Canadian Couch Potato's author is Dan Bortolotti, an investment advisor with PWL Capital in Toronto who has completed the FPSC Level 1 certification in financial planning. In addition to providing portfolio management (using the same strategies described on this blog) and planning services for clients, Dan and his colleagues offer a unique DIY Investor Service for those who need helping setting up index-fund portfolios they can manage on their own.
Dan is also a veteran journalist and author who has written about personal finance for many Canadian magazines, including MoneySense (where he is a columnist and consulting editor), Canadian MoneySaver and Financial Post. His articles have earned six National Magazine Awards nominations, and in 2013 he was named Journalist of the Year by the CFA Society of Toronto. Dan is also the author of The MoneySense Guide to the Perfect Portfolio, a complete guide to index investing in Canada, now in its third edition.
Oaktree’s mission is to provide highly professional management with a primary emphasis on risk control in a limited number of sophisticated investment specialties. Oaktree specializes in less efﬁcient markets and alternative investments, and has extensive experience, an enviable track record, broad product range and substantial assets under management. We are dedicated to the achievement of consistent and superior performance without high risk. Our ultimate objective is investment success, the fruits of which are shared by Oaktree’s clients and personnel.
No surprise: The Hedged Economist is an economist. I’ve been at it for more years than I like to admit. If one leaves graduate school with a degree in economics, there are really only three options short of abandoning the degree and starting over. The options are: “doing” economics, telling people about economics, and applying it to your own affairs. I’ve done all three.
Currently, my focus is on applying economics to my own affairs especially financial management. That isn’t new, but my blog (hedgedeconomist.com) represents a departure. Traditionally I have avoided giving other than the broadest advice regarding personal finance, especially investing. It doesn’t take behavioral economics research or financial neurology to know people believe that they are responsible for their own financial success but fail because of bad advice. I also kept my opinions on policy to myself. People prefer confirming information, another startling discovery of behavioral economics; imagine that; people prefer “yes” men. So, given little upside and all the downside, a perversely asymmetric set of returns (that’s economist speak for a bad bet), I’ve stuck to my own affairs. But, increasingly, I get asked for my opinion, thus the blog.
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Founded by Dr. Hung Tran, MD, MS, CNPR, (in collaborations with Dr. Tran BioSci analyst, Ngoc Vu, and other PhDs), Integrated BioSci Investing (“IBI) marketplace research is delivering robust returns since inceptions. To name a few winners, Nektar Therapeutics procured over 337% profits while Spectrum Pharmaceuticals delivered over 196% gains. Our secret sauce is extreme due diligence coupled with expert data analysis. The service features a once-weekly exclusive in-depth Integrated BioSci article (in the form of research, reports, or interviews), daily individual stocks consulting, and model portfolios. Of note, we’ll increase our price soon (SUBSCRIBE to IBI now to lock in the legacy price and save money). Click the orange FOLLOW button to receive the FREE real-time alerts on our articles and blogs. To read the FREE once-weekly articles covering promising small-cap bioscience firms, check out www.drtranbiosci.com (and make sure to register for our mailing list). You can read up on Dr. Tran’s background in an in-depth article by following this link. http://www.drtranbiosci.com/p/dr-tran.html "Stellar therapeutics for patients. Differentiated intelligence for investors. Premium valuations for firms."
Scott Galloway is a Professor of Marketing at the NYU Stern School of Business where he teaches brand strategy and digital marketing. In 2012, Professor Galloway was named “One of the World’s 50 Best Business School Professors” by Poets & Quants. He is also the founder of Red Envelope and Prophet Brand Strategy. Scott was elected to the World Economic Forum’s Global Leaders of Tomorrow and has served on the boards of directors of Eddie Bauer (Nasdaq: EBHI), The New York Times Company (NYSE: NYT), Urban Outfitters, and UC Berkeley’s Haas School of Business. He received a B.A. from UCLA and an M.B.A. from UC Berkeley.
It is very hard or impossible to time the broad market consistently — there are no famous investors that got rich by consistently knowing what the broad market would do next. This only makes sense, as there are just too many variables in the broad market. But there are many famous investors who got rich analyzing individual securities, and this is where you should put your focus. You can get an edge in individual securities. Joe Springer was the number 1 ranked stock analyst in the world by tipranks.com. Joe is a Certified Technical Trainer, and enjoys teaching about the stock market as well as managing portfolios. If you would like to follow Joe on Twitter, his handle is @JoeSpringer.
