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TD Ameritrade Institutional is our principal custodian for client assets under management. All accounts are fully insured and the separate property of the client.
How to Avoid Investing Pitfalls
Don't Go It Alone
- If you don't have time to do investment research your investment decisions will always be tentative, leading to poorly timed trades. Finding solid investments is a full time job. Market and economic conditions change faster than ever. The data flow is often overwhelming for the individual.
- We all need council with our investments. As a fee only financial advisor I provide you expert advice and consultation on your investments, alleviating the stress of going it alone.
Avoid Holding a Declining Investment
- Even though we are long term investors it's important to avoid holding onto an investment with declining fundamentals, or one that is dramatically over-valued.
- Staying in an investment that will not recover significantly prevents you from deploying that money in an investment that can work in current economic and market conditions.
- The tech stock collapse of 2000 to 2002 and the global market collapse of 2008/2009 taught us that, and many other lessons, including:
- Valuation matters. Good stock investments require a thorough and disciplined analysis of valuation.
- If you don't understand the business model, you probably don't need the company in your portfolio.
- The financial press doesn't have your best interest at heart. They support their advertisers, not the safest way to invest money.
Avoid Commission Brokers
- Their research is designed to help commission brokers acquire and retain corporate finance and institutional business, not to help you select a reasonably priced stock or bond investment, or find the best performing mutual funds.
- Commission brokers are paid to generate transactions, not to manage your money in the most prudent way, or to hold on to your securities until it’s truly time to make a change.
- Commission brokers are trained as asset gatherers not investment managers. Their investment products (including the mutual funds they recommend) are generally high-cost/low-performance investments (recent studies have proven.)