Vergennes, VT
Financial Advisors

Investment Risk vs. Investment Return

Investing entails several inherent risks. In the case of equities, investors generally think of risk as the possibility of losing money relative to the initial investment.

Understanding Fixed Income - Interest Rate Risk

While it is generally true that bonds are less volatile than stocks, bond investments are still subject to price fluctuations that can be material at times. Therefore, like any other investment, it is prudent to understand the drivers of fixed income performance in order to avoid taking on unintended risk.

Active vs. Passive Investment Management

The active vs. passive management debate has raged for years, but fortunately there is a depth of empirical evidence to evaluate. S&P Dow Jones Indices, LLC publishes their SPIVA U.S. Scorecard annually, which compares active managers’ returns to those of the various S&P indexes.

Mutual Funds vs ETFs

A basic goal for many investors is to gain their desired market exposure in the most efficient and cost-effective way possible.

Is your Investment Advisor Worth One Percent?

Our fees are less than half of the McKinsey average for similarly sized portfolios.

Tax Strategy: Tax Loss Harvesting

It's a fact of investing that markets sometimes go down, and occasionally by a lot. It's also generally true that not all investments will perform well at the same time.

Tax Strategy: Tax Lot Optimization

As investment accounts age and grow in size, they often contain security holdings that have been accumulated gradually over time rather than purchased all at once.

The Expected Return is Market Return

One fairly straightforward, but important, point about investing is that the combined future return for all investors who purchase securities that are part of a given index must by definition equal the future return of that index before any fees.

Behavioral Biases in Investing: Ignoring the Noise

Loss aversion demonstrated that for most people, the negative feelings generated from incurring a loss outweigh the positive feelings generated from realizing an equal-sized gain.