Invest Even When Afraid
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You can’t invest for the future in the future. Don’t let your fear of the future ruin your future.

An Asset Allocation For Your Health Savings Account
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You are unlikely to need funds for any long-term care episode until about age 85. Given the long time horizon, we suggest investing your HSA for appreciation.

Marotta’s 2017 TD Ameritrade Gone-Fishing Portfolio Calculator
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This portfolio uses all TD Ameritrade no-transaction fee exchange-traded funds with the exception of Vanguard Energy ETF (VDE).

Mailbag: How Do I Replenish A Bond Laddering Strategy?
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When you use a bond laddering strategy with funds, rebalancing to your asset allocation naturally buys and sells bond funds as appropriate.

Five Things You Can Control: Goals-Based Asset Allocation
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An advisor’s job is to recommend the optimum asset allocation regardless of how the client might answer a survey about risk tolerance.

Using Factor Investing To Boost Country Specific Returns
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The rough idea is that the stock price of companies that are profitable are more likely to appreciate than companies which are not profitable.

Factor Investing: Small and Value Factors
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Factor investing “tweaks the idea of asset allocation and diversification by seeking out types of securities that have been shown, by decades of academic research, to offer positive return premiums over time.”

Don’t Forget to Rebalance All Your Assets
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It can be easy to forget about your company’s 401(k) because you aren’t depositing the money yourself, your pre-tax contributions are deducted from your paycheck and are electronically deposited by your employer.

Selecting an Endowment’s Asset Allocation
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Two rules of endowment investing: 1) Keep an equity bias and 2) diversify.

5 Reasons to Have Some Cash Equivalents
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There are at least five reasons to hold cash. Without a good reason to hold cash, you may be holding too much.

Narrowly Framed Questions Fail to Meet Life Goals
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Purchasing investment products in isolation from the larger context of your specific situation is like pushing random buttons on a vending machine in order to provide a Thanksgiving dinner for your family.

Bloomberg Article Gets Asset Allocation Exactly Wrong
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Apparently the idea behind asset allocation is more complex than they think.

Investing Strategies for an Irrational Brain
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Recency bias is perhaps the most difficult natural bias to overcome.

Dimensional On: Why Should We Invest Internationally?
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“Historically there has been a wide variety of returns from US and International stocks, and when one does poorly often another does well.”

The Complete Guide to Creating an Investment Plan
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This is a summary of the six steps required to create a well-crafted investment plan.

Asset Allocations for UVA Retirement Plans at Fidelity
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The University of Virginia plan includes funds sufficient to produce these excellent portfolios.

Marotta’s 2016 UVA Fidelity 403(b) Calculator
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Age appropriate asset allocation for 2016 using the choices available in the University of Virginia’s Fidelity 403(b) Tax Deferred Savings Plan (TDSP).

Marotta’s 2016 UVA Fidelity 401(a) Plans Calculator
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Age appropriate asset allocation for 2016 using the choices available in several of the University of Virginia’s Fidelity Retirement Plans.

Marotta’s 2016 Vanguard Gone-Fishing Portfolio
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Here is a review of Marotta’s 2015 Vanguard Gone-Fishing Portfolio and a description of our changes for 2016.

Marotta’s 2016 Gone-Fishing Portfolio
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The gone-fishing portfolio provides suggested asset allocations for investors up to age 70 and up to $1 million.

Investors Want Non-Correlated Assets Until They Experience Non-Correlation
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While many investors say they want a low-correlation portfolio, they don’t want to actually experience a low-correlation portfolio.

Defining Your Sectors
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The process of defining your sectors is an attempt to identify the quintessential features of your strategy and formalize your selection criteria.

Do Resource Stocks Deserve Their Own Asset Class?
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Resource stocks represent one of the most interesting collections of diverse indexes as they do not always move in sync with one another.

The Asset Allocation Within Your Asset Allocation
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It is good to take the two categories which are most similar and use them as underlying sector divisions within the same larger asset class.

Your Asset Allocation Should Be Priceless
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The value of not running out of money when making withdrawals cannot be measured.

Schwab Intelligent Portfolios: Incomplete Rebalancing Algorithm
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See our review of the two pros and nine cons of how Schwab monitors and rebalances portfolios.

Schwab Intelligent Portfolios: Built on a Faulty Premise
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It is a great marketing campaign, and the service is a wonderful idea, but the asset allocations of SIPs aren’t actually that intelligent.

Jack Bogle: The Value Of An Advisor Who Sticks To A Long Term Plan
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“Advisers need to sell their value as keeping their clients from doing the wrong thing at the wrong time.”

Jack Bogle: Investing Outside The United States
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“We still have plenty of problems, but we’re much better than France, Britain and Germany.”

What Is The Alternative To An Annuity?
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An immediate fixed annuity is not an investment; it is an insurance product.

Marotta’s 2015 Gone-Fishing Portfolio
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A gone-fishing portfolio keeps investing simple.

Marotta’s 2014 Gone-Fishing Portfolio Review
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A review of last year’s 2014 gone fishing portfolio returns.

What Asset Allocation Should I Have For My Schwab Donor Advised Fund?
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Keeping your donor advised fund invested could result in more benefit to the charities you support.

Real Returns Favor Holding Stocks
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There are several important lessons to learn from this graph.

The Efficient Frontier Of Investing
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Many investors don’t appreciate asset allocation or understand intuitively how a diversified portfolio can exceed the sum of its parts.

Is Rebalancing a “Myth”?
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You ought to know what it is that you are rebalancing.

Marotta’s 2014 Gone-Fishing Portfolio
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A gone-fishing portfolio keeps investing simple.

Marotta’s 2013 Gone-Fishing Portfolio Review
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A review of last year’s 2013 gone fishing portfolio returns.

University of Virginia Best Plan 2014 Asset Allocation Recommendation
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Here is an asset allocation recommendation for the The University of Virginia Physicians Group 2014 BEST plan.

Marotta’s 2014 UVA TIAA-CREF TDSP Calculator
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Age appropriate asset allocation for 2014 using the choices available in the University of Virginia’s TIAA-CREF Tax Deferred Savings Plan (TDSP).

Retirement Plan Asset Allocation: University of Virginia Case Study
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Many people lack the time and expertise to develop an intelligent retirement asset allocation plan.

UVA Tax-Deferred Retirement Plan Asset Allocation Tools
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We have created several asset allocation tools to aid those seeking an intelligently diversified portfolio.

Is The Optimum Level Of Annuity Ownership Negative?
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Does it actually make sense that people should buy annuities as much as conventional wisdom says?

Northern Europe -July 2013 Returns
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Sweden appreciated 11.02% during the month.

Marotta’s 2013 Gone-Fishing Portfolio
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A gone-fishing portfolio has a limited number of investments with a balanced asset allocation that should do well with dampened volatility. Its primary appeal is simplicity. As a secondary virtue, it avoids the worst mistakes of the financial services industry.

Since 1979 The S&P 500 Grew 13.5 Times Greater Than The Price Of Gold
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Investing $512 in the S&P 500 at the end of 1979 grew with reinvested dividends for a total return of $19,323.19.

A Blended Investments Style Can Lead to High Returns With Low Risk
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A blended investment style for all markets can lead to high returns with low risk.

AAII 2013
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Follow-up information for 2013 AAII presentation “Dynamic Portfolio Construction in the Context of Comprehensive Wealth Management.”

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