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2016 Year End Recap

“Happy Families are all alike; every unhappy family is unhappy in its own way” – Leo Tolstoy in Anna Karenina I’ve been meeting with clients for over 25 years, and every year is there seems to be some major event that causes concern for everyone. This year, it was the presidential election. One thing about the election that everyone seems to agree on is that we’re glad it’s over, even if we disagree whether the outcome was good or bad. At the bottom is my end of the year video, where I outline my thoughts on 2016, and also what ... Read More

Don’t Get Trumped in 2017

In my video this quarter (you have watched it, right?), I mention the long term nature of investing in stocks and bonds, with the presidency a relatively short term event. Don’t fall into the trap of thinking all positives or all negatives because your party (or the other party) is in power. We give too much blame and credit to the President, and when prudent investors have a long time horizon, it is better to stick to the strategy appropriate for you and your risk level, and don’t get emotional. HERE’S A GOOD BLOG TALKING ABOUT THIS IN MORE DETAIL Read More

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Investors Often Mistake Emotion for Gut Instinct

In May I was in New York City, and the highlight by far was the interview I did with Financial Advisor IQ (division of Financial Times) on biases. It was really fun, and focused on the types of emotions and biases that investors have to be aware of and overcome. The producer liked the interview so much that he decided to make it a 3 part series, so the link below is only for the 1st of 3. The rest came out in July and August, so I’ll link to that in a subsequent newsletter. Anyway, pretty good interview, so ... Read More

On a personal note….

I think most of you know that I am a voracious reader, and have been my whole life. So, now it’s time for my annual book review. 67 Books read (35 fiction, 32 general non-fiction and personal development) Most Useful= Get Your Inbox Down to Zero: How to be a Productivity Ninja Best Personal Development= Grit: Passion, Perseverance, and the Science of Success Funniest= Redshirts Most Moving= On Fire: The 7 Choices to Ignite a Radically Inspired Life Best Biography = Born with Teeth by Kate Mulgrew Totally Interesting Book = Marching Powder: A True Story of Friendship, Cocaine, and ... Read More

Year to Date Update

We’re halfway through the year, and it’s been a volatile one. Brexit was just 1.5 weeks ago, and don’t forget that horrible January. And, this is an election year. What are my thoughts about this year, the big picture, and the election year in particular?  Click on the video (6 minutes) for my thoughts. Transcript: Hi there.  Mike Brady with Generosity Wealth Management, a comprehensive, full-service financial firm here in Boulder, Colorado.  Although I have to admit it’s July 4th weekend I’m recording this on Sunday the 3rd and I’m at my Wyoming cabin.  You know with today’s technology, internet, ... Read More

My Brexit Thoughts

Last week I did a full newsletter on Brexit, with video, explaining my thoughts. The market over-reacted (in my opinion) and then came back to almost where it was before the whole event. Good newsletter if I do say so myself, and recommend you check it out if you haven’t already. 2016 06 29 – Brexit Thoughts Read More

Investors Often Mistake Emotion for Gut Instinct

In May I was in New York City, and the highlight by far was the interview I did with Financial Advisor IQ (division of Financial Times) on biases. It was really fun, and focused on the types of emotions and biases that investors have to be aware of and overcome. The producer liked the interview so much that he decided to make it a 3 part series, so the link below is only for the 1st of 3. The rest will come out sometime in July and August. Anyway, pretty good interview, so I hope you watch it. Investors Often ... Read More

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Three Types of Financial Forecasters

Every investor is a forecaster to some degree, even if you don’t admit it. But what kind are you? 1.  The Foolish Forecaster 2.  The Oblivious Forecaster 3.  The Probabilistic Forecaster I know which kind I am (hint:  it’s not 1 or 2). Click for the full article describing each type Three Types of Financial Forecasters Read More

Dubois, Wyoming Cabin

In today’s technological world, as long as I have internet and a phone, I’m able to run my business from anywhere. This summer I’m fortunate to spend much more time in our Wyoming cabin now that it’s fully outfitted as another office, just like my Boulder one. In addition to all my business travel this summer, I’ll be traveling back and forth between Wyoming and Boulder, working strategy in the cabin and having in-person meetings in Boulder. Life is good. Read More

Investor Behavior in Up, Down, and Sideways Markets

The 1st Quarter 2016 is behind us, and boy was it a volatile one! My video today is addressing the very common human behavior when things don’t seem to be moving in the direction we want. When we look at the past 2 years or so, we’ve been in much of a “sideways” market, seemingly without a lot to show for it. The tendency for many investors is to “do something”, but I highlight in the video that proactively doing nothing is an active choice! Don’t be lulled into a false sense of achievement and unnecessarily move things around just ... Read More

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How to Avoid the Problem of Short-Termism

