Resisting Short-term Temptations: The Marshmallow Test

Resisting Short-term Temptations: The Marshmallow Test

The famous marshmallow test conducted in the 1960's showed that we have a hard time resisting instant gratification, even if we know that delaying gratification would lead to an even bigger reward. This, in short, is what makes investing and managing businesses so hard. Success requires many qualities, but conviction, discipline and thinking long-term must rank near the top....

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Participant Letter July 2015

Participant Letter July 2015

Market Volatility Returns: Fireworks in Greece and China

Investors are rightfully concerned about events in China and Greece, but don’t let a Trojan Horse through the gates that secure a well-founded investment plan and a properly diversified portfolio.

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Understanding Stable Value

Understanding Stable Value

What is a Stable Value Fund?
“Stable value funds are capital preservation investment options available in 401(k) plans and other types of savings plans. 

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Five Ways to Retrain Your Brain to Save More for Retirement

Five Ways to Retrain Your Brain to Save More for Retirement

Be honest: How often do you really think about your retirement savings? Or maybe the better question is: How often do you actually do something to grow that nest egg?

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Basic Financial Concepts

Basic Financial Concepts

These two basic concepts are key to having a successful financial future. 

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Participant Letter June 2015

Participant Letter June 2015

This month's participant letter provides an update on the plan's investments so far this year, and Bruce Thompson talks about some risks to be aware of...

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Featured

Navigating Your 401(k)

Navigating Your 401(k)

Have you seen your plan’s new web center yet?  Take a look and browse through it to get familiar.

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Debit vs Credit

Debit vs Credit

Confused about debit cards vs. credit cards?  Wondering which is best for you?  Debit or Credit...

Buy or Lease

Buy or Lease

Unsure whether to buy or lease your next car?  Click here for guidance...  Buy vs Lease

Asset Allocation: Cooking with Index Funds

Asset Allocation: Cooking with Index Funds

Asset allocation -- the mix of cash, bonds and stocks in a portfolio -- determines the spectrum of returns you will experience. Here's a great insight from Jack Bogle, founder of Vanguard...

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Loomis Bond -- Interview with Dan Fuss

Loomis Bond -- Interview with Dan Fuss

This interview with Dan Fuss, who has managed Loomis Bond Institutional to a 9.7% annual return since opening it 24 years ago, appeared in Forbes, May 25, 2015 issue.

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Excellent financial literacy website for younger consumers

Excellent financial literacy website for younger consumers

Looking for an unbiased source of knowledge for expanding financial literacy for you, your children, your grandchildren?  

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Emerging Markets Focus

Emerging Markets Focus

Your portfolio gains exposure to emerging markets through mutual fund investments. This article by Burton Malkiel of Princeton covers the fundamental reasons for including emerging markets funds in a well diversified portfolio...

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The Power of Compounding

The Power of Compounding

Einstein called compounding the most powerful force in the universe. Find out why starting now is a good idea!

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Tax Savvy Investing

Tax Savvy Investing

The value added through efficient tax management of investments.

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Principles for Investment Success Whitepaper

Principles for Investment Success Whitepaper

Our time tested keys to investment success.

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Cost of a College Education

Cost of a College Education

Updated figures on the cost of a college education.

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How much should I save for retirement?

How much should I save for retirement?

How much should you save for retirement?  With a persistent emphasis on the need to save for retirement, it is also important to consider how much you should be saving for retirement.  Well-respected economists at Morningstar have developed savings rate guidelines to assist… 

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How much can I contribute to my 401(k)?

How much can I contribute to my 401(k)?

How much can I contribute to my 401(k)?  A 401(k) plan, also known as a defined contribution or DC plan, is a great way to save for a secure future, but there are limits to how much you can save each year…

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Should I invest or pay off my credit card?

Should I invest or pay off my credit card?

Should I invest or pay off my credit card?  There are always many demands on your paycheck, but a big question is whether to focus on today (credit card debt) or tomorrow (saving for retirement).  The answer involves balance…

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Thinking Aloud Blog

For the 10-year period 2008 through 2017, a very wide dispersion in r...

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