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Why New Funds are Best Avoided

The retail mutual fund industry has long been known for their slick marketing in their ongoing efforts to entice consumers to invest with them. In this brief, three-minute video we cut through and expose some of their deceptive tactics and help you become better informed.

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Investors Really Need to Know Themselves

There’s a simple reason why the evidence clearly shows that the vast majority of investors, when attempting to “go it alone,” end up underperforming the returns available to them in the markets – emotions.

In this brief, 3-minute video, learn more about why I regularly say, “Successful investing is 1% intellectual and 99% behavioral.”

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Even Fund Managers Can't Identify Future Outperformers

A study done by Cambridge University once again demonstrates why the vast majority of money managers who attempt to outperform markets by choosing certain stocks or engaging in market timing, simply fail. And, by building beautifully diversified portfolios of low-cost asset class funds (or at least low-cost index funds), one can avoid playing the loser’s game of speculation, which is at the root of active management and unfortunately how most continue to invest.

Please enjoy this brief, 3-minute video.

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Performance Chasing

Long-term, historical academic evidence demonstrates that over time there are certain “factors” that can provide somewhat higher expected (albeit never guaranteed) returns vs. simply holding a capitalization-weighted market index. Some of these factors that can potentially add a premium return include value stocks, small company stocks, and stocks of companies who have demonstrated consistent profitability.

However, many who attempt to add these premium factors to their portfolios don’t ever reap the rewards of these higher expected returns because they are impatient and get lured into chasing recent performance of whatever has been “hot” of late. Behavioral psychologists identify this behavior as recency bias.

In the following brief, three-minute video we discuss some of these factors with Morningstar and how investors often end up with subpar performance because of their own behavior.

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Investment Tips from an Industry Insider

Minimizing investment transactions and expenses and not attempting to outsmart the markets via market timing or stock picking are hallmarks of successful, evidence-based investing. In this brief, three-minute video, another respected academic explains in simple terms why this is so important. Enjoy, and as always, feel free to pass it on to your family and friends.

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The Line Between Active and Passive Is Increasingly Blurred

Wall Street and financial services companies are infamous for slick marketing phrases, and continuously rolling out products with psychologically appealing names. In this brief, 3-minute video, we look at one of the most recent products that has been strongly marketed over the past few years using the name, “Smart Beta.” Unfortunately, most of these products are quite expensive, and are usually nothing more than attempting to mimic what Dimensional Fund Advisors has been doing for years, which is essentially tilting a portfolio toward asset classes with higher expected returns, such as value and smaller company stocks. I hope you enjoy this informative video, and if so, feel free to share it with family and friends.

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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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