Springwater's May 2015 Newsletter Please click on the above title to read our latest newsletter.
Springwater’s May 2015 Newsletter
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From the archives – The Mysterious Letter and Nobody has to be Competent
One of the more interesting aspects of our practice at Springwater is that we occasionally find our "investment mood" at odds with that of our prospective clients. So it is context of managing (prospective) client expectations that we share with you below the contents...
Employer stock in your 401(k) account could be a problem
You may remember the horror stories of employees who watched their 401(k) account balances virtually disappear when the stock price of their employer collapsed. Enron and Lehman Brothers are two of the most famous examples. To the list can now be added... RadioShack....
Study shows how many mutual funds regularly beat the market
Yet another study reveals the truth about active investment management - that beating the market is hard, and doing it consistently is nearly impossible. This particular study started in March 2009 - the beginning of the current bull market - and looked at 2,862...
Closing the conflict of interest loopholes for investment advice
A February 13, 2015 New York Times article highlighted the difficulties that investors - both ordinary and sophisticated - face in finding an advisor who is obligated to act in their best interests. According to the Times, "At present, many brokers do not have to...
Nobel Prize winner Eugene Fama: Active management is a bad bet
At Springwater, we build portfolios based on the science of capital markets to deliver a better investment experience for our clients. We know that you don't need to accurately predict the future to deliver successful long-term performance. With the market again near...
Answers to your Social Security questions
Social Security expert Mary Beth Franklin answered ten popular questions about Social Security in a recent Investment News article. You can read the entire piece here.
Springwater’s Fourth Quarter 2014 Market Commentary
Click here to read our market commentary for the fourth quarter of 2014.
Understanding the hidden costs in your 401(k) plan
In many retirement plans, a significant amount of a participant's earnings are lost to fees. The New York Times recently featured an article on the challenges that one retired 401(k) plan participant is facing in his efforts to hold his employer accountable for the...
How Social Security annual cost increases are calculated
Author Mary Beth Franklin recently published an excellent primer on the methodology used for calculating the annual percentage increase in Social Security benefits. In summary, average inflation for the third quarter of the current year - as measured by the Consumer...
Oregon publishes 2015 health insurance cost comparison tool
The state of Oregon has made available consumer cost information on all individual health insurance plans offered through Cover Oregon at the federal healthcare.gov website (the Marketplace) and all individual plans offered in Oregon outside the Marketplace. The data...
(Most) all of your questions about the Affordable Care Act answered
With the open enrollment period for health insurance having just opened, the New York Times has published easy-to-understand answers to some of the most common questions about the Affordable Care Act, aka Obamacare. You can read the entire November 11, 2014 article...
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