Retirement Insights
Don’t Split Up Your Portfolio
Occasionally, we get questions from clients about whether it would make sense for them to manage the bond portion of their portfolio, while we manage the stock portion of the portfolio. After all, we’ve been in a pretty low interest rate environment for a while now, and bond returns aren’t adding much to the portfolio.…
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Terms and Conditions
If you require any more information or have any questions about our Terms and Conditions, please feel free to contact us by email at yourteam@mcleanam.com. Introduction These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full and without reservation. If you disagree with…
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Taking Portfolio Spending Into the Real World for Retirees
In February of 1998, the Trinity study established the idea of focusing on success and failure rates, building into our psyche the idea that your retirement is a failure if the investment portfolio is depleted. This has put too much emphasis on the portfolio and spending conservatively to keep failure rates low. This is not…
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The Dangers of Putting Our Faith in Statistics
Most people try to avoid thinking about statistics, but they’re part of everything we do in investing. When other people get around to thinking about statistics, they often end up thinking about them the wrong way. Most people assume the most important numbers of any data set are the average, median, and standard deviation, and…
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Review: Are thematic ETFs gimmicks or smart strategic plays?
Investment companies are incredibly creative, especially when it comes to new ways to make money. There’s always some new investment trend, and investment companies are more than happy to oblige. They don’t really care if something is a particularly good idea – they just want to help you, the investor. And obviously they should be compensated…
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Review: Which of these 6 paths will you take in retirement?
As this article makes clear, everyone wants something different out of retirement. Figuring out exactly what you want can be incredibly difficult, but it’s one of the most important things you can do when preparing for retirement. Your retirement income plan should be built around providing you the income to do what you want in…
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Which Makes More Sense for Retirees: A Total-Return or Income Portfolio?
Total-return investing focuses on building diversified portfolios from stocks and bonds to seek greater long-term investment growth. By focusing on total return, the objective over the long run is to produce a greater and steadier amount of income relative to what could be obtained by investing for income by focusing solely on interest and dividends…
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Occam’s Razor: One of the Most Successful Active Managers of All Time Shows Why Active Management Doesn’t Work
WHAT IS OCCAM’S RAZOR? Occam’s Razor is a principle attributed to William Occam, a 14th century philosopher. He stressed that explanations must not be multiplied beyond what is necessary. Thus, Occam’s Razor is a term used to “shave off” or dismiss superfluous explanations for a given event. This concept is largely ignored within the investment management landscape. This newsletter…
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2017 – Q1 Quarterly Market Review
This report features world capital market performance and a timeline of events for the last quarter. It begins with a global overview, then features the returns of stock and bond asset classes in the US and international markets. The report also illustrates the performance of globally diversified portfolios and features a topic of the quarter.…
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