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You are here: Home / Archives for Lowell Herr

Why I Use ETFs Instead of Individual Stocks

November 21, 2013 By Lowell Herr

Approximately 80% of all investors use individual stocks to populate their portfolios.  So why buck the majority trend and use index ETFs?  That is a reasonable question that merits an answer.  In fact, several answers.  Confession:  I do select a few individual stocks for

Filed Under: Beginning Investors, Critical Material Tagged With: Beginning Investors

Music Recommendations for 10 November 2013

November 10, 2013 By Lowell Herr

Two music suggestions are coming your way this week as not everyone will enjoy the jazz recommendation.  Recently recommended to me was “The Complete Django Reinhard and Quintet of the Hot Club of France.”  Classic Early Recordings is the closest I could come to the collection I was able to

Filed Under: Music Tagged With: Music Recommendations

Retirement Planning Mistake #10

November 4, 2013 By Lowell Herr

Investors do not monitor their portfolio adequately. Rare is the investor who can place their hands on the Internal Rate of Return (IRR) of their portfolio. An even smaller percentage of investors know how well their portfolio is performing with respect to an appropriate benchmark. The

Filed Under: Critical Material, Retirement Planning Tagged With: Retirement Planning

Retirement Planning Mistake #8

November 2, 2013 By Lowell Herr

Over confident and lacks patience. Over confidence and lack of patience manifests itself in a number of ways. If you think you can beat the market by picking individual stocks, be very careful.  If you want to test your skills, set up two portfolios.  Use a passive approach with one

Filed Under: Retirement Planning Tagged With: Retirement Planning

Retirement Planning Mistake #7

November 1, 2013 By Lowell Herr

Lack of Portfolio Plan Do you have a portfolio plan and is it written down?  If you can lay your hands on a plan, you are a rare investor.  What is involved in specifying a Strategic Asset Allocation plan? A portfolio plan will first of all identify all the asset

Filed Under: Retirement Planning Tagged With: Retirement Planning

Retirement Planning Mistake #6

October 31, 2013 By Lowell Herr

 It is a mistake to think your portfolio is properly diversified simply because you have chosen stocks or index funds across differing sectors. That’s not enough.  Investing across all sectors will not coverall asset classes, but investing across all asset classes will cover all sectors.  There is a big

Filed Under: Retirement Planning Tagged With: Retirement Planning

Retirement Planning Mistake #5

October 30, 2013 By Lowell Herr

This celestial object looks like a delicate butterfly. But it is far from serene. What resemble dainty butterfly wings are actually roiling cauldrons of gas heated to nearly 20 000 degrees Celsius. The gas is tearing across space at more than 950 000 kilometres per hour — fast enough to

Filed Under: Beginning Investors, Critical Material, Passive vs. Active, Retirement Planning Tagged With: Critical Material, Retirement Planning

Retirement Planning Mistake #4

October 29, 2013 By Lowell Herr

  Investors lack knowledge about the importance of asset allocation.  Investors do not educate themselves as to the importance of asset allocation, and what asset classes tend to perform better than others over the long-run. I need not go into the importance of overcoming this mistake as I

Filed Under: Beginning Investors, Critical Material, Retirement Planning Tagged With: Critical Material, Retirement Planning

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