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 08/21   Almost 80% of day traders lose moneyBrokers 
 08/21   The $6 trillion public pension holeGovernment 
 08/14   Testing smart betaIndexing 
 08/14   Sued over retirement plan feesFunds 
 08/14   Index revolutionIndexing 
 08/06   Lethargic Canadian economyReal Estate 
 07/17   Save more moneyThrift 

Frugal News

Almost 80% of day traders lose money
08/21/16   4:02 PM ESTBrokers
"In the end, 79.5% of them lost real money. The median 12-month returns were -36.3%."
More Brokers: Advisors worth their fees?
John Oliver: retirement plans

The $6 trillion public pension hole
08/21/16   3:57 PM ESTGovernment
"Compounding the problem, today's aggregate annual contributions of $160 billion don't even pay for newly earned benefits, adding more debt to be paid by future generations. State and local governments already face making bigger required contributions - even under the measurement approach that ignores risk - requiring higher taxes and crowding out other government spending. That is already happening in Chicago. In Detroit, Stockton, Calif., and Puerto Rico, bondholders haven't been paid."
More Government: Why Americans don't trust government
How politicians poisoned statistics

Testing smart beta
08/14/16   8:05 PM ESTIndexing
"Equal weighting isn't everyone's cup of tea, but the numbers on a trailing 10-year basis, which encompasses a full business cycle of stress testing, are strong enough to give advocates of the strategy plenty of ammunition for arguing their cause."
More Indexing: Index revolution
Cost versus convenience

Sued over retirement plan fees
08/14/16   8:03 PM ESTFunds
"The complaints allege that the universities, as the plan sponsors, failed to monitor excessive fees paid to administer the plans and did not replace more expensive, poor-performing investments with cheaper ones. Had the plans eliminated their long lists of investment options and used their bargaining power to cut costs, the complaints argue, participants could have collectively saved tens of millions of dollars."
More Funds: Curse of the benchmarks
Chasing returns

Index revolution
08/14/16   8:02 PM ESTIndexing
"Charles Ellis on why investing in low cost, passive index funds, not actively managed ones is the best choice for most individual investors."
More Indexing: Cost versus convenience
The high price of low vol

Lethargic Canadian economy
08/06/16   2:44 PM ESTReal Estate
"Real estate and financial services now account for 20 percent of the economy, levels not seen in the data since the early 1960s. That could be a problem, with household debt at a record and policy makers scrambling to slow price gains that are making homes unaffordable for all but the wealthiest buyers."
More Real Estate: Homes disappointing
Housing bubble

Save more money
07/17/16   5:20 PM ESTThrift
"Bonds pay borrowers while lenders earn nothing. Stocks soar to all-time highs. How weird is today's financial world? It's weird, all right, but probably not as weird as you think."
More Thrift: 7-day mental quarantine
How much you'll earn

Homes disappointing
07/17/16   10:05 AM ESTReal Estate
"Buy land: They're not making it anymore. That often repeated adage sounds like good financial advice. But over the long run, it hasn't been. Despite solid price increases over the last few years, land and homes have actually been disappointing investments. It's worth considering why."
More Real Estate: Housing bubble
Where can you afford to live?

Advisors worth their fees?
07/10/16   4:29 PM ESTBrokers
"The advisor offers us tax advice. He coaches us on ways to keep our household costs down. We meet every quarter to re-evaluate our goals and see how we're doing. He also calms my nerves when markets go crazy."
More Brokers: John Oliver: retirement plans
G&M broker ranking

7-day mental quarantine
07/10/16   4:27 PM ESTThrift
"My wife and I are setting up a customs screening station in our driveway. No, we're not starting an international airport. And it's not for solicitors, strangers or gift-bearing guests. It's for us and our stuff."
More Thrift: How much you'll earn
The Cost Matters Hypothesis

Cost versus convenience
06/25/16   12:12 PM ESTIndexing
"if you also factor in the management expense ratios, the total cost of VXC in a retirement account is 0.71%, compared with just 0.19% for the US-listed ETFs"
More Indexing: The high price of low vol
Popular at a price

CPP Memo
06/25/16   12:09 PM ESTRetirement
"It has come to our attention that you are not saving sufficiently for your retirement. This does not surprise us. We haven't saved sufficiently for our retirement either. Some of us have made enough money in the housing market to be relatively comfortable, and a good number of us have workplace pensions. Low-income Baby Boomers will be protected by Old Age Security, Guaranteed Income Supplement and the Canada Pension Plan. But middle-income Baby Boomers without workplace pensions - people making $60,000 or $80,000 a year - are facing a big drop of their standard of living upon retirement."
More Retirement: Life of Riley Index
Fortunes you can't control

John Oliver: retirement plans
06/19/16   11:17 AM ESTBrokers
"Saving for retirement means navigating a potential minefield of high fees and bad advice." [video]
More Brokers: G&M broker ranking
Retail financial advice

Equally weighted
06/11/16   9:08 PM ESTStingy Investing
"The idea of heading to the beach has some of us indulging in a little last-minute dieting in an effort to shave off a few pounds before hitting the water. Weight also matters to investors when it comes to how they divvy up their portfolios." [$]
More Stingy Investing: Bonds bomb
The Top 200 Canadian Stocks for 2016

Housing bubble
06/11/16   9:05 PM ESTReal Estate
"Know a bad deal when you see one. Overextending yourself just to get a piece of the real estate action in Vancouver or Toronto is not just a bad deal, it could spell your financial doom."
More Real Estate: Where can you afford to live?
Canada's real estate problem

Debt buyers
06/11/16   9:01 PM ESTDebt
"Companies that purchase debt cheaply then collect it aggressively are shockingly easy to start. We can prove it" [video]
More Debt: We still have a buck in the till
Hate debt again

Bonds bomb
06/04/16   10:12 PM ESTStingy Investing
"In other words, it seems likely that bonds will barely break even or lose ground on an after-fee, after-tax, and after-inflation basis over the next little while"
More Stingy Investing: The Top 200 Canadian Stocks for 2016
The Top 500 U.S. Stocks for 2016

Indexing and small-caps
06/04/16   9:48 PM ESTMarkets
"the 15 most popular small-cap-heavy ETFs have traded 3.6 times more than the average dollar volume of the 100 largest members of the Russell 2000 small-cap index over the past three months"
More Markets: High multiples for sales
The dead model

Two-star managers
06/04/16   9:44 PM ESTBehaviour
"When I said I would love an interview series with 2-star fund managers, the most common response was 'just go watch the 5-star interviews from a few years ago.'"
More Behaviour: Why humans run the world
Cleaning up La Paz

Why Americans don't trust government
05/29/16   8:01 PM ESTGovernment
"Though the bridge took only 11 months to build in 1912, it will take close to five years to repair today at a huge cost in dollars and mass delays."
More Government: How politicians poisoned statistics
A debt of choice

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