Evan M. Levine, ChFC's Answers and Guides
Level 20 Contributor
111 Answers and 23 Guides
To an extent, I would argue against all of these answers because I think it's even simpler. The critical investment decision is simply the mix of Stocks, Bonds and Cash. ( Have we lost sight of the Brinson hood beebower study?) If you spoke through a
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To an extent, I would argue against all of these answers because I think it's even simpler. The critical investment decision is simply the mix of Stocks, Bonds and Cash. ( Have we lost sight of the Brinson hood beebower study?) If you spoke through a telephone wire you would sound like Charlie Brown ( wha wha wha) unless there is a "Smoothing Kernel" which removes 90% of the noise so the communication is clear.
Most of the answers above include a lot of "noise" ETF's vs Mutual Funds, Big Cap Vs.Small Cap. Target Date et cetera because they account for ONLY ABOUT 10% OF YOUR RESULT. 90% comes from the basic decision: What is your mix of stocks bonds and cash? And are you well diversified? ( And of course.... are you investing enough to reach your goals?) Have a great day, Evan.
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