High AUM based fees devastate the growth of individuals accounts in small 401(k) plans and it is not necessary. It is NOT a foregone conclusion that small plans have to high AUM based fees!
Your Q3 2017 Report is Here
Post Equifax Data Breach Ideas
401(k) Workshop Oct. 17 - Open for Flyer
H.U.D. Reverse Mortgage Policy Change - Short Fuse!
401(k): From possible to probable, from reasonable to competitive
So, let’s increase the level of 401(k) oversight beyond what is required! In our view plans should have “competitively low fees” (not just reasonable) and the plan should “make it probable” (not just possible) that an employee in the plan has a reasonable portfolio and therefore experiences solid growth. This can be done with no additional effort!
Portfolio Performance, Market Behavior as of 6/30/2017 Posted Here
O'Reilly Wealth Advisors Announces 10/17/17 401(k) Workshop & White Paper
What is the Greatest Opportunity to Improve 401k Plans Today?
A Unique Way to Define Good Investing - Challenge the mainstream!
1st Quarter 2017 Market & Model Portfolio Report
13 Things You Should Give Up If You Want To Be Successful
Great post published on December 26, 2016 by Zdravko Cvijetić on LinkedInSee all 13 presented very briefly here.
Baby Boomers in Business...Soon to Exit....
My "Inner Nerd" Loves When Data Shatters Preconceived Notions
Each time a month finished at a new S&P500 high - they looked at the S&P500 12 months later and found that 80.5% of the time, the S&P500 was higher not lower! When they looked at ALL the months across those 91 years - 74.7% of the time, 12 month later, the S&P500 was higher. Very close numbers, very slightly favoring higher markets when starting at a new high!
2016 Market Review (incl Q4) and Quarterly Model Portfolio Performance
It was a very good year. The small cap premium and value premium were potent in USA with Russell 2000 Value index up 31.7% vs Russell 2000 at 21.3%. In large cap the Russell 1000 Value Index was up 17.3% vs. Russell 1000 at 12.7%. S&P500 11.96%. Our models take advantage of these persistent and pervasive market behaviors by including them at slightly higher market weighting.