Financial Wellness @ Work

Searching for the “Holy Grail” of Mutual Funds: Less Risk and Higher Returns

In the last few blog posts, we discussed the danger of the “greed, hope, and fear cycle” (in which people tend to earn below average returns by buying high and selling low) and some ways to overcome it by diversifying and rebalancing your portfolio to earn the average return. But what if you were to actually buy low and sell high?  Could you actually earn the “holy grail” of higher returns and lower risk that way? Read more

A Case for Rebalancing

Have you heard the term “paper loss?”  It’s a nice way of saying that you haven’t really lost money on your investment until you place a sell order.  Most investors become familiar with this phenomenon occasionally in their investing life.  But what about the seldom used term “paper gain?”  It’s very likely that you have never heard of that one (since I want to believe I coined it!).  It is the opposite of a loss situation.  You actually made money!  But guess what?  It’s only on paper until you sell. Read more

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