Index Investing’s Market Impact

Over the past few decades, there has been a substantial shift from active to passive investment strategies. The shift has occurred as investors have become more aware of the persistent failure of active management, as demonstrated in the S&P Dow Jones biannual Indices Versus Active (SPIVA) reports. (more…)

Do Mutual Funds Outperform Benchmarks?

This analysis from Dimensional Fund Advisors of US-based mutual funds shows that only a small percentage of funds have outperformed industry benchmarks after costs—and among top-ranked funds based on past results, only a small percentage have repeated their success. Click below to watch:

Tuning Out The Noise

Five Questions to Ponder when Doing a Life Insurance Audit

So much of the maintenance of our personal finances falls into the category of “boring, but important.” But when it comes to life insurance, our subconscious resistance to the topic is further compounded because, unlike retirement or career planning, your pot of gold at the end of the life insurance rainbow is actually a headstone.

We don’t like to talk about life insurance for numerous reasons, but especially because it requires acknowledgment of the fragility of our own lives, and of those we love. But considering the extremely high probability of our mortality, life insurance is one of the most important topics to include in your financial spring cleaning.

To ensure your life insurance planning is on track, ask and answer these five questions: (more…)

Investing Lessons from 2017

Every year, the markets provide us with lessons on the prudent investment strategy. Many times, markets offer investors remedial courses, covering lessons it taught in previous years. That’s why one of my favorite sayings is that there’s nothing new in investing—only investment history you don’t yet know. (more…)

Equifax: What You Need to Know

On September 7, 2017, Equifax, one of the major credit reporting bureaus, issued a press release announcing that on July 29 it had discovered “unauthorized access” to data belonging to as many as 143 million U.S. consumers. We have compiled some information that we hope may help you understand what happened and what to do next. As always, please don’t hesitate to reach out to us if you have specific questions. (more…)

Financial Spring Cleaning: Life Insurance Audit

So much of the maintenance of our personal finances falls into the category of “boring, but important.” But when it comes to life insurance, our subconscious resistance to the topic is further compounded because, unlike retirement or career planning, your pot of gold at the end of the life insurance rainbow is actually a headstone. (more…)

Following Up On 2017’s ‘Sure Things’

At the start of each year, Larry Swedroe (Director of Research at The BAM Alliance) put together a list of predictions gurus make for the upcoming year—sort of a consensus of “sure things.” (more…)

Lauterbach Financial Advisors Voted “Best Investment Firm”

Thank you El Paso!

Lauterbach Financial Advisors was voted by readers of El Paso Times and the community at large as the “Best Investment Firm” at Best of the Border 2016 awards.

We’re thankful and proud for this recognition and look forward to continuing our commitment to help our clients Live Financially Confident.

 

Save Social Security for Later, When You Need It Most

I think we’ve been looking at Social Security retirement benefits all wrong. In the long-running debate about when to take Social Security — as early as age 62 or as late as age 70 — the focus has been on timing your claim to get the most money, in total, out of the social safety net.

This is a circular argument that will never be fully decided until the Social Security recipient in question dies. So let’s shift the focus from the question “How do we get the most out of Social Security?” to “How do we get Social Security when we need it most?” (more…)

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