We have been waiting the major investment management companies to announce this for a few years now. The fees these companies charge investors to their manage mutual funds and exchange-traded funds have been declining for some time. Investment management companies like Vanguard, BlackRock, and Dimensional Fund Advisors have been able reduce their fees for several […]
“The market hates uncertainty” has been a common enough saying in recent years, but how logical is it? There are many different aspects to uncertainty, some that can be measured and some that cannot. Uncertainty is an unchangeable condition of existence. As individuals, we can feel more or less uncertain, but that is a distinctly […]
Every day we enjoy the benefits of an interconnected world. We might start our day with a cup of coffee that originated in South America, check our email on a smartphone designed in California and manufactured in Taiwan, then shower and change into clothes woven from Egyptian fabrics before driving a German-made car or riding […]
We’re pleased a present a look back at 2016 here, courtesy of the professionals at Dimensional Fund Advisors.
Most investors are aware that US stocks have out-performed many other asset classes over the past several years, with emerging markets and some developed markets generating particularly disappointing results. The main reasons for this disparity are relatively well-known – the US economy has performed relatively well, while emerging markets have been impacted by a collapse […]
This is Springwater’s Source, a topic or issue in personal finance and investing, shared visually. The Source will share one concept, once a month, in about a minute or less. Educated investors understand that there is a benefit to diversification. Setting aside grandma’s warning to not put “all your eggs in one basket”, there are […]
First of all, we do not sell annuities – or indeed any financial products. We are not insurance agents nor do we represent any insurers. We work for our clients – some of whom have purchased annuity contracts they later wish they hadn’t. Here is how we may be able to help you: The Tax […]
We’ve just added a number of new educational and informative videos to the Springwater library. You can view them on our website here.
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 an all-time high, we thought it would be prudent to review some comments […]
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 costs associated with the plan. Despite a federal requirement that plan […]