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2016 in the Rearview Mirror

Written by Tim Decker.

Resolutuion-New-Year-Chapter-OneEvery year brings its share of surprises. But how many of us could have imagined that 2016 would see the Chicago Cubs win the World Series, Bob Dylan receive the Nobel Prize in Literature, Donald Trump elected president, Brexit, and the Dow Jones Industrial Average closing out the year with record highs and only a whisker away from 20,000?

The answer is very few, if any—a lesson you will be wise to remember, as evidenced when looking back at last year.

At year-end 2015, financial optimists seemed in short supply. Not one of the nine investment strategists participating in the January 2016 Barron's Roundtable expected an above-average year for stocks. Six expected US market returns to be flat or negative, while the remaining three predicted returns in single digits at best. Prospects for global markets appeared no better, according to this group, and two panelists were sufficiently gloomy to recommend shorting exchange-traded emerging markets index funds.1

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The Active Passive Powerhouse

Written by Tim Decker.

AdobeStock 84639142Evidence-Based Investing and the benefits of working with a DFA affiliated financial advisor

For years it has been assumed that you have to be either an active or passive investor. It is also assumed (depending on which camp you're in) that one is better than the other. In my opinion, the argument over active vs. passive management can be put squarely to bed. And the answer to which investing strategy we use is...Both. This is called evidence-based investing, and it is a strategy used by a company whose funds we are extremely fortunate to use on our clients' behalf ---Dimensional Fund Advisors (DFA).

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Five Things to Consider for Financial Success

Written by Tim Decker.

Financial SuccessWhat is Financial Success?

If we look at society and societal norms, a lot of weight is given to success when it comes to defining happiness. If we see a person who is successful, it is often assumed that they are happy. On an existential level we should consider what it all means. In reality, we actually have no idea whether or not that person is either happy or successful, for a couple of reasons. First of all, we can only measure someone else's success or happiness by what we know about them. Secondly, and more importantly, we can only measure someone else's success or happiness by how we define success and happiness. There is really no way of knowing whether their measures are even similar to our own.

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Presidential Elections and the Stock Market

Written by Tim Decker.

polls-voting

In a few days, Americans will head to the polls to elect the next president of the United States. In a recent article last month, I emphasized the importance of not allowing the upcoming presidential election to impact your personal financial plan and how you invest. Well, Election Day is now only days away. And while the outcome is unknown, one thing is for certain: There will be a steady stream of opinions from pundits and prognosticators about how the election will impact the stock market. As I emphasize and explain again below, investors would be well‑served to avoid the temptation to make significant changes to a long‑term investment plan based upon these sorts of predictions.

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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