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Stock Market

Should You Have a Backup Budget? (part 2)

by Frank Napolitano, Gyb Spilsbury
January 25, 2022

The picture is of a life preserver to represent the wisdom of having a backup plan.

How do you create a backup budget and how can this exercise lead to a more nuanced risk capacity analysis?

Is It Time to Consider a Backup Budget?

by Frank Napolitano, Gyb Spilsbury
June 30, 2021

The picture shows dice on a stock report to signify risk and relate to a backup budget.

If you are flexible in your spending, creating a backup budget may measure your risk capacity more accurately, illustrating how much stock you can afford.

Recent Stock Market Performance in Context

by Rick Miller
March 16, 2020

chart showing financial crises compared with COVID-19

The stock market has been quite volatile in the last month. There has been considerable investor uncertainty associated with the novel coronavirus and COVID-19. Historical perspective The chart shows the performance of the S&P 500, adjusted for inflation using the US Consumer Price Index (CPI) since the beginning of 1926 (when the Standard Statistics Company [Learn more…]

Expected Returns and the Risk Premium

by Rick Miller
February 15, 2020

Expected Returns

Returns are unknown, and an individual cannot be certain they will achieve a larger return from one management strategy over another. Rick Miller discusses the how risk premiums should factor into expected returns.

Uncertain Returns and Utility

by Rick Miller
January 15, 2020

Utility Returns

What interest rate do you use when planning for life? Rick Miller discusses the use of risk-free rates when planning for returns.

Responding to the Recent Stock Market Decline

by Rick Miller
February 12, 2018

You may have heard that the stock market has been very volatile recently, with several days of significant declines. The drops in the US market on Monday, February 5th and Thursday, February 8th were especially large, around 4%, depending on the index. This followed a decline on February 2nd of a bit over 2%. To add [Learn more…]

Full Stock Market Perspective

by Rick Miller
February 25, 2014

There has been a lot of talk in the press about stock market volatility this year. During the last week of January and the first week of February, there was talk of a “correction” (a 10% decline in the stock market). The US stock market (represented by the S&P 500, SPY in the chart  below) [Learn more…]

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The picture shows a shelf full of dictionaries to represent financial terminology.

Sensible Financial Terminology

To define financial terminology for our readers, we will build and share a financial glossary. This month we’ll delve into estate planning.

This is a beautifully symmetrical view of an ornate ceiling to represent the perfection part of the perfect portfolio.

4 Core Principles For Your Perfect Portfolio (Part 2)

The perfect portfolio is attainable. The trick? Ask yourself if an investment opportunity jibes with these four core principles of investing.

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This content reflects the opinions of Sensible Financial®. We may change it at any time without notice. We provide this content for informational purposes only. Although we endeavor to keep the information up-to-date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability for a particular purpose or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. We do not intend the information contained in this website as investment advice and we do not recommend that you buy or sell any security. We do not guarantee that our statements, opinions or forecasts will prove to be correct. Past performance does not guarantee future results. You cannot invest directly in any index. If you attempt to mimic the performance of an index, you will incur fees and expenses which will reduce returns. All investing involves risk. You can lose any money you invest. There is no guarantee that any investment plan or strategy will succeed.

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