I am a buy and hold common stock investor. Warren Buffett is definitely my guru. He makes the most sense to me. I began investing in the stock market at age 14 in 1970 with money earned on my paper route. What I have done since 1970 is invest primarily in the Dividend Aristocrats whenever the stock market is relatively low. I have never sold a single share of stock except on the rare occasion when one of my stocks was bought out for cash and I was forced to sell.. I keep all of my stock certificates or direct registration statements in a safe deposit box at the bank. I do not automatically reinvest dividends. I only purchase stocks when I feel that the stock market is relatively low. Brown University, B. A., 1978. Below are the 39 stocks in my portfolio.
If you've landed here, it's either in error or because you are a little curious. Please indulge me for a moment: I signed up as a contributor to publish in September, 2017 the ten-series of artlcles on what Senior Editor Gil Weinreich featured as 'America's Future Finances'. I consider this the single most important matter that will affect nearly everyone in the U.S. in the next two decades. Risk has two components: probability and severity. Collectively, the eight financial challenges addressed in the series, unless they reverse course soon, will rise to the maximum level of both.
Sound like an oversell? Maybe, but you decide. (For credibility, I've published only 11 articles as a newbie author as of this writing, 4 of which have garnered 'Editor's Pick' status.) Please consider a short investment of your time - a 20 second page-down scan of the final article 10, which summarizes the series. Then, consider whether it is worth your investment of time to read the supporting evidence in the articles, which I cited from over 50 articles and other sources, and invested over 150 hours in researching, developing, drafting, and editing. Then, objectively decide for yourself.
We have many growing concerns in this nation (name your poison: opioids, ineffective politicians, terrorism and rogue nation threats, global warming, others). May I suggest you consider thoughtfully where this ranks within the next 20 years in terms of probability, severity, length, and pervasiveness affecting most every living American. I promise you that your awareness of the challenges we face will be sobering, how you think about investing for retirement will change, and that your time invested will be well worth it.
Nearly 40-year, and now retired, CPA. Former experience includes audit and tax work with small and large CPA firms (including as a manager with a 'Big Eight' firm) for companies ranging in size from shoebox records to 10q and 10q reviews (and audit) for a Fortune 500. Also served in various private companies as controller/CFO.
Spent the last 21 years prior to retirement with several municipalities as Finance Director (former CPFO, CGFM, CNA) with background in all aspects of financial and treasury management. This included investment of a $25m portfolio in fixed income investments, and issuances of SEC-registered municipal bonds (writing the POS's and OS's), including a trip to Wall Street to meet with Moody's for a bond rating and for a bond insurance meeting (which included a cool visit on the floor of the NYSE during the trading day, pre- 9/11).
I also benefit from a series four week-long seminars on real estate economic development training via classes and tests to become certified as an Economic Development Finance Professional (EDFP). (Never used one bit of it in my career, but it sure helps to understand IRR's etc for REITs now.)
Beyond the CPA-type details, macro-focused and long-term strategic thinker and investor since the early 1980s focused on DGI of revenue-growing cash-flow cows. As a retiree, I prefer investments to companies with 1) steady, monthly, growing top line revenue, 2) growing cash flow and income and dividends, 3) strong long-term runway for product/service demand, 4) with strong controls over expenses and little overhead %. Investing for both growing dividends and total return. These characteristics, particularly increasing dividends during hard times, build wealth over time by compounding including reinvestment in the Roth and traditional IRAs. I find many selective REITs to strongly fulfill these specific portfolio criteria more than many non-reits (particularly economic-sensitive including cyclicals and banks). My holdings have changed over recent years and will change going forward as I continue to learn and tweak my portfolio. While I would prefer to be a long-term buy monitor investor, I've recognized that circumstances change over time, and what was once a great investment may no longer be. While I am presently focused on data center, tower, and fiber reits, I also expect in the future to evaluate many other investment choices.
As a retiree, I'm not a trader. I prefer owning companies with great fundamentals versus more riskier options. This means fewer worries about the thousands of minute-by-minute price overreactions when Mr. Market has another bi-polar manic tantrum. When prices drop, I just remind myself that I own great companies with strong fundamentals in sound long-term growing businesses having growing cash flows and dividends. Selloffs are awesome opportunities: value buying matters enormously, having learned that overpaying has been my greatest mistake, but one of the best lessons learned.
My career experience In accounting and finance provides critical skills sets for investing, of which one of the best is recognizing the exponential wealth-building power of reinvestment of divvies in deferred/tax free accounts.
SA handle explanation: photo - Lennon Rickenbacker 350 model. former member of 60's/Beatles bands, harp, keyboards, backing vocals, occasional lead vocal. Met McCartney a couple of times in '74 at his home in St. Johns Wood, a few blocks from EMI studios at Abbey Road (if you're going to London). Got hooked at that point.
