Investments – Andrew Marshall Financial, LLC

How to Handle a Brokerage Account with 100s of Stocks

Andrew Marshall — Tue, 29 Oct 2024 00:05:01 +0000

I wrote this blog post to help those of you who are reaching retirement age and own a lot of individual stocks in your brokerage account, and you are not sure what to do with them. Not knowing what to do, not having a strategy, can be paralyzing and you may be unable to sell anything or move your accounts. You are likely worried about the capital gains taxes you will trigger if you sell…

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Keep Asset Classes Separate When Investing in Retirement

Andrew Marshall — Mon, 29 Jul 2024 20:27:07 +0000

This is a written summary of a video I posted on YouTube. Recently, I worked with a client couple who were considering using Schwab Intelligent Portfolios, a Robo-advisor, for managing their retirement funds. This got me wondering whether using a Robo-advisor or all-in-one self-rebalancing fund is indeed the best strategy for retirees, or if a more traditional approach of managing…

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Intro to Bonds

Andrew Marshall — Mon, 22 Jul 2024 22:49:10 +0000

I have had a few new clients recently tell me they do not understand bonds and therefore have not invested in them. They are currently invested in money market funds or CDs, instead of bonds. This post should explain how bonds work and why investing in them is a good idea. Basically, a bond is an IOU. Government entities or companies issue bonds. The purchaser gives the government entity or…

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My Favorite Stock ETF is OMFL

Andrew Marshall — Wed, 22 Mar 2023 23:37:51 +0000

Currently, my favorite stock ETF is the Invesco Russell 1000® Dynamic Multi-Factor ETF. The ticker symbol is OMFL. Let’s go through the name of this ETF and see what each of the parts means. Invesco is a large investment company which manages this fund. They manage $1.4 trillion dollars in all their funds combined. Russell 1000 is a stock index. You’ve probably heard of the S&

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Diversify Your Investments For Future Performance

Andrew Marshall — Thu, 01 Dec 2022 23:04:50 +0000

It is important to understand that just because the stock market has done very well in recent memory (2022 excluded), does not mean that will always be the case. It can be easy to assume that stocks always go up faster than everything else. However, it is entirely possible that 2022 turns out to be similar to 2000 and the next 12 years parallel 2000 to 2012. The following graph shows the…

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Are We Near the Stock Market Bottom (2022)?

Andrew Marshall — Mon, 10 Oct 2022 18:46:42 +0000

As I am sure you know, the stock market in 2022 has had a terrible year. As of October 10th, it is down 24% for the year. Could the bottom be near, and the markets go higher from here? The Federal Reserve has been raising interest rates to fight inflation. Rising interest rates make business and personal loans more expensive which slows down the economy. With a slower economy…

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Implications of the Federal Reserve’s New 2% Inflation Target

Andrew Marshall — Thu, 17 Dec 2020 01:39:49 +0000

If you follow financial news, you will have seen reports about the Federal Reserve’s new inflation target. Rather than using their goal of a 2% cap on inflation, the Federal Reserve would like to see inflation average 2% over an extended period of time. This sounds like a subtle change, but it may have big repercussions. Why does the Fed want a higher rate of inflation?

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How to Replicate Vanguard Personal Advisor Services Investments and Save Money Every year

Andrew Marshall — Tue, 12 May 2020 18:57:17 +0000

I want to show you how to replicate the Vanguard Personal Advisor Services investments with another Vanguard offering, possibly saving you thousands of dollars per year. There is a certain allure to the Personal Advisor Services because Vanguard will invest your money in Vanguard funds and take care of the hassle of maintaining your portfolio at your recommended asset allocation.

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Low Volatility ETF Performance in 2020 (USMV, SPLV, VFMV)

Andrew Marshall — Fri, 10 Apr 2020 19:44:10 +0000

There is a class of stock funds marketed as being “less risky” than the general market. They are called low volatility or minimum vol. ETFs. USMV – iShares Edge MSCI Min Vol USA ETF SPLV – Invesco S&P 500® Low Volatility ETF VFMV – Vanguard U.S. Minimum Volatility ETF When I think of a fund that provides “potentially less risk” than the broad S&

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Are Schwab Intelligent Portfolios® the Best Robo Advisor for Retirees?

Andrew Marshall — Mon, 27 Jan 2020 18:35:51 +0000

In this post I will explain why I think the answer is yes. Charles Schwab Inc. is a huge investment company known for offering low cost investments. They are the original discount broker. Robo advisors are automated, computer-based, systematic traders. A robo advisor is an investing tool that automates the ongoing account management steps that must be completed annually and when money is…

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