Doubt is not a pleasant condition, but certainty is an absurd one.—Voltaire “The market hates uncertainty” has been a common enough saying in recent years, but how logical is it? There are many different aspects to uncertainty, some that can be measured and some that cannot. Uncertainty is an unchangeable condition of existence. As individuals,…

In 1958, economist Leonard Read published an essay entitled “I, Pencil: My Family Tree as Told to Leonard E. Read.” The essay, narrated from the point of view of a pencil, describes the “complex combination of miracles” necessary to create and bring to market the commonplace writing tool that has been used for generations. The…

Volatility is back. Just as many people were starting to think markets only ever move in one direction, the pendulum has swung the other way. Anxiety is a completely natural response to these events. Acting on those emotions, though, can end up doing us more harm than good.  There are a number of tidy-sounding theories…

In this era of hyperconnectivity and a 24/7 news cycle, the U.S. stock market tends to react quickly to geopolitical events. But do these events have a lasting impact on U.S. markets or are they mostly global noise?   Follow this link to watch a video on the impact of geopolitical events on US stock…

As broad market indices such as the S&P 500 have set new record highs in recent weeks, many investors have become apprehensive. They fear another major decline is likely to occur and are eager to find strategies that promise to avoid the pain of an extended downturn while preserving the opportunity to profit in up…

I hope this issue of the LuminaFi Report finds you doing well and enjoying a relaxing summer! Many of us use this time of year to catch-up on some reading that we are too busy or tired to attempt at other times during the year. I tend to prefer non-fiction and am often asked to…

  Market Month: April 2014

Exchange traded funds (ETFs) offer many benefits to investors, including low expense ratios, greater tax efficiency and the ability to trade during market hours.  However, it is this ability to trade ETFs like stocks which make them particularly attractive to investors who employ market timing strategies.  A recent study suggests that the use of ETFs…

Strategies for Coping with Market Volatility

Squared Away Blog – a project of the Center for Retirement Research at Boston College recently published this report that shows many investors fell into the trap of “buying high and selling low” during the previous market cycle.  In my own experience working with clients, I found that those who had a personal financial plan were…

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