James A. Kostohryz has accumulated over twenty years of experience investing and trading virtually every asset class across the globe.
Kostohryz started his investment career as an analyst at one of the US's largest asset management firms covering sectors as diverse as emerging markets, banking, energy, construction, real estate, metals and mining. Later, Kostohryz became Chief Global Strategist and Head of International Investments for a major investment bank. Kostohryz currently manages his own investment firm, specializing in proprietary trading and institutional portfolio management advisory.
Born in Mexico, Kostohryz grew up between south Texas and Colombia, has lived and worked in nine different countries, and has traveled extensively in more than 50 others. Kostohryz actively pursues various intellectual interests and is currently writing a book about the impact of culture on economic development. He is a former NCAA and world-class decathlete and has stayed active in a variety of sports.
Kostohryz graduated with honors from both Stanford University and Harvard Law School.
You can receive custom delivery of all of Mr. Kostohryz's published work on Seeking Alpha, The Street, and other media, as well as exclusive material, by following the link below. It is absolutely free:
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Sorry I hide my true identity but I'm a physicist/engineer, native contrarian and idea generator. I am an eclectic dividend investor with motto "In God We Trust, All Others Pay Cash" applied to companies I invest in.
I like to read /and read a lot - did you look on my SA photo 8-)? / including popular and academic investment books and papers. After 200+ books I concluded that many (but not all) finance academics failed to delivery a good science because they usually are more concerned about match between their models and limited (in time and place) data-sets than about underlying assumptions of their models. On another hand, finance practitioners such as fund managers have different goals than I (for example, they want to outperform or replicate market each single year while my goal is to have smooth income from my investment and I don't worry to underperform in a bull market) and to some extend more limited in their choices than I (for example, with micro- and nano-cap stocks). It gives a chance for me as amateur investor to compete successfully with professionals in niche strategies such as dividend investment (see http://seekingalpha.com/instablog/725729-sds-seductive-dividend-stocks/266502-why-i-m-a-dividend-zealot-jan-31-2012).
My real portfolio consists of more than 100 dividend growth (DG) and high yield (HY) high quality stocks of USA and foreign companies with good history of dividend payments. I cherry-picked these stocks from the end of XX century in accordance with my ideas on diversification for income-equity investors ( http://seekingalpha.com/instablog/725729-sds-seductive-dividend-stocks/4183595-an-estimation-of-dividend-growth-portfolio-size). I also maintain artificial so-called "poor"folio of dividend stocks I use for self-education about market.
I understand that DGI is mostly trust in company's Board of Directors consistency and that HYI is mostly disagreement with market sentiment but both styles fit my goals and mentality,
My investor edges are
i) critical scientific approach (used in natural science rather than in liberal sciences) to finance academics ideas and strong selection between useful and worthless findings;
ii) quite predictable proprietary model of dividend reductions forecast in near future (couple years) that I have delivered from mix of hardware engineering ideas and physics concepts with finance data and behavior signals that allows me to sell stocks before such unpleasant event, and that I continue to polish;
iii) independence in time frames and market exposures forbidden for many finance practitioners;
iv) analyses of companies that are too small for institutional investors.
I have couple excellent ideas in dividend investing I'd like to capitalize, so serious requests are welcome.
I rather put my thoughts and ideas in SA Instablog and comments than in articles (I'm pretty busy/lazy/English-incompetent to perfect an article) but in all cases all standard disclaimers are applied. One of good things I have learned in Intel, that decision should be data driven. So I try to supply my ideas and thoughts with most relevant data. I love old Russian writer and dramatist Anton Chekhov principle "Brevity is the sister of talent" and think it is even more important nowadays with ocean of information in front of any investor. So, I try to follow this principle in my SA instablog and comments but please remember that "If I have more time, I would have written shorter".
Being a scientific journals referee I have a bad habit to find few weak points in almost any manuscript, so I probably too critical in some comments but I hope the article authors excuse me. I prefer communicate via SA email rather than inside comments (I usually turn off "Track new comments on this article" feature SA has). So send me a SA email if you have a question or would like to discuss my point of view.
A regular guy (still alive from New York!) who shows how he would manage a model (not actual) portfolio for educational purposes only, my personal finances are my own business and the disclosure statement is only for the portfolio we are discussing (if an asset is held personally, I will note that in the disclosure). I give absolutely no advice, and only offer suggestions on how I could manage a portfolio. My personal portfolio and finances can change at any time, which has nothing to do with the educational value of any article.
