Archive for January, 2009

One thing I know for certain is that by nature, on the whole, people are poor investors. We are driven by fear and greed, and by the good or bad news we’re inundated with on a daily basis. This clouds the vision necessary to stay the course and makes it very difficult to keep a […]


As everyone knows, we’re right in the middle of one of the toughest economic periods our country has ever faced. In many cases people have seen their investment accounts, 401(k) and non-401(k), cut nearly in half. In some cases it’s even worse than that. This creates so much uncertainty and panic for the average investor, […]


A fully operational 401(k) Plan has numerous parties involved. In fact, there could be upwards of six or more third party service providers working on a plan at any given time. From the custodians, or “banks”, to the record keepers, administrators, investment advisors, auditors and actuaries, there is a lot of work to be done. […]


In these tough times one thing we know for sure is that the equities markets have beaten down severely. We also know that the majority of investors’ accounts are now over-weighted in fixed income. What I mean by that is anyone holding any portion of their accounts in equities, even a small portion, have lost […]


History would give a big confident “yes” to this question, as market moves in the month of January have nearly always forecasted what’s to be expected through the year. In fact, according to the Stock Trader’s Almanac, an up market in the month of January has led to an overall positive year 90% of the […]