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  • Storm Warning: The Perils of Reinsurance
    Plus Q2 2017 Market Report

    John Gorlow | Jul 10, 2017
    catbonds192x128

    Insurers are on the hook when a hurricane slams into the coast of Florida, a tsunami hits Japan, a drought-stoked fire consumes large swaths of Northern California, or a Malaysian airline goes missing. Backing the insurers is a nearly $600 billion reinsurance juggernaut that’s also on the hook. As new investment money pours into this sector, some industry analysts worry that a storm is brewing with potentially devastating consequences. Could this be the next banking meltdown? After a review of Q2 2017 market data, we take a closer look at the reinsurance market. 

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  • A WAKE-UP CALL FOR THE EU

    John Gorlow | Jun 24, 2016
    BrexitWhat A Difference A Day Makes. 
     
    “Explosive shock” is how one Reuters headline described the reaction to yesterday’s vote that severed UK ties with the European Union.

    Markets around the world plunged as analysts and pundits struggled to understand long-term implications. Investors were stunned, wondering where the unraveling of the EU will end. 
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  • New Fiduciary Rule for Brokers

    John Gorlow | Apr 17, 2016
    FiduciaryA Win for Consumers

    In any other industry, requiring professionals to act in the best interests of their clients might seem like a no-brainer. But this is the financial industry we’re talking about.

    In early April, the Department of Labor announced new rules requiring financial professionals to adopt a fiduciary standard, placing client interests ahead of their own. This could be a game-changer
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  • Innovative ETFs Mask Hidden Risks

    John Gorlow | Dec 09, 2015

    eyesInnovation fuels the investment industry with a steady stream of new products. And yet many of these products are unproven, with hidden risks and consequences that even seasoned investors can’t foresee. Here we take a closer look at one of the industry’s greatest innovations of the 21st century—Exchange Traded Funds, or “ETFs”—now grown into a multi-trillion dollar marketplace. Does this much-touted product serve your best interests? Read on. 

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  • Is Tax Loss Harvesting Right For You?

    John Gorlow | Nov 06, 2015
    TaxLossSmall

    This appealing strategy has pitfalls, too

    Who doesn’t want to reduce their tax bill? At the end of the year, one popular tactic is tax loss harvesting, a strategy of selling stocks, mutual funds, exchange-traded funds and other investments that are worth less than what one paid for them. The idea is to use losses to offset realized capital gains on other investments. On the surface, tax loss harvesting seems attractive, but is it a good fit for the long-term investor? It depends.

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  • Smart Beta Strategies: Beyond The Hype

    John Gorlow | Sep 28, 2015
    Reaching for BetaReaching For A Better Solution: Is Smart Beta Right for You?

    Wouldn’t it be great if you could reap equal or greater returns while lowering your risk? That’s the allure of new “smart beta” strategies. But are these strategies proven and reliable or simply the latest marketing gimmick to reel in gullible investors? Here we offer a quick primer on what smart beta investing is all about, and advice for those considering it.

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  • Private Equity, High Fees and Risk: Oct 26, 2014

    John Gorlow | Oct 26, 2014
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    As recently as last year, and for the first time in 80 years, federal regulators lifted a ban on advertising allowing hedge funds and private equity buyout firms to now promote their products to the general public. This piece of legislation fundamentally changed the way in which private placement issuers raise money and affords them an opportunity to collect even more in management fees.

    For decades the private offering giants persuaded institutions and university endowments to entrust them with investing billions of their dollars while promising diversification and better returns than the general market.

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  • Financial Times | Top 300 Investment Advisor

    John Gorlow | Jul 02, 2014

    FT_300_LogoTo our surprise and delight we received this news late last week:

    “Congratulations! Cardiff Park Advisors has been named to the inaugural 2014 Financial Times 300 Top Registered Investment Advisers List…. In a field of outstanding financial professionals, the FT 300 should be considered a list of truly exceptional advisor firms.”

    Click here for the full report. 

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  • The Illusion of Understanding

    John Gorlow | Apr 23, 2014

    Human beings love to imagine connections between events where none really exist. For financial journalists, this is a virtual job requirement. For investors, it can be a disaster.

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  • Dividend Paying Stocks: Nov 5th 2013

    John Gorlow | Nov 05, 2013

    Since the early days of security analysis, research has emphasized the potential benefit of buying stocks at a price that is reasonable to the fundamentals. The oldest benchmark for valuation is the dividend yield. Stocks that trade at a high dividend yield are often referred to as value stocks. Stocks that trade at a low dividend yield are often referred to as growth stocks. Value and growth investing have given rise to dramatically different records of long-term performance. A large body of evidence suggests that there has been a higher long term-term return both domestically and internationally from investing in value stocks.

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