The main reason for a subscriber to "Follow" me, especially for the model portfolios (TARP or otherwise), is to glean some knowledge to become a better investor and not simply place bets. Money management is every bit as important as any other aspect of investing, and by following a portfolio and the actions taken, you can gain some insight into a somewhat higher level of investing acumen. There are no requirements, and this is not "rocket science" - it is simply a powerful way for you to put the money you have worked hard for to work even harder for you. My message will be consistent, and my hope by doing this is to share my own experiences, illustrated in the model mock portfolios I build exclusively for Seeking Alpha. Knowledge is power, and many folks shy away from the investing world because that very world makes it more confusing each and every day in an effort to sell you something: stock picks, technical strategies, books, videos, subscriptions with "secret ideas," gadgets, and even snake oil. My promise to you is that my work here will remain free to all of my followers, with the hope of giving to you some of the things that took years for me to learn myself.
I am a US Air Force Academy graduate and pilot. I have a Bachelors of Science in Economics. I flew KC-135 tankers and also worked as the budget officer in the comptroller’s squadron. I started off my civilian career as a stock broker for Dean Witter. After leaving Dean Witter I worked at a regional Broker Dealer called National Securities. I was a research analyst and authored and published reports in the aerospace sector. I am no stranger to public speaking and was a guest professor at the local community college teaching about the stock and options markets. In 1999 I left the securities business to test my skills as an entrepreneur.
Currently I work as a contract CFO for various public companies.
Georg Vrba is a professional engineer who has been a consulting engineer for many years. In his opinion, mathematical models provide better guidance to market direction than financial "experts." He has developed financial models for the stock market, the bond market, yield curve, gold, silver and recession prediction, most of which are updated weekly at http://imarketsignals.com/.
The Clinically Sound Investor is a pharmacist with a PharmD and a BA in psychology. He has worked across the spectrum from very small independent and hospital pharmacies to the some of the largest retail corporations and medical centers in the nation, as well as experience in specialty and mail order settings. Fascinated by watching the rise of Walmart and Apple after 2008, he now follows the advice "know thyself" and puts expertise of understaning scientific literature to research biotechnology stocks. His investments early on were driven by binary events such as FDA Advisory Committee meetings and PDUFA dates (approvals). Despite initial successes, there were too few of these events, so he expanded into predicting Phase II/III trial results. His writings should not be considered financial advice or the basis for investment decisions. While his interpretations of clinical trial results--which may be overlooked or even thoroughly misunderstood by Wall Street--could be helpful, they're only as good as the original reports they come from. Although written by scientists and doctors, there will always be a slant from the sponsoring company, or worse (like, say, missing data...).
Doug Carey is the owner and founder of WealthTrace. He has over 21 years of experience in the financial markets. He has a masters degree in Economics from Miami University in Oxford, Ohio and a B.S. degree in Economics, with an emphasis in Finance, from Ball State University. He also holds the Chartered Financial Analyst (CFA) designation.
Mr. Carey began managing money in 1997 when he became a portfolio manager for National City Bank helping to oversee over $10 billion in assets. He managed money for pension funds, 401K funds, mutual funds, large companies, and endowment funds. He has also been managing money for families for over 13 years.
Before starting WealthTrace, Mr. Carey helped build a financial software company where he designed and created software to help portfolio managers and investment professionals analyze and manage portfolios and securities. Mr. Carey also offers one-on-one financial planning and investment management services through our Registered Investment Advisor (RIA) firm. We are fee-only and do not work on any commissions so our goals are aligned with yours. Because we do everything online we can charge much less than standard advisors for our services.
Led by a Certified Public Accountant and Registered Investment Advisor with an MBA Finance concentration, ValueInvestorsPortal adheres to an accounting-driven, value-oriented investing philosophy. We share Benjamin Graham's and David Dodd's philosophy that the better the bargain, the lower the risk. We believe following this way of thinking provides high yields and low risk.
In addition, we follow Warren Buffett's approach to focus within our circle of competence. This discipline is important to us because investing is highly competitive, where misallocation of capital is seldom forgiven.
Earned an M.S. in Electrical Engineering from The Johns Hopkins University, and an M.S. in Remote Sensing Intelligence from The Naval Postgraduate School. Retired early to pursue my own creative interests. Managing my own investments since 2002, while developing investing related software tools like Cu Parachute and Allocation (now available on the App Store for iOS devices).
Henri Blomster is a member of the Board of Directors of a company called Salkkumedia and he studies Finance at Aalto University School of Business. In addition Henri has a broad and long experience as private investor. Furthermore Henri has a PhD in Cell Biology and as a researcher he got experienced in data analysis of several concurrent components, i.e. Systems Biology.
