A Pile of Funds Is Not a Portfolio
Count the funds you own right now. Do you know why each one is there? If that’s hard to answer, you have a collection — not a plan.
The Steady Core and the Bold Slice
Once the mix is set, how should the money actually be held? In two simple layers — a steady core that does the heavy lifting, and a small, bold satellite that reaches for a little more.
How We Decide How Much Equity to Hold
Should your equity weight really be the same when markets are cheap as when they’re stretched? Most plans never change it — or change it on gut and headlines. We use four objective signals instead.
Allocation First. Everything Else Follows.
You’ve been sold plenty over the years. Have you ever actually been advised? The difference begins with one question — not “which fund?”, but “what mix?”
Why I’d Choose Pure Equity, Not a Hybrid
HJ Hardik Joshi, CFP® · Insights A Personal View Why I’d Choose Pure Equity, Not a Hybrid A new hybrid fund is being sold on every corner right now. Here is why — for money I won’t touch for many years — I’d still choose plain equity, and how to tell a sales push from […]
Your Business Is Not Your Retirement Plan
Almost everything you own is inside the business — until the day you need it to be cash, and it isn’t.
Your Net Worth Shouldn’t Wear One Company’s Logo
When salary, savings and bonus all ride on one company, you are far less diversified than you think.
The Professional Who Is Their Own Pension
No employer is quietly funding your retirement. For an independent professional, that job is entirely yours.
The Three Ages of a Doctor’s Money
A doctor’s wealth moves through three seasons. Each one has its own quiet trap.
How Much Equity After Fifty
The instinct at fifty is to retreat from equity. The arithmetic, quietly, says the opposite.