by Springwater Wealth | Jan 16, 2018 | Newsletter
One of our clients recently asked us if he was invested in the best exchange-traded funds. He readily accepts our investment management philosophy. He understands the importance of asset allocation, diversification, asset location (for tax efficiency), cost...
by Springwater Wealth | Dec 6, 2017 | Newsletter
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...
by Springwater Wealth | Oct 3, 2016 | Investment Management, Newsletter, Retirement Plans, Services
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...
by Springwater Wealth | Nov 3, 2015 | Financial Planning, Retirement Plans
Nobel laureate and M.I.T. professor of economics Robert Merton doesn’t think much of target-date funds. Excerpts from the November 2, 2015 online edition of Advisor Perspectives: Target-date funds are an exceptionally bad way to save for retirement, according to...
by Springwater Wealth | Mar 16, 2015 | Investment Management, Wealth Management
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...