BSEE The Cooper Union, school of engineering 1966. Engineering manager Harris corp. 23 years Software development, Grumman Corp 10 years as project manager.
25 years managing my own IRA accounts, in retirement now with a CAGR of 11.25%
Andy Hecht is a sought-after commodity and futures trader, an options expert and analyst. He is the #2 ranked author on Seeking Alpha in both the commodities and precious metals categories. He is also the author of the weekly Hecht Commodity Report on Marketplace - the most comprehensive, deep-dive commodities report available on Seeking Alpha.
Andy spent nearly 35 years on Wall Street, including two decades on the trading desk of Phillip Brothers, which became Salomon Brothers and ultimately part of Citigroup.
Over the past two decades, he has researched, structured and executed some of the largest trades ever made, involving massive quantities of precious metals and bulk commodities.
Andy understands the market in a way many traders can’t imagine. He’s booked vessels, armored cars, and trains to transport and store a broad range of commodities. And he’s worked directly with The United Nations and the legendary trading group Phibro.
Today, Andy remains in close contact with sources around the world and his network of traders.
“I have a vast Rolodex of information in my head… so many bull and bear markets. When something happens, I don’t have to think. I just react. History does tend to repeat itself over and over.”
His friends and mentors include highly regarded energy and precious metals traders, supply line specialists and international shipping companies that give him vast insight into the market.
Andy’s writing and analysis are on many market-based websites including CQG. Andy lectures at colleges and Universities. He also contributes to Traders Magazine. He consults for companies involved in producing and consuming commodities. Andy's biweekly radio show, The Commodities Hour with Andy Hecht, can be heard on Tuesdays and Thursdays from 5-6 PM EST on www.tfnn.com. Andy’s first book How to Make Money with Commodities, published by McGraw-Hill was released in 2013 and has received excellent reviews. Andy held a Series 3 and Series 30 license from the National Futures Association and a collaborator and strategist with hedge funds. Andy is the commodity expert for the website about.com and blogs on his own site technomentals.com.
After having been in the investing world for more than 25 years from private banking and investment management to private and venture capital; I have pretty much "been there and done that" at one point or another. I am currently a silent partner for an RIA in Houston, Texas.
The majority of my time is spent analyzing, researching and writing commentary about investing, investor psychology and macro-views of the markets and the economy. My thoughts are not generally mainstream and are often contrarian in nature but I try an use a common sense approach, clear explanations and my “real world” experience in the process.
I am the Chief Editor of the REAL INVESTMENT REPORT, a weekly subscriber based-newsletter that is distributed nationwide. The newsletter covers economic, political and market topics as they relate to your money and life.
I also write a daily blog which is read by thousands nationwide from individuals to professionals at www.realinvestmentadvice.com.
I am an individual investor and focus on investing in dividend-paying and dividend-growing stocks with a long-term horizon. In addition to a DGI portfolio, I manage and invest in a couple of high-income portfolios as well as some Risk-adjusted Rotation Strategies. I believe "Passive Income" is what makes you 'Financially Free'. My personal goal is to generate at least 50% of my retirement income from dividends and rest from other investments like real-estate (rental) etc. I have been investing for the last 25 years and consider myself an experienced investor. I plan to share my experiences by way of writing two or three articles a month and also share my portfolio strategy.
I am currently long on ABT, ABBV, JNJ, PFE, NVS, NVO, CL, CLX, GIS, UL, NSRGY, PG, MON, ADM, MO, PM, KO, DEO, MCD, WMT, WBA, CVS, LOW, CSCO, MSFT, INTC, T, VZ, VTR, CVX, XOM, VLO, HCP, O, OHI, NNN, STAG, WPC, MAIN, NLY, ARCC, PCI, PDI, PFF, RFI, RNP, UTF, EVT, FFC, HQH, KYN, NMZ, NBB, JPS, JRI, TLT.
I’m an early 40′s Internet entrepreneur that launched several dot coms with varying success in each. At the very least my living has been made online for the past 18 years and at the most I had a fun time in each venture.
I began seriously investing for dividend income around 2007 when my business at the time was literally falling off a cliff, as most of the world was starting too as well, when my need for another income stream became more apparent. I have always known the benefits of dividends from my very first stock purchase back in 1988 but wasn't yet sold on the concept of tying up my money indefinitely purely for a dividend income stream. It was around that time that I learned about Dividend Aristocrats and Dividend Champions when it all just made sense. I could literally see the effects of compounding dividends from these select companies and thought a nice diversified portfolio could provide me with a decent to excellent income stream decades down the road.