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  • Zero-Fees Trading: Too Good to be True?
    Plus Third Quarter 2019 Market Report

    John Gorlow | Oct 13, 2019
    CardiffPark_Perspective

    The S&P 500 delivered a modest increase in the third quarter, helping stocks hold on to their biggest year-to-date gains in more than two decades. The simultaneous rise in safe assets like Treasuries reflects the fact that the most prominent economic narratives today are not optimistic. If you add the bleak surveys of business confidence worldwide, you may decide it’s time to batten down the hatches in preparation for a downturn. But you can't predict the future, and neither can anyone else. Meanwhile, in the battle to capture customers, Charles Schwab shook the brokerage industry last week when it said it will cut commissions to zero. Schwab’s move has since been matched by TD Ameritrade, Fidelity and others. We’ll look at benefits and potential concerns of this latest step after a review of Q3 market results.

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  • Emerging Markets: Hold or Fold?
    Plus July Market Report

    John Gorlow | Aug 16, 2019
    CardiffPark_Perspective

    When will Emerging Markets come back to life? Ten years is a long time for buy-and-hold investors to be patient, especially when comparing the subpar returns of Emerging Markets to the stratospheric gains of the S&P 500 Index over the same decade. The data tell a nuanced global story, punctuated by politics, protectionism, nationalism, trade wars, climate change, and unexpected winners and losers. In our view, the story is far from over. We’ll share our perspective and advice after a look at the July markets.

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  • Opportunity Funds: Too Good to be True?
    Plus Mid-Year 2019 Market Report

    John Gorlow | Jul 17, 2019
    CardiffPark_Perspective

    You may have heard about “opportunity zones,” real estate hot spots that are attracting developers, fund managers and investors. Got $1,000,000 in capital gains? You could roll those capital gains into a “Qualified Opportunity Fund (QOF)” to defer or reduce current tax obligations and eliminate future capital gains! One catch: your money has to be tied up for ten years to reap the full benefits. Also, there’s no guarantee that your $1,000,000 investment will make a dime. We’ll look at the benefits and potential perils of this latest real estate investment craze after a review of Q2 market results. 

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  • Chasing Yield in a Shady Market
    Plus May Market Report

    John Gorlow | Jun 11, 2019
    CardiffPark_Perspective

    “Ticking time bomb.” “Marginal, non-creditworthy borrowers.” “Vulnerable to runs.” “Huge deterioration in standards.” You may have been reading the press about Collateralized Loan Obligations (CLOs) over the past few months or year. They are not a new product, but warnings about their risks are on the rise. Are you tempted to invest in these high-yield securities? If so, learn more before jumping in. Our analysis follows a review of May markets.


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  • Misaligned Expectations
    Plus February Market Review

    John Gorlow | Mar 20, 2019
    CardiffPark_Perspective

    You may have seen recent news reports about financial institutions being chastised by Congress, fined by the SEC, and otherwise called out for various forms of wrongdoing and self-serving behavior. These stories collectively point to an ever-growing misalignment between financial institutions and the people they serve, who rightfully expect to be protected rather than taken advantage of. This month we demonstrate how misalignment occurs, and how Cardiff Park safeguards against it. First, a review of February markets. 

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  • An Enlightened Approach to Investing
    Plus January Market Report

    John Gorlow | Feb 22, 2019
    CardiffPark_Perspective

    This month I want to remove the clutter of misassumptions, doubts, and second-guessing about investment returns. I’ll provide an analytical framework for evaluating investment performance in any given year, regardless of market direction. I’ll demonstrate the life-changing value of remaining fully committed to a proven strategy, sticking with trusted fund partners, and choosing a fiduciary advisor like Cardiff Park. My aim is to dial down the financial noise, refocus your attention on vital facts, and free up mind-space for thinking and behaving strategically in order to make more informed investment decisions. First, a look at January markets.

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  • Market Stall
    Plus 2018 Year-End Market Review

    John Gorlow | Jan 21, 2019
    CardiffPark_Perspective

    After hanging onto gains and fighting back losses for three quarters of the year, the markets lost steam in Q4 and ended 2018 in a volatile stew, producing a negative return of -10.08% for the year (MSCI All Country World Index). Volatility creates fear, often feeding on itself. But don’t lose sight of positive returns for the previous three, five- and ten-year periods, 6.49%, 4.17% and 9.74% respectively for the same index. Here we offer a historical perspective on the benefits of remaining diversified and disciplined in the face of uncertainty. First, a review of 2018 markets.


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338 Via Vera Cruz, Suite 240, San Marcos, CA 92078
Phone (760) 635-7526
Toll Free (888) 332-2238
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