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Investing

Fight The Allure of Low Prices

by Luke Landes

The advice I hear most often is to stay away from high-priced mutual funds and go for the low cost index funds instead. The logic behind this is that you pay for fund management with no guarantee that the fund will beat its index. Extending this logic, one might think it would make sense to ... Continue reading this article…

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Rock Beats Scissors, Cash Beats Stocks?

by Luke Landes

An analyst with JP Mogran Chase is making some predictions. Abhijit Chakrabortti believes the Fed will raise rates from the current 3.75 percent to 4.5 percent by the beginning of next year. He also foresees stocks having a flat year in 2006. Is it time to move out of the market, or is 2006 going to be ... Continue reading this article…

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The Spam Stock Portfolio

by Luke Landes

I get mounds of spam every day, a good portion of which is full of stock recommendations. Joshua received similar emails, and decided to put the unsolicited advice to the test. How well would you guess this portfolio performed? What if I purchased 1000 shares of stock from EVERY stock tip mentioned in a SPAM ... Continue reading this article…

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Staying Away From Fund Fees

by Luke Landes

MSN Money is carrying an article suggesting ways to get around mutual fund fees. As mutual funds have become more complex, fund companies need to spend more on marketing to explain their products. The expenses are then, as one would think, passed along to the customer. Timothy Middleton suggests “marching straight into the new reality” ... Continue reading this article…

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Are You An Investor Or Speculator?

by Luke Landes

Mark Cuban has presented an editorial on the differences between investing and speculating. He proposes that investors no longer exist and the vast majority of those in the market are speculators. He concludes with his own opinion about how corporate profits distributed to shareholders should be taxed. True investors in businesses would not be taxed, ... Continue reading this article…

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Consensus View is Better Than Experts?

by Luke Landes

In one point of view, “the masses” are wrong about financial issues (Part One and Part Two). On the other hand, some believe that the general populace on the whole outsmarts even the experts. That’s the basis of the book The Wisdom of Crowds by James Suroweicki. To prove his points in his book, he ... Continue reading this article…

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What Are You Afraid Of?

by Luke Landes

CNN Money has an extensive feature on how general consensus is wrong again. The articles look at the biggest money fears, how they may be unreasonable, and what should worry the public instead. Here are the first three from the series. The remaining three appear in a follow-up post here at Consuermsim Commentary. While Americans ... Continue reading this article…

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Hedge Funds in August

by Luke Landes

So the Barclay Group, which monitors hedge funds states that hedge fund investments gained 1.01 percent in August while the stock market fell 1.5 percent. While the 1.5 percent drop is before fees, there is no information regarding the net return of the hedge funds. Considering the high fees involved, the real returns may be ... Continue reading this article…

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ShareBuilder $50 Promotion Updated

by Luke Landes

Click here for the latest Sharebuilder promotion, a $50 bonus. I have been participating in ShareBuilder’s $50 bonus promotion which offers the free cash to those who open a new account online with a certain coupon code. Originally, I funded the account with $50 from my checking account and invested in $46 worth of IYZ, ... Continue reading this article…

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Investing After Katrina

by Luke Landes

Here are some articles that touch on how to concentrate investments post-Katrina. Jim Jubak says stay away from sectors that will take a strong hit due to rising energy and commodity prices in addition to retailers that rely on low-income consumers. Instead, head towards companies that stand to gain the economic shift that Katrina has ... Continue reading this article…

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Scottrade Experience Thus Far

by Luke Landes

A few weeks ago, Richard asked: I have been having an “issue” with Schwab over their $45 inactivity fee & $95 termination fee. Next week I shift over to Scottrade. How is Scottrade treating you? Do they allow dividend reimbursement of stocks in your portfolio? (I heard they once did not.) I am looking forward ... Continue reading this article…

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Sweep Account Interest Rates

by Luke Landes

Any investment account at a brokerage usually has an associated cash account in which proceeds from sales and dividends are deposited, usually in the form of a money market fund. According to this free Wall Street Journal article, investment banks are purposely moving investors’ cash funds into accounts that earn less than typical money market ... Continue reading this article…

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Derivatives, The Future of Investing?

by Luke Landes

CNN Money is featuring an article discussing derivative investments, in particular, investments designed for the small investor to hedge his or her bets. HedgeStreet is a company that lets people speculate on economic events, such as gas prices hitting $3.00 by a certain date. This hedge, for instance, might be good for someone with a ... Continue reading this article…

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Contrarian Attitude to Investing

by Luke Landes

I don’t normally read Charles E. Kirk but I do have The Kirk Report in my RSS feed reader, so once in a while, I might come across something in which I find myself very interested. Today, Charles mentioned an article he wrote more than a year and a half ago called Walking a Stock ... Continue reading this article…

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Your Money Is Dumb

by Luke Landes

(It’s all right, mine is, too.) Here’s a lovely article from Slate, You and Your Dumb Money. The author succinctly explains the difference between smart investors and dumb: Smart money (big-time hedge-fund managers, private-equity honchos, leveraged buyout kings) reliably outperforms the market. Dumb money (individual investors, the sort of people who casually watch CNBC for ... Continue reading this article…

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$50 Bonus From ShareBuilder

by Luke Landes

Updated June 24, 2010. Jonathan at MyMoneyBlog tipped me off to a deal at ShareBuilder, an online brokerage that lets customers invest small amounts with a low fee structure. I didn’t qualify for Jonathan’s CostCo discount as I’m not a member of the shopping club. It did inspire me to perform a Google site search ... Continue reading this article…

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The Golden Ratio and the Market

by Luke Landes

There are a lot of crazy theories about movements of the stock market. Take a look at Elliott Waves for instance. Supporters believe the tenets of Elliott Wave Analysis like a religion, while those who disagree believe the theory is bunk. Have you ever heard of the golden ratio? It is related to the Fibonacci ... Continue reading this article…

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Peek Into Supreme Court Nominee’s Portfolio

by Luke Landes

Slate has an interesting article on Supreme Court nominee John Roberts’ portfolio. Can you tell an individual by his or her investments? Most of the article talks about Roberts’ stock holdings (Coca Cola [KO], AT&T [T], XM [XMSR]), but it also mentions that his bank accounts amount for the largest portion of his holdings, between ... Continue reading this article…

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Money Clubs?

by Luke Landes

Marshall Loeb mentions the popularity of money clubs, akin to the investment clubs of the 1990s. Much like other sorts of support groups, money clubs offer the unique opportunity of belonging to a group of people with similar desires, who can encourage, inform and brow-beat you as needed. (This sounds very much like the community ... Continue reading this article…

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These Rules Don’t Work

by Luke Landes

I like this article from MarketWatch that presents five investing rules that don’t work. You may have heard these investing clichés before, but clichés come a dime a dozen: Subtract your age from 100 to determine the percentage of your investment that should be in stocks. This would present an overly conservative portfolio for most ... Continue reading this article…

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