Disclosing Disciplinary Information

There’s been something of a hullabaloo in the last two weeks as a result of a WSJ article about the LetsMakeAPlan website (a directory of financial planners, run by the CFP Board). The WSJ found that the website often does not disclose information about a CFP’s history of discipline by regulat...

Getting out of the Market in Retirement?

A reader writes in, asking:“An acquaintance emailed recently to ask input on her portfolio. She said her ultimate goal is to get out of the stock market. This woman and her husband are both retired and in their early 70s I think, with no extreme wealth. I assume they are comfortable enough but...

Investing Blog Roundup: Preparing for the Possibility of Cognitive Decline

One concern I know many readers here share is the possibility of diminished cognitive ability as they age. Many of you who are already retired have mentioned to me that you have opted to simplify your portfolios (in some cases switching to an all-in-one fund). And some of you have mentioned such...

The Effect of Taxes on the Social Security Filing Decision

A reader writes in, asking:“Could you write something explaining the effects of taxes on the age you decide to begin Social Security. Especially since RMD’s may be delayed to age 72 under new legislation. Also, my state doesn’t tax Soc. Sec. benefits. Thanks.” In most cases I have looked at,...

Investing Blog Roundup: Taxes Made Simple, 2019

The 2019 editions of Taxes Made Simple and my book about taxes for sole proprietors are both now available. In contrast to the major changes that were necessary from 2017 to 2018 (due to the new tax law), the changes from 2018 to 2019 were relatively modest — inflation adjustments to various figures...

Simplifying a Retirement Bucket Portfolio

A reader writes in, asking:If you were developing different “buckets” for a portfolio in retirement, what funds would you use for each bucket? For our immediate 1-3 years, I have assigned that duty to the Vanguard Ultra Short Bond Fund. It has a duration of one year, and does not have an...

Investing Blog Roundup: “More Art than Science”

I’ve published ten books (not counting follow-up editions of various titles). Nine are still in publication.Of those nine books, one of them generates 45% of the total revenue — almost as much as the other eight books combined. Prior to publishing the book in question, I would never have g...

“Don’t Sell Stocks During a Downturn”

A reader writes in, asking:“I’ve read everywhere that, if retired, one should have money to live on, invested in other than equities to protect against a market downturn (to reduce sequence of return risk, and to try to avoid locking in big losses, especially in the first 10 years of...
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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