Investing and personal finance: markets, ESG and socially responsible funds, banking, financial advice.
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All the nonsense that AI will have a moderate impact on the workforce has proven to be a lie. In an interview, the CEO of Standard Chartered Bank, Bill Winters, said the bank will eliminate 7,800 jobs and will hit “lower value workers” at the bank. In their place, the bank will deploy AI systems.
Image via Freepik Marriage changes many things. Suddenly, someone else’s groceries are your groceries. Their Amazon cart is your shared impulse buy. And their debt? Yep, that just got cozier, too. If love is blind, money has 20/20 vision—and it’s time for you two to put on your glasses. Think of this less as financial…
Image via Freepik Changing How You Think About Money Can Help You Make More Money Money isn’t just about numbers in a bank account—it’s about the way you think, feel, and react to it. Your mindset around money shapes the choices you make, the risks you take, and the wealth you ultimately build. If your…
Trump has surrounded himself with extremists, and they will all want to get their programs enacted, but it will come at an extreme price. Here is a video worth watching about what the Trump economy will mean for average people. Trump’s economic policies will affect wealth management, financial and retirement planning, average incomes, tax and…
It might sound simple, but a big problem for investors is knowing whether a fund manager or broker is doing a good job. Defining what’s “good” is problematic because it depends on how the rest of the market performs. For example, 2% is a horrible return in a bull market. However, preserving your capital…
Bear markets are an inherent part of market cycles, just as expansions and contractions are a normal part of business cycles. While investors should be concerned about bear markets, especially their duration, there is also an established link between market and business cycles. Understanding both will help investors better understand the cause and duration of…
ETFs, also known as Exchange Traded Funds, are the past century’s most popular and investor-friendly investment inventions. ETFs are now a $7 trillion market and offer various exposures to all market sectors, equity and bond styles, indexes, and specific categories of investments, such as ESG funds. ETFs allow you to trade the market in a…
In an increasingly complicated and volatile investment environment, individual investors have a greater need than ever to protect their hard-earned money against both market declines and investment industry sales practices, which can be both opaque and misleading. While market declines are an expected risk, investors’ advice from financial advisors and planners about which mutual…
If you are one of the 116 million individual investors in the U.S. who own a mutual fund, you might want to re-evaluate your buy-and-hold strategy. The reason is that it may have a significant downside. This downside is called “overlap” or “drift,” and it works against you when your fund gets too big…
Can people become rational investors? Or is there something we do that prevents us from consistently making sophisticated financial decisions? Human motives and fears are now recognized as inherent in investor behavior. How people invest, what stocks or funds they select, and their attraction to risky investments are among the factors examined to determine…
Private Equity Definitions Angel investors–Wealthy individuals with operating experience typically invest $50,000 to $1 million in exchange for equity in an entrepreneurial enterprise. Angels are generally passive investors but may sit on the board and offer their experience and advice during the company’s initial growth stages. Arbitrage – A strategy that exploits mispricings between identical…
Wary of the high volatility in equities and low returns from CDs and money market funds, investors have been moving into bonds in search of stable returns accompanied by more price stability. Investing in bonds during high equity volatility is an understandable investment strategy. In addition to portfolio diversification, bonds have their own risk and…
After Russian dictator Vladimir Putin, Elon Musk may be the wealthiest man in the world, but like Putin, he is very arrogant and not always the smartest. Maybe it’s because he has to adhere to his odd libertarian philosophy, which, in this case, boils down to rich people being generally more intelligent than the…
Risk is an inherent part of any investment. Since there is always the possibility an investment will decline in value, investors must identify the risks that can degrade returns and then develop a plan to minimize the effects of risk on their overall portfolio. The key to controlling risk and portfolio volatility is asset…
The Basics of Investing: Managing Portfolio Risk Through Diversification Diversifying your investment portfolio is as much common sense as it is investment science. Diversification can be achieved in two ways: by investing within an asset class, such as stocks, bonds, real assets, and alternatives, or by investing across asset classes, such as stocks,…
Introduction: Understanding Your Paystub Financial еmpowеrmеnt is a journey that begins with understanding and mastеring the tools at your disposal. One such tool is your paychеck gеnеrator, a documеnt that oftеn goеs unnoticеd. In this comprеhеnsivе guidе, we will еxplorе thе art of lеvеraging your paychеck gеnеrator to еmpowеr your financial goals. Whеthеr you’rе…
Social investing has always been about race. In its original application, which has somehow gotten lost in all the new variations of social investing, now known as Environmental, Social, and Governance (ESG) investing, racial equality was always the underlying engine for change. In its earliest form, which started in the mid-1970s, social investing was an…
One of the essential decisions that the average American should make in 2024 is to protect their financial assets and join a credit union. Credit unions are member-owned non-profits that are locally focused and offer many of the same services that large national banks provide. Because they are non-profits, they share any profits among…
The global Islamic finance market could expand dramatically if its goals were combined with goals now embodied in ESG funds.
Republicans want us to believe they are concerned about state pension plan participants when people can see this is another power grab to gain control over trillions in pension fund assets.
