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How much should I be saving?

How much should I be saving?

Beginning with the first paycheck you received, you’ve likely been hearing a consistent message from family, friends and employers encouraging you to save for retirement.  While this is certainly invaluable guidance, it’s not clear to most how much should be saved to reach a goal of financial independence.  Are you on track for a successful retirement? 

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Investment Update November 2015

Investment Update November 2015

Shaken Not Stirred

James Bond usually gets roughed up pretty good as he goes about his missions, but invariably comes out golden in the end. And like 007’s infamous martini, global stocks markets were shaken in August and September, only to recover vigorously in October as the S&P had its best month since 2011 with an 8.4% return. 

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Kids Need Financial Role Models

Kids Need Financial Role Models

By Michelle Singletary, Washington Post

...
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Client Letter November 2015: Shaken Not Stirred

Client Letter November 2015: Shaken Not Stirred

James Bond usually gets roughed up pretty good as he goes about his missions, but invariably comes out golden in the end. And like 007’s infamous martini, global stocks markets were shaken in August and September, only to recover vigorously in October as the S&P had its best month since 2011 with an 8.4% return.

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1454 Hits

Nice Job Mr Gentile

Nice Job Mr Gentile

TWM News

Nice job, Mr. Gentile. Congrats to TWM’s Jordan Gentile who just passed his Series 65, the Uniform Investment Adviser Examination! His business card now reads Assistant Financial Adviser and, among his many duties, he will be serving as client account manager for our Legacy and Growth accounts.

...
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1505 Hits

DFA Commodity Strategy Fund

DFA Commodity Strategy Fund

The DFA Commodity Strategy Institutional fund’s objective is to gain exposure to the broad commodity market, by investing in both domestic and international intermediate term, fixed income securities.

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1222 Hits

Embracing the Winners .... and the Losers

Embracing the Winners  .... and the Losers

Commodities and Emerging Markets have performed poorly in the last few years. Should you sell low?

While it would be fun to hold a Portfolio in which all of the asset classes were going up at the same time, it would be a nightmare if they were all moving down at once.

To protect against epic losses, investors seek uncorrelated returns — asset classes that behave dissimilarly so that a portfolio’s ingredients don’t all move in the same direction at the same time.

But diversified portfolios should be built with the knowledge that including uncorrelated assets means always having to endure pain in part of the portfolio. That part will be going down or remaining flat, since it tends to move differently from the uncorrelated part that is going up.

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1326 Hits

Embracing the Winners .... and the Losers

Embracing the Winners  .... and the Losers

Commodities and Emerging Markets have performed poorly in the last few years. Should you sell low?

While it would be fun to hold a Portfolio in which all of the asset classes were going up at the same time, it would be a nightmare if they were all moving down at once.

To protect against epic losses, investors seek uncorrelated returns — asset classes that behave dissimilarly so that a portfolio’s ingredients don’t all move in the same direction at the same time.

But diversified portfolios should be built with the knowledge that including uncorrelated assets means always having to endure pain in part of the portfolio. That part will be going down or remaining flat, since it tends to move differently from the uncorrelated part that is going up.

read more
673 Hits

Investment Update October 2015

Investment Update October 2015

Several years of unusual calm in equity markets gave way to a succession of sharp swings in the last quarter as investors reacted to a plethora of concerns. The net result was the worst quarter in four years with the Vanguard Total Stock Index tumbling 7.3%, and the Vanguard Total International Index losing 11.6%.

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797 Hits

Confronting America's Retirement-Savings Crisis

Confronting America's Retirement-Savings Crisis

Understanding investor behavior is key to reining in the problem, according to investment expert Charles Ellis, who is someone we have a tremendous amount of respect for. Much of what he says will resonate with you as we focus on participant success measures in your plans.

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867 Hits

Client Letter October 2015

Client Letter October 2015

Staying Put and Avoiding the Market's Sentimental Journey

When the market "corrects," what's being corrected?
The sharp decline in bullish attitudes amond investors is a very healthy development that increases the likely longevity of the current bull market.

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1281 Hits

What Soccer Can Teach Us About Investing

What Soccer Can Teach Us About Investing

Debunking the Action Bias

At times like these, investors often wonder whether they should react to the market correction. The newest member of our gang here at TWM, Jordan Gentile, played goalie on his college soccer team. In our e-Letter this month, he offers this interesting analogy about how goalies tend to react when they face the ultimate pressure situation, a penalty kick. Most goalies “feel” like they need to do something, jump to the right or the left, to try to stop the shot. But statistics show they would be better off if they just stayed put in the middle.

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1369 Hits

1-in-10 American Workers isn't saving for retirement

1-in-10 American Workers isn't saving for retirement

One in 10 American workers isn't saving for retirement, according to a survey that accompanied Bankrate's Financial Security Index for August. And their numbers are increasing, even though the economy has improved.

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964 Hits

Participant Letter September 2015

Participant Letter September 2015

Market Whodunit
The stock market is a device for transferring money from the impatient to the patient: Warren Buffett.

After several years of rising prices and unusually low market volatility, the stock market and parts of the bond market have suddenly given way to a correction. After declining 6% in the last month, the Dow Jones Industrial Average is down 5.8% so far in 2015, and 1% in the last twelve months. 

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867 Hits

Client Letter September 2015

Client Letter September 2015

Market Whodunit

The sudden drop in the market has everyone looking for a culprit. The explanation may be much more elementary than you think, my dear Watson. Remember, the stock market predicts about twenty recessions for every one that actually occurs. In this case, stocks have been falling despite generally positive economic news. This suggests that the correction is probably technical, and not fundamental in nature. 

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1306 Hits

Elementary Advice on the market conundrum

Elementary Advice on the market conundrum

Not even the sharpest living minds on investing have a good clue what’s coming next. Oracle of Omaha Warren Buffett admitted in May that he had been “wrong” about interest rates. Global investors continue to struggle in the quest for signs of what the future will look like – for interest rates, for China, for energy, for Greece. It’s an enigma everywhere, making the financial markets one of today’s greatest mysteries. Bruce Thompson spies the real culprit in the recent market decline.

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1352 Hits

Note about the Market

Note about the Market

The market has been brutal over the last few days as concerns over China, fed rate hikes, and commodity weakness have invoked worries that haven’t been felt so acutely since the financial crisis. Yet, as one of my colleagues said recently, the market drop is as surprising as a hurricane hitting North Carolina!

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962 Hits

Client Note August 25, 2015

Client Note August 25, 2015

The market has been brutal over the last few days as concerns over China, fed rate hikes, and commodity weakness have invoked worries that haven’t been felt so acutely since 2011 during the Eurozone crisis, and conjuring up bad memories of 2008. 

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1294 Hits

Four Steps to Fiduciary Success for Plan Committees

Four Steps to Fiduciary Success for Plan Committees

This report from Vanguard Investments describes the steps taken by successful investment committees.

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1035 Hits

Participant Letter August 2015

Participant Letter August 2015

Pardon the pun, but diversified portfolios have slipped in the last few months on oil. Moderate returns in the broad US stocks indexes have been pinched on one side by negative results in the bond market, and on the other by a retreat in international, emerging markets stocks and commodities, primarily oil. 

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866 Hits

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