As a follow up to my video above, I like the article below because it talks about the tendency to judge financial markets in periods that are so short that it results in higher fees, higher taxes, and lower average performance. With the 24 hour news cycle, news alerts, etc., we are constantly bombarded with information, and the true professional learns what to listen to and not. Click here for the full article Read More

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Negative Interest Rates

One of the interesting things in the past year is the very clear awareness that low oil prices are not all good, and that there is a negative aspect as well. Same deal with interest rates. While it’s nice to have low cost of borrowing, a negative interest rate could be deadly to many industries of our vibrant economy, and big parts of the stock market indexes. Full Article — Economists at Global Bank Body Warn of Risks from Negative Interest Rates Read More

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U.S. Stocks were positive 73% of the time

With an unmanaged stock market index going back to 1926, 73% of the time U.S. Stocks were positive. When you add in the “slightly negative” column of declines from 0 to 10%, that adds up to about 87% positive or slightly negative. The future could absolutely be different, and you have to ensure it fits with your individual goals. Read More

Muay Thai and Krav Maga

2015 was the year I lost over 40 lbs and started on a serious martial arts journey. I couldn’t be happier. I’m totally fanatical about it now, and I owe a lot to the great gym I found at Tran’s Martial Arts in Boulder. The main instructor, Master Tran, is incredible in his knowledge, and supportive in his approach. With very hard work I’m hoping to earn my black belt in Muay Thai Kickboxing within the next 2 to 3 years, and be proficient in Krav Maga (an Israeli self-defense form). If you’re looking for something inspiring in your life, ... Read More

Do You Have an Investor or Trader Mindset

The last month has been interesting to say the least.  This is a wonderful time to ask yourself Are you an Investor or a Trader? The mindsets are completely different, leading to different behaviors, and different outcomes. I ask this question in my video this month, talk about the differences, and let you decide by the end which of the two you are. So, what do you think?  Are you an Investor or a Trader? Click on the video Transcript: Hi there.  Mike Brady with Generosity Wealth Management, a comprehensive, full service financial firm here in Boulder, Colorado. Today I’m ... Read More

Why the Stock Market is Obsessed with Oil

The S&P 500 is now almost perfectly correlated to the price of oil, which is interesting because over the past decade they’ve had virtually no correlation. Energy only makes up 3% of the economy. So why the focus? Falling prices often signal softness in demand, which precedes an economic slowdown.  But, most believe this is a supply glut, not weakened demand Cheap oil is causing US Oil production to cool off, hurting energy companies and states heavily dependent on oil The threat of Oil Loans imploding (raises the risk in the banking sector Russia, Venezuela, Brazil, and others that rely ... Read More

Social Security Isn’t a Nest Egg

I was recently interviewed for a magazine with the question “what are the biggest misconceptions about Social Security”. My conclusion, and the headline used, is that Social Security isn’t a nest egg. Many people think it will pay out more to them than it actually will Many believe you have an individualized account, sort of a government-held savings account. A third misconception is that Social Security will be broke sometime in the future.  Different yes, but gone no My advice is to take control of your own retirement and not abdicate it to someone else, and most definitely not those ... Read More

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U.S. Stocks Were Positive 73% of the Time

With an unmanaged stock market index going back to 1926, 73% of the time U.S. Stocks were positive. When you add in the “slightly negative” column of declines from 0 to 10%, that adds up to about 87% positive or slightly negative. The future could absolutely be different, and you have to ensure it fits with your individual goals. Read More

Happy Birthday to Me – 47

I may be another year older this coming weekend, but due to my healthy diet and serious martial arts since this time last year, I look and feel about 10 years younger. I plan on being around for decades, and am continually awestruck by how fortunate I am in my life. All my love to my family, clients, and friends. Read More

5 Questions at the end of 2015

“I want you to be everything that’s you, deep at the center of your being” — Confucius This is my year end video, and it is one of the most important I’ve done in some time.  It is a reminder of some of the basics and foundations of investing! I answer 5 questions that investors are probably asking themselves right about now What happened in 2015? Is this normal? Do I have the right investments? Will next year (2016) be different? What should I do? Especially if you’re my client, you need to watch the video to get my answers. ... Read More

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The Dow Jones Industrial Average is an unmanaged, price-weighted index of 30 large capitalization stocks with dividends reinvested.

The Standard & Poor’s 500 Index (“S&P 500”) is an unmanaged, market capitalization weighted index of 500 widely held stocks, with dividends reinvested, and is often used as a proxy for the stock market.

The Nasdaq Composite is an unmanaged, market capitalization weighted index of stocks listed on the Nasdaq Stock Exchange, and are reported as price return without reinvestment of dividends.

Indexes are often used as a proxy for the stock market and cannot be invested in directly.