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  • Should You Rethink How You Diversify?
    Plus July Market Report

    John Gorlow | Aug 17, 2018
    CardiffPark_Perspective

    Occasionally a cornerstone of one’s investment strategy is called into question. Recently, some pundits have claimed that adequate diversification is no longer possible due to a diminishing number of publicly traded US stocks. Join us for a closer look at this issue—and the hype and fear that surround it—following our July market review.

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  • How to Think about Benchmarks
    Plus Q2 Market Report

    John Gorlow | Jul 17, 2018
    CardiffPark_Perspective

    It’s our nature to compare our performance to others. Clothes, cars, homes, vacations, athletic skill, personal wealth, even our kids—it’s all part of a complex mental calculation that tells us how we stack up. But is there any such thing as a reliable benchmark? In life, certainly not. In investing, the answer also is “no,” as evidenced by substantial tracking error in classic benchmark indices. What’s an investor to do? We’ll share our advice after a review of Q2 markets.

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  • Dazzled and Duped: Our Morningstar Report
    April 2018 Market Report

    John Gorlow | May 08, 2018
    CardiffPark_Perspective

    It’s human nature to compare products, especially when money is involved. We’ll spend hours and even days poring over ratings for cars, washing machines, restaurants and vacations. How about picking a mutual fund? For that, millions of investors and their advisors rely on Morningstar’s five-star rating system. Does it work? Yes, but not the way you might think. This month we offer our own rating of the Morningstar juggernaut. First, a review of the April numbers.

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  • Back in Balance
    November 2017 Market Report and Commentary

    John Gorlow | Dec 12, 2017
    CardiffPark_Perspective

    Should I stay or should I go? Lyrics from an iconic ‘80s song by The Clash capture the tangled emotions of investors as 2017 draws to a close. The markets have been booming; should you stay all in, pull back, get out? Fortunately, your strategy is unaffected by emotions or sentiment. More about what to do now, after a look at November numbers. 

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  • LEARN FROM THE LOSERS
    October 2017 Market Report

    John Gorlow | Nov 08, 2017
    CardiffPark_Perspective

    Do you suffer from rearview-mirror syndrome, imagining how a top-performing fund might have boosted your portfolio? If looking at the winners makes you question your investment strategy, you’ll feel better after reading this month’s feature about survivorship bias. Things are not always what they seem. We start with a look at the October numbers.

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

    John Gorlow | Jul 10, 2017
    CardiffPark_Perspective

    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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  • Q4 2016 Market Review

    John Gorlow | Jan 18, 2017
    CardiffPark_Perspective

    Don’t Believe the News — We may look back at 2016 as the year in which Russia and fake news helped elect an American president. In the financial markets, it was a year of misleading news as well. The facts were right, that’s true, but most financial analysts got the forecast wrong. 

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  • NOVEMBER STOCKS SOAR; PUNDITS PLAY A GUESSING GAME

    John Gorlow | Dec 05, 2016
    CardiffPark_Perspective It’s the Trump era. Or a re-do of the Reagan era. Or possibly the “I don’t understand how to work this” era. How should investors navigate this complex new world of what-if scenarios? For once, even the pundits seem unsure.   

     

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  • A WAKE-UP CALL FOR THE EU

    John Gorlow | Jun 24, 2016
    CardiffPark_Perspective

    What 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
    CardiffPark_Perspective

    A WIN FOR CUSTOMERS. 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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