Gain Perspective on Financial Planning. Investments. Your Future.

Do Market Timers Generate High Returns?

Can market timers outperform the market? One of the most watched bets in investment history just wound down. Ten years ago, billionaire stock investor Warren Buffett wagered that the S&P 500 Index would outperform five hedge funds over the next … [Read more...]

Is There a Difference between Growth and Value Stocks?

Investing in “value stocks” for long-term growth may be a wise model. You don’t just need “growth stocks” to grow your nest egg. The difference between value and growth stocks Long term, value investing has delivered higher returns than growth … [Read more...]

What is the Best Way to Teach Children Investing?

It’s never too early to teach children investing concepts. But do it the right way – not like this: “Boy, will my son be disappointed when he receives an Exchange Traded Fund (ETF) instead of video games for his Bar Mitzva,” a client told me … [Read more...]

“Over My Dead Body!” Use a Will or Trust to Help Avoid Battles over Your Estate

A will or trust is critical to protect your estate after your passing, and to make a smooth transition of wealth to your intended heirs. Take the story of Sarah: Her sister’s family lives in the Tel Aviv apartment her widowed father suggested should … [Read more...]

Why a Stock’s Price Doesn’t Matter

There are many factors to consider before buying a stock, but the sticker price shouldn’t be one of them. This joke illustrates why: A market analyst walks into a pizzeria and orders a pizza. When the pie is ready, he’s asked, “Should I cut it into … [Read more...]

Growth vs. Income Investing: Is the Cost of Growth Too High?

According to conventional “growth vs. income” investing advice, if you are a young, upwardly mobile millennial you should put more money in growth stocks that have more risk, but higher potential than other investments. If you’re closer to … [Read more...]

Should Retirees Diversify Globally to Protect Their Savings?

Retirees who diversify globally protect themselves from investing with too much home bias. If you are saving for a future retirement, your goal is probably to grow your capital. If you only focus on higher returns, though, you may take risks you … [Read more...]

Should I Sell Out before Losing Money in a Stock Market Crash?

A retiree called me, nervous about the stock market crashing. He wanted to know if he should abandon the markets by selling his stocks and staying in cash. An alternative to timing the market Since you can’t predict when the market will crash, … [Read more...]

Are Emerging Markets’ Potential Returns Worth the Risks?

Investors are on track to invest $1 trillion in emerging markets in 2017. Emerging market investments allow investors to try to capture higher investment returns in exchange for higher risks… sometimes significantly higher risks. Investing in … [Read more...]

Will Dividends or Interest Boost My Retirement Savings More?

In a well-diversified portfolio, you normally have three different type of earnings — appreciation, dividends, or interest. “Appreciation” is the growth in the value of your investment based on the market going up. Income investors receive … [Read more...]

Profile Perspectives is a personal finance blog based on articles Doug Goldstein, CFP®, director of Profile Investment Services, Ltd., published in The Jerusalem Post. The information posted is purely informational and does not constitute investment or tax advice. Advertisements on the site are neither endorsements nor recommendations. Consult your professional advisors before making any investments based on articles or advertisements. Securities offered through Portfolio Resources Group, Inc., member of FINRA, SIPC, MSRB, FSI. Accounts carried by Pershing LLC., Member NYSE/SIPC, a subsidiary of The Bank of New York Mellon Corporation.

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