Jack Bogle

  • 01 Nov
    Are You Saving Enough? Probably Not, Here’s How You Can

    Are You Saving Enough? Probably Not, Here’s How You Can

    • Today, I’ll discuss Thaler’s Save More Tomorrow concept and the behavioral issues that impact how much we save and invest.
    • Secondly, I’ll dig into how much someone is supposed to save and invest to reach a future target.
    • I’ll conclude with this question: are you saving/investing enough?



    Introduction

    Yesterday, we discussed Nobel prize winner professor Richard Thaler’s findings in the field of behavioral finance.

    Thaler’s findings can really help us to lower our investment risks and increasing our returns. However, investing isn’t only about picking the right stock or properly timing a trade, it’s also about carefully allocating our capital in investing in the first place, thus saving for investing. More →

  • 21 Jun
    Diversification vs. Concentration

    Diversification vs. Concentration

    • Index funds and diversification have worked extremely well in the past 35 years, however their success can be thanked to geography, as we hear only about the success in the U.S., and to declining interest rates.
    • If the S&P 500 had the same earnings yield as when the Vanguard fund gained traction, it would be at 557 points, yes 77% below current levels.
    • It’s better to wait in cash than buy a diversified index fund now.

    Introduction

    Some investment gurus advocate spreading your portfolio across various asset classes in order to limit your risks for the same return. On the other hand, others say diversification is for idiots and for those who don’t know what they’re doing. I’ll analyze their arguments and see what the best option is for you. More →