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Consider These 7 Things Before You Invest

Novice investors need to keep their long-term goals in mind when starting their portfolios. Investing and planning for the future can be a daunting task. There are so many factors to consider in creating and managing your portfolio and you may find it difficult to find a financial professional you trust for unbiased advice. That’s why Monument, as an independent registered investment advisor unconstrained by any large corporate agenda, has prepared…

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Volatile Markets Have Turned Diversification on its Head-But Don’t Panic

Don’t let temporary trends ruin your opinion about diversification. The high volatility and unpredictability of today’s markets have many investors asking why good old-fashioned diversification hasn’t been working in their portfolios. Diversification refers to the concept of holding a variety of asset classes so that when one doesn’t perform well, the others may provide some buoyancy. For example, diversification should operate like pistons in an engine—while some pistons are going…

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3 Problems with the S&P 500 Index

3 Problems with the S&P 500 Index The S&P 500 is weighted by market-cap, meaning it’s heavily influenced by certain stocks. For as long as I’ve been in the industry, both investors and advisers alike have accepted the good old S&P 500 index as a good way to gauge portfolio performance. The most common question any adviser gets from a client is: “How well did I do versus the S&P…

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The S&P 500 Doubled: Did You Miss It?

Simple indexing strategies benefited from the S&P 500’s rapid run-up Two years ago, a lot of articles, blogs, and opinions questioned the logic of buy-and-hold investing. Regardless of recent financial history, I still believe that the foundation of any good investment strategy is a globally diversified portfolio. I also believe that any good investment strategy is born from a complete and comprehensive financial planning analysis. That should not shock anyone.…

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What Every Investor Needs to Know About the Lost Decade

Not everyone lost money during the last ten years. How many times over the past year have you read or heard about the “Lost Decade?” It’s been a popular topic because a lot of investors lost money between January 2000 and December 2009. But just because major indices may have been flat or even down during this period doesn’t mean a well-diversified investor needed to follow suit. What many investors…

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Why You Shouldn’t Follow the Dow

Its 30 stocks don’t say much about the broad market. Many people follow the action of the Dow Jones Industrial Average (DJIA) to get a feel for how well the market is doing. Nary a day goes by without the top national news anchors mentioning how well this venerable index performed on the evening news. What is it? Created by Charles Dow in 1896, the index measures the performance of…

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