Epsilon Financial Group

The much referenced 4% withdrawal rate 'rule' in the context of some of the worst markets.

If everything in the portfolio went up at the same time, it would mean you're not diversified!

A great article on the concept of regular portfolio rebalancing and the improved returns over time.

A New Kind of Investment Advice An advisor's business success is partially tied to the strength of his or her client relationships. Clients who trust their advisor tend to stick around through good markets and bad. In today's competitive financial marketplace, establishing that level of trust is a strategic activity. Selling superior investment performance may seem like the logical way to gain new clients. But it is a risky proposition in an efficient market where active mana...Continue reading

The Role of Diversification and Structure If markets are indeed efficient and stock prices reflect fair value, then no one can obtain an information advantage or consistently identify mispricing opportunities. The good news is that an uninformed investor can expect the same returns from a diversified group of securities as a professional investor. If risk and return are related, investors can earn higher returns only by bearing higher levels of riskand the differences in por...tfolio performance can be explained by risk exposure. Guided by these principles, investing becomes a matter of identifying the risks that drive portfolio returns and of determining one's appropriate degree of exposure to those risks. Diversification helps reduce uncompensated risks (for example, company-specific risks), and portfolio structure helps an investor achieve systematic exposure to risk dimensions in both the equity and bond markets.