Which Political Party is Better for the Stock Market? Democrats or Republicans?

Posted by Carl Sera on Apr 8, 2016 10:50:32 AM

Presidential Analysis

The November Presidential election will be one of firsts.  Should Hillary Clinton win she would become our first female President.  If Bernie Sanders were to win, he would be our first Socialist President.  If Donald Trump were to win, we would have our first Billionaire President and if Ted Cruz were to win, we would have our first President with Cuban heritage.  This leaves John Kasich as the only candidate that would not be one of firsts. 

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Topics: Stock market, politics

Are Target Dated Funds the Best Option?

Posted by Carlos Sera on Feb 26, 2016 12:14:29 PM

To determine if defaulting employees into Target Dated Funds or Glide Path Funds is a good thing, one must first examine the alternatives. An examination of the history of asset allocations by employees before Target Dated Funds were the default option tells us that it is.

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Topics: Articles, retirement

Retirement Planning: Target Dated Funds vs. Passive Index Funds

Posted by Carl Sera on Feb 22, 2016 9:23:22 AM

In addition to Target Dated Funds, many investors buy passive index funds for their 401k, 403b and IRA retirement plans.  They do this systematically out of every paycheck.  They have recently seen the three major indices fall by over 10% and many are asking what they should do during this market correction.  Many are asking questions such as which index will lose the least on the way down should the trend down continue and which ones will rally first if the trend reverses.

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Topics: Retirement Tales

Investment Strategy: INDICES Up vs. Down Markets

Posted by Carl Sera on Jan 27, 2016 2:58:29 PM

In addition to Target Dated Funds, many investors buy passive index funds for their 401k, 403b and IRA retirement plans.  They do this systematically out of every paycheck.  They have recently seen the three major indices fall by over 10 percent, leaving many to wonder what they should do during this market correction. 

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Topics: Articles, Stock market

Is Stock Market Volatility Here to Stay?

Posted by Carl Sera on Jan 15, 2016 3:07:41 PM
Is stock market volatility here to stay?  The answer is yes - absolutely yes.  You see, volatility is just a fancy term for uncertainty, and uncertainty will always be with us.  If the question were rephrased to say is high volatility here to stay then the answer is no - absolutely no.

Why is this? Stock market volatility, as measured by the VIX, is a mean reverting measure, which means that what goes up must come down, and what goes down must come up.  So with recent volatility levels in the mid-20’s, and the historical average volatility around 18, you can expect a drop.  When it will drop is anyone’s guess. 

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Topics: Articles, Stock market

What Is Tax Efficiency?

Posted by Carlos Sera on Jan 8, 2016 11:00:00 AM

Have you ever heard the phrase tax efficiency or tax efficient portfolio?  Whenever I hear it my muscles tighten up, I get a little nervous, I lean forward to hear better and prepare to be wowed.  Not long after, whatever the opposite of wowed is, I am.  Once I realize that nothing has changed on this topic since the advent of governments taxing people on their investments, I scold myself for allowing this topic to capture so much of my attention.  Nevertheless, I have never written a piece on this topic and thought I would share my thoughts.  I urge you to prepare for some wow.

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Topics: Articles, Taxes

The Financial Advice I Wish I'd Known Then

Posted by Carlos Sera on Jan 6, 2016 8:30:00 AM

One of my favorite musicians is Bob Seger. I saw him perform live while in college and he left a lasting impression. The first time I heard the song “Against the Wind” I was living in Seger’s hometown of Detroit, and the song only elevated his status. I think it is brilliant; containing one of the most poetic and philosophical lines of any song: “Wish I didn’t know now what I didn’t know then.”  As soon as I heard it, I knew it would be part of my permanent collection of things to ponder.  While he wrote it as mid-thirties musician reflecting on his teenage years, it is applicable at any age looking backwards.     

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Topics: finance, Behavioral Tales

Why Diversification is Temporarily Broken: A What to Do Today Tale

Posted by Carlos Sera on Dec 23, 2015 9:32:00 AM

This tale is a major departure from my other tales.  The last time I actually made a market call was in October of 2008.  It was a bullish market call since it was clear to me that stocks were cheap, quality Blue Chip stocks were paying high and sustainable dividends, and the future of the stock market would be one of reduced volatility. 

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Topics: FINANCIAL TALE, Stock market, Volatile Tales

Why Shouldn’t I Use a Financial Checklist?

Posted by Carlos Sera on Dec 23, 2015 8:30:00 AM

"So Carlos, what do you think about when you step up to the tee on a par 5?"  

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Topics: Investing, financial checklist

The Importance Of Technical Analysis: "Why I Became A Chartered Market Technician"

Posted by Carl Sera on Dec 16, 2015 2:36:38 PM
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Topics: Articles, Stock market

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