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You are here: Home / Archives for Beginning Investors

Retirement Planning Mistake #2

October 26, 2013 By Lowell Herr

Prospective investors carry too much credit card debt.  This mistake is a corollary of Mistake #1.  Stay out of credit card (CC) debt.  Mistake #2 is not so much an investor mistake, but rather a mistake of bad management as it has nothing to do with managing a portfolio.  If one ever aspires to be […]

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

Retirement Planning Mistake #3

October 28, 2013 By Lowell Herr

  Many investors are too conservative at an early age.  In other words, they are “stock market shy.”  Don’t load up your portfolio with bonds when you are in your twenties and you have forty years to save. Let me illustrate this mistake with a real example. Husband and wife saved identical amounts during their […]

Filed Under: Beginning Investors, Critical Material, Retirement Planning Tagged With: 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 have written extensively about this possible mistake. […]

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

Retirement Planning Mistake #5

October 30, 2013 By Lowell Herr

Investors pick individual stocks to build portfolios rather than use index funds.  Our preference is to use commission free ETFs. Next to not following “The Golden Rule of Investing,” the error of not using index funds is likely the biggest mistake investors make.  Remember – The Market is smarter than you are.  While there are […]

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

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 certain portfolios, but it is rather rare. Investors inclined toward picking […]

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

Why Use Index Funds?

December 12, 2013 By Lowell Herr

The Power of Index Investing Why are 80% to 85% of all investors wrong?  Could it be the power of advertising and greed?  What do I mean when I say a high percentage of investors have it all wrong?  Simple!  The majority of investors build their portfolios by selecting individual stocks.  While we do not […]

Filed Under: Beginning Investors, Critical Material Tagged With: Beginning Invesors, Index Investing

Strategic Asset Allocation: A Starting Point For Portfolio Construction

December 29, 2013 By Lowell Herr

Much is made of the importance of asset allocation here at ITA Wealth Management.  Long-time readers are familiar with the general layout of the portfolios and new readers will find more information by doing a search for “Dashboard.”  Not all portfolios tracked on this blog use the seventeen asset allocation classes, but we want to […]

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

Useful Website: Transparent Investing

March 10, 2014 By Lowell Herr

Last evening I was made aware of a useful and interesting website titled, Transparent Investing.  Even if you lose track of this blog you will be able to find this site by going to the ITA Blog tab, and then scrolling down to Bookmarks.  There you will find the link to the Transparent Investing (TI) […]

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

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