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Most students of modern finance are familiar with the efficient frontier chart, which shows the range of expected returns and risks for optimized portfolios. Because these calculations are performed when the portfolios are constructed, before they are invested, the values on the chart are estimates, almost sure to differ from the observed risks and returns.   An Important Diff ...

In 2022, numerous unprecedented events led to a decline in asset prices across all markets, resulting in an historic decline in global investment wealth. This scenario is unlikely to reoccur for four primary reasons, which we discuss below. Key Takeaways: 2022 was an historically bad year: the worst in centuries for bonds, and the first time in history when both stocks and ...

Retirement is fraught with uncertainty. Individuals approaching retirement face a variety of questions regarding their families, their health, and long-term market uncertainty. Financial planners must answer questions from clients seeking guidance and hoping to establish a secure financial cushion for their later years. One common question is, "how much do I need saved at retir ...

Key Takeaways  Beyond a historic decline in global investment wealth, what’s unusual for 2022 is that for the first time in history, both US large-cap stocks and long-term bonds had significant losses of more than 15% in the same calendar year.  Despite a challenging year, all New Frontier ETF portfolios delivered positive returns in Q4, outperforming the broad global equit ...