Category Archives: Financial Planning
Small changes, big impact
Does one percent matter? If you’re watching the balance in your portfolio for one year, the difference between an eight percent return and a seven percent return can be a fair amount of money, but won’t really change your life. … Continue reading
What’s on your mind?
Some of the best Osbon Capital articles started as questions posed by clients. Questions like: Should I sell all my dividend stocks before we go over the cliff? (Dividend Cliff Jumping) And how can my college-age son learn how to … Continue reading
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Pursuing better
Now and then a great business emerges because it does something no one else can through a breakthrough technology or discovery. But far more often, success comes to those who simply “do things better.” This may mean improving the auto … Continue reading
What Windham is doing
Windham Global Solutions, the portfolio and risk management experts, is an essential provider for Osbon Capital. Windham held its second annual investment conference last week in downtown Boston. What happens when you put savvy Windham people in a room for two … Continue reading
Will the real gold please stand up?
Here’s a one question market performance quiz: Since 1993, which hypothetical portfolio performed best? A) 100 percent in SPY (An ETF that tracks the S&P 500) or B) 100 percent in gold. If a lump sum of $1000 was invested … Continue reading
Investing’s best cheat sheet
If I was asked to present the three or four most important ideas in investing and could only bring one sheet of paper with me, it would be no contest. I’d bring the Andex Chart from Morningstar. I’m not sure … Continue reading
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But will it last?
A sizable retirement portfolio doesn’t just happen. Building one requires effort, knowledge, and resolve. It typically takes decades of disciplined savings, sensible asset allocation, and the courage to hang in there when markets get dicey. And even then the work’s … Continue reading
Posted in Asset Allocation, Financial Planning
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Invest in your kids
529 plans, also known as “qualified tuition plans” have been available since 2001 and are designed to encourage saving for higher education through tax deferral. In my opinion, they are one of the sweetest deals around. It’s no wonder 529s … Continue reading
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How often do you check your portfolio?
The answer to this question can tell you a lot about a person. For many, it is “Always!” Constant market checkers mentally recalculate their net worth every few hours and look for minute-by-minute trends to inform their next trades. For … Continue reading
Blaming umbrellas for the rain
Can a candidate buy an election? Or can a Super PAC make the purchase for him? All of the media attention on election spending had me wondering if this is a nomination process or simply an auction. But does spending … Continue reading
Posted in Financial Planning, Investment Strategy
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