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Apply These Basic Principles to Reach your Financial Goals

Written by Tim Decker, AIF®. Posted in Central Penn Business Journal

Much has been said and written on the secrets of successful investing. Yet these prescriptions are anything but secret—there’s nothing new under the sun—and these so-called secret strat-egies can’t be counted on to produce results.

There is no one thing, no silver bullet, that can guarantee suc-cessful investment returns. People who look for a silver bullet are look-ing for an easy way to achieve investing success. But there simply is no easy way.

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Self-proclaimed financial gurus: Less accurate than a coin toss

Written by Tim Decker.

You’ve doubtless heard the saying, “Beware of strangers bearing gifts.” You should also beware of “gurus” bearing predictions.

crystal-ballThese gurus are ubiquitous. It’s kind of like predicting the winner of a football game: No one focuses on the wrong predictions after the actual outcome, so these gurus aren’t held accountable. They are able to stay in business when, in fact, they are often no better than snake oil salesmen, promoting their own agendas, usually in the form of products or services. Self-proclaimed financial gurus are a plague to investors, because many people will act upon their predictions, to the detriment of their portfolios. The fact is that more often than not, these gurus’ forecasts are wrong. 

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Wise Money | Do a Reality Check on Your Retirement Finances

Written by Tim Decker, AIF®. Posted in The Patriot News

I know I'm not saving enough for retirement, and a lot of my friends are in the same shape. How common is this, and what can people do about it?

Quite common. This problem is highlighted by the American Savings Education Council. The last week of February was America Saves Week, but few people are aware of this designation or are concerned about it, though they should be. Research shows that Americans collectively are several trillion dollars short of where they should be regarding retirement savings.

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Successful Investing - Science or Art?

Written by Tim Decker.

Is investing an art or a science? This is an issue that vexes many individual investors and professionals alike.

art of investingIf you view investing as being completely art, then you may see no clear path to successful investment returns. In that case, you might as well throw up your hands and view yourself as being subject to immeasurable, unpredictable and unknowable forces. According to this view, success would come to the lucky or the divinely inspired. On the other hand, if you view investing as a science, you will likely end up disappointed that you couldn’t control or predict outcomes as precisely as you could, say, chemical reactions in a laboratory. As a result, unexpected events cost you a lot of money.

On the Air

newsradio-WHP-webTim Decker hosts the weekly radio show “Financial Freedom” on WHP 580 AM Harrisburg every Saturday at 10:00 am Eastern.

He brings his extensive knowledge and over 28 years of experience to the discussion of current financial and wealth management topics. Each show also includes a Q&A session when Tim provides straightforward, unbiased answers to questions from callers. This is the program that represents your best interests, not Wall Street's.

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The Sleep-Well-at-Night Investor

The-Sleep-Well-At-Night-Investor

ISI Financial Group helps clients take all necessary steps to properly develop and implement a holistic financial plan using evidence-based, time-tested strategies centered around financial science. In his book, “The Sleep-Well-At-Night Investor,” Tim Decker shows readers how misinformation from the mutual fund industry has created widespread harm amongst investors. The book also discusses the temptation to think of investing like gambling, and the tragedy of gambling away savings and security under the guise of investing.

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