EVENTS
LIBRARY
PROSPERITY U
LINKS

Archived Articles

January 2018 Newsletter

Thursday, January 18th, 2018
We are always filled with optimism at the start of a brand new year, even though how the year unfolds is a complete mystery! But much of it is in our control, isn’t it?
We can’t control sudden changes in our lives: illnesses, accidents, and other unexpected life events, but we can do what we can to be prepared. That’s why we buy insurance, make a retirement and estate plan, further our education, apprise ourselves of national and world events, learn how to be healthier, lessen stress and take care of our families.
We can’t control the markets, but we can be prepared for whatever moves they take. Last year was a great year for investments. Most people made a good return. We haven’t had a bear market, or correction, in quite a while. It will come, we just don’t know when.
Therefore, it’s a perfect time to re-evaluate your objective. If you are someone who is planning on retiring in the next 5 years or so, you may want to change your allocation of investments, lessening your exposure to stocks, and placing more into fixed income, or bonds in your portfolio. If you are already retired, chances are you have the proper allocation to weather any bear market. Keep in mind, the average down market lasts 6 to 18 months, and the average bull, or up market, lasts several years. But there are no guarantees. the only thing we are sure of is change!
Let us know if you want an evaluation of your current portfolio to see if it is meeting your goals, your comfort or risk  level, and readiness for whatever may come!
May this be a great year for each and every one of you.
To your Financial Wellbeing,
Kasey Claytor,  Aaron Wade  & Dawn Lopez
Bitcoin? To buy or not?

Bitcoin is in the news everywhere you turn! How much it has risen, how you are missing out if you aren’t in this new investment! We want to give you real information on this before you jump into a volatile currency. If you are tempted by all the hype, read this first. 

Posted in Articles, Blog Posts, Newsletters

The 10 Investment Related Resolutions

Thursday, August 4th, 2011

1. I will not confuse entertainment with advice. I will acknowledge that the financial media is in the entertainment business and their message can compromise my long-term focus and discipline, leading me to make poor investment decisions.

2. I will stop searching for tomorrow’s star money manager, as there are no gurus. Capitalism will be my guru because with capitalism there is a positive expected return on capital, and it is there for the taking. And for me to succeed, someone else doesn’t have to fail.

3. I will not invest based on a forecast—whether it is mine or anyone else’s. I will recognize that the urge to form an opinion will never go away, but I won’t act on it because no one can repeatedly predict the future. It is, by definition, uncertain.

4. I will keep a long-term perspective and appropriately consider my investment horizon (i.e., how long my portfolio is to be invested) when determining my performance horizon (i.e., the time frame I use to evaluate results).

5. I will continue to invest new capital and work my plan because it is time in the market—and not timing the market—that matters.

6. I will adhere to my plan and continue to rebalance (i.e., systematically buying more of what hasn’t done well recently) rather than “unbalance” (i.e., buying more of what’s hot).

7. I will not focus my portfolio in a few securities, or even a few asset classes, as diversification remains the closest thing to a free lunch.

8. I will ensure my portfolio is appropriate for my goals and objectives while only taking risks worth taking.

9. I will manage my emotions by learning about and acknowledging the biases and cognitive errors that influence my behavior.

10. I will keep my cost of investing reasonable.

Most of us find it hard to follow a sensible diet or a sensible investment strategy 100% of the time. If you must stray when managing your wealth or well-being, moderation is the key. Chocolate cake is OK, as long as it’s not for dinner every night. Speculating on a stock or two is all right as well, as long as you don’t do it with your investment capital.

Finally, just as successful athletes rely on coaches and trainers to help them achieve their goals, most investors can probably benefit from having a “financial coach” to remind them about their New Year’s resolutions and keep them on track toward a more prosperous future.

From: Northern Exposure – Be It Resolved by Brad Steiman, Vice President DFA, January 2011

Posted in Articles

A MANUAL FOR SCARY MARKETS

Friday, March 13th, 2009

In this article by Carl Richards, he discusses the issues surrounds the the real-life returns of the AVERAGE INVESTOR — which have been dramatically lower than the return of the AVERAGE MUTUAL FUND. In theory, this gap shouldn’t exist, but investors were leaving money on the table and didn’t seem to understand how it happened. Carl named this phenomenon the Behavior Gap™. For over 15 years, Carl’s relentless curiosity has driven him to explore why the Behavior Gap exists and to share what he knows about it. Carl’s main purpose for creating the Behavior Gap is to help people close the gap by learning and practicing the best investor behavior. Carl shares his findings in this article, online at behaviorgap.com and at public speaking engagements.  Read more >

Posted in Articles



Osprey Money Management, LLC. • 877-650-3796 • 321-383-4005 • 918 S. Washington Avenue, Titusville, FL 32780
Osprey Money Management LLC is a Registered Investment Advisory Firm registered within the State of Florida.


Sitemap