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Are Actively Managed Portfolios Guaranteed To Underperform Passively Managed Portfolios?
Are actively managed portfolios guaranteed to underperform passively managed portfolios? That’s what William F. Sharpe argued when he wrote The Arithmetic Of Active Management.
The idea is quite simple, and the paper is quite short if you’d like to read it.
It presents a very simple argument for low-cost passive investing versus high-cost active investing.
Through simple arithmetic, Sharpe argues that it’s easy to see that passive portfolios will outperform active portfolios. The argument is built on a few simple concepts so let’s take a look…
Four Financial Risks Worth Taking
Sometimes you have to take a risk. But not all risks are created equal. Some risks have rewards that greatly outweigh the potential downside. These risks can pay off big-time down the road, but its important to pick the right ones.
When it comes to personal finance there are lots of risks (and lots of rewards!). Taking a few strategic risks can do wonders for your long-term personal finances. But it’s important to understand the trade-offs.
Almost nothing in the world of personal finance is completely risk free (except maybe a guaranteed deposit with an insured bank) but there are four financial risks that can be worth taking.
If you understand the potential downsides, these financial risks can have a huge positive impact on your finances.
Two (Less Obvious) Financial Benefits Of Owning A Home
There are a number of personal and financial benefits when owning a home. There is the stability, the forced savings of mortgage payments, the potential for appreciation etc. etc. But there are two somewhat less obvious benefits of owning a home.
These benefits will help homeowners financially, both before retirement in the accumulation phase and also after retirement in the decumulation phase. These benefits will make it easier for homeowners to achieve their financial goals, decrease taxes, and minimize government benefit clawbacks.
In this post we’re going to explore two, perhaps hidden, benefits of owning a home.