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Everything is Correlated: Debunking the Sales Pitch of Private REITs, Syndicates, and Other High-Fee Real Estate Funds

January 5, 2022 By Jon Luskin 3 Comments

Twice now, clients have shown up for a portfolio review when holding Blackstone’s REIT fund. Depending on which version of this fund you have, you may pay between 1.25% and 1.50% in annual fees. That outrageous fee is in addition to a 12.5% performance fee for returns over five percent. Said simply: it’s expensive. Given […]

More Risk for Less Return: Why Paying Off Debt – If Investing in Bonds – Make Sense; or Mortgage Arbitrage with Low Interest Rates

October 2, 2021 By Jon Luskin 9 Comments

SUMMARY: Pay off debt if bonds make up any part of your investment portfolio. Even with a portfolio as aggressive as 90% stocks and just 10% bonds, anything with a non-zero interest rate should be paid off. This idea – to prepay debt if investing in bonds – comes as a surprise to those investors […]

Future Housing Returns are Stark

August 25, 2021 By Jon Luskin 11 Comments

In the June 2021 issue of the Financial Planning Association’s Journal of Financial Planning, I wrote a short piece on housing. In the article, I pointed to the rise in prices. I argued that while housing has done well over the last couple of decades, that trend may not continue. Given that uncertainty, funding retirement […]

How to Interpret Monte Carlo Outcomes

April 3, 2021 By Jon Luskin 2 Comments

Showcasing different "success rates" in financial planning software using Monte Carlo analysis.

How do I present probabilistic outcomes (i.e., Monte Carlo simulations) to financial planning clients? I was asked this question recently – while consulting with a company on developing their financial planning software. Fortunately, the answer is straightforward: frame Monte Carlo results not as the likelihood of financial plan failure, but as the “probability of adjustment.” […]

Just Buy Value

February 22, 2021 By Jon Luskin Leave a Comment

I’ve had a couple of conversations with some lay investors of late. Both times, friends approached me with questions about investing. They were looking to profit off the pandemic, intrigued by the opportunity to buy certain stocks on the cheap. Travel and tourism stocks – they reasoned – were ripe for recovery (once the impacts […]

Intangible Beanie Babies

February 20, 2021 By Jon Luskin Leave a Comment

I wrote a piece about Bitcoin a few years back. Since then, Bitcoin mania has waxed, waned, and waxed again. Given its new record high and accompanying successive round of mania, it’s time to return to the subject of Bitcoin. Why Bitcoin Fails Firstly, Bitcoin a terrible store of value. Compare Bitcoin to cash, specifically […]

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Recent Posts

  • How to Use Insurance
  • Bogleheads® Live ep. 7: Eric Balchunas on “The Bogle Effect”
  • Bogleheads® Live ep. 6: Dr. Sunil Wahal on hidden mutual fund costs
  • Bogleheads® Live Ep 5: Christine Benz on correlations & sustainable distributions
  • Bogleheads® Live Ep 4: Larry Swedroe on sustainable investing

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Jon Luskin, CFP® Follow

Hourly Advice for Do-It-Yourself Investors. "@Bogleheads® Live" host. Advice-Only #CFP®. #fiduciary. @SDFLC volunteer. Tweets ≠ Advice. https://t.co/GJqMxe3Uoj

JonLuskin
jonluskin Jon Luskin, CFP® @jonluskin ·
17h

Gentleman, lower your fees.

~Jack Bogle

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jonluskin Jon Luskin, CFP® @jonluskin ·
21h

Investors fleeing mutual funds create unseen costs.

By some estimates, those costs can add up to 1% a year!

Dr. Sunil Wahal spoke about the unseen costs of folks fleeing actively-managed funds on this episode of "Bogleheads® Live."

https://buff.ly/39vUHGk

#investing

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jonluskin Jon Luskin, CFP® @jonluskin ·
24 Jun

Costs - more so than strategy or skill - determine investment returns.

Smart investors keep their costs low.

🤓

https://buff.ly/2R0hsGi

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Jon Luskin is a registered investment adviser in the states of Arizona, California, Florida, Louisiana, Massachusetts, New York, North Carolina, Texas, Virginia and Washington. The Adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.

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