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Blog

What is a Mutual Fund Anyway?

Submitted by Moneywatch Advisors on August 3rd, 2021

You’ve undoubtedly heard the term, mutual fund, but is it one of those terms you’ve heard so much that you’re afraid to ask what it actually is? Almost all investments within retirement accounts – 401(k)s, 403(b)s, etc. – are mutual funds so you own one or more of them already.

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Plan and Invest Using the Same Advice You Give Your Kids

Submitted by Moneywatch Advisors on June 21st, 2021

The other week I wrote about inflation and the uncertainty of predicting whether it is either temporary or here to stay. Fact: No one really knows for sure. So, how does one plan for a potentially disruptive force? Answer: By creating a margin of safety in our financial plans and our investments. Here are some ideas how to do that.

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Inflation Will Kill the Economy. Or it Won't.

Submitted by Moneywatch Advisors on June 7th, 2021

The list of things I don’t know would stretch from here to, well, I don’t know where. I’m perfectly comfortable admitting when I don’t know something so it amuses me when “experts” claim they know exactly what’s going to happen in the future.

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5 Steps for Successful Long-Term Investing

Submitted by Moneywatch Advisors on May 25th, 2021

Assuming imitation is indeed the sincerest form of flattery, consider this blog post a bit of puffery for J.P. Morgan’s recent thoughts on this subject that borrows heavily from the data in their 2020 Retirement Confidence Survey.

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What We Can Learn About Estate Planning From Prince

Submitted by Moneywatch Advisors on May 4th, 2021

Recently, the mother of a dear friend passed away without a will and it reminded me of this blog post I wrote a couple years ago.

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Is Our Success Due to Skill or Luck?

Submitted by Moneywatch Advisors on April 19th, 2021

Kentucky’s own Henry Clay reportedly coined the phrase, “self-made man” when describing Benjamin Franklin during a speech in the U.S. Senate in 1842.

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Target Date Funds Are Evil

Submitted by Moneywatch Advisors on April 5th, 2021

Okay, not evil, I was embellishing to get your attention. They are, however, misleading, offer a false sense of security and, not unlike fire extinguishers and bow ties, are to be used only in a dire emergency.

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What Does Wealth Mean to You?

Submitted by Moneywatch Advisors on March 29th, 2021

Two hosts of a podcast I’m listening to recently described their relationships with money after both growing up poor. Their thoughts started me thinking, again, about people’s views toward money and what affect it has on us psychologically.

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All Fun and GameStop

Submitted by Moneywatch Advisors on February 8th, 2021

If you’ve read any commentary over the last couple of weeks about the company GameStop, and how could you miss it, then you’ve probably seen this portrayed as the classic David vs. Goliath story. These tiny investors trading from their phones got the better of the huge, bad hedge funds and this new technology allowed the common man to stick it to the suits! But, does one win just by making someone else lose?

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How to Pick a Winner

Submitted by Moneywatch Advisors on January 25th, 2021

In 2015 the University of Kentucky men’s basketball team entered the NCAA tournament with a record of 34-0 and was deemed the “biggest favorite in modern NCAA tournament history”, according to USA Today. The oddsmakers installed UK as even favorites to win the championship.

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STEVE BYARS, VP MONEYWATCH ADVISORS


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ABOUT THIS BLOG

In 1996 Thomas J. Stanley, Ph.D. and William D. Danko, Ph.D. wrote a seminal book entitled, The Millionaire Next Door. These two researchers went in search of the rich in the country: Who are they? What do they do? What do they drive? How do they invest? They discovered, much to their surprise, that many of the wealthy in this country don’t live in the most expensive neighborhood or drive the fanciest cars but are ordinary people living right among us regular people. Because, remember, wealth is not the same as income. If one earns a high income and spends it all each year, one isn’t getting wealthier, just living high. Wealth is what you accumulate, not what you spend.

This blog is about and for those who live beneath their means, save their money, invest and, yes, get wealthy the old-fashioned way: steadily, over many years.

And I’ll occasionally share interesting stories that are completely unrelated to the main topic of financial planning.

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