“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
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
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
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
“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
“Every journey in life has a destination.” — Ken Poirot In today’s video, I share a conversation I had with a friend of mine, who is a surgeon. How does he handle things when the surgery outcome is unknown, and in the middle of the operation if things go awry? How do you stay calm? What he deals with on a daily basis is the same as investments and your financial plan. How do we keep our eyes on the big picture? What is normal, and how do we stay calm? One of the benefits I bring to my relationship ... Read More
“Life is Really Simple–but We Insist on Making it Complicated” – Confucius Over the next couple of weeks I’m going to talk about the reasons given for the market correction 1. Plunging Oil 2. China 3. Disappointing Profits 4. Trading Milestone (200 Day Moving Average) 5. Rate Jitters Today I focus on Oil, as it’s declined from approximately $60 in June to $40 today. What is that indicative of, and is that a long term benefit or detriment for the economy? I say it’s a long term benefit, and make such an argument in my video. Click below Hi there. ... Read More
“I never said it’d be easy-I only said it’d be worth it”–Mae West. That’s what I think about when I think about investments. Yes, the unmanaged stock market indexes are making the news, but the whole reason we have a plan, discuss the time horizon, and determine our conviction is because these events happen. Always have, and always will. History has shown us that those who ignore and then over-react are the ones most hurt. I don’t do that, and I wouldn’t want any of my readers to do that either. For my full thoughts, click below for the video. ... Read More
While there have been some exciting one day swings in the unmanaged stock market indexes so far this year, it’s actually been relatively calm, without big 5% and 10% weekly and monthly swings that we see periodically in the markets. As of the end of the 2nd quarter, most major unmanaged indexes were about break even. In my video, I talk about the impact Greece and China may have on the markets going forward, and how the potential interest rate hike in September may affect things. I’m not gloom and doom, so if you’re looking for that, than you better ... Read More
The first quarter was a great reaffirmation that diversification can be your friend. US Large company indexes lagged, but middle and small companies did better. US Bonds did well (in general), as did international stocks. While diversification does not guarantee a positive return in a generally declining market, my experience is that it does tend to “buffer” some of the returns so you can stay with the plan that works for you. In my video, I review the past quarter and continue my theme about what I’m watching to come to a “health” conclusion on the markets. Okay, I’m still ... Read More
I recently did this really awesome educational video for you on Bonds, but unfortunately I described the characteristics of bond mutual funds in layman terms without a bunch of disclosures, and approval from a higher up regulatory agency is required (come to find out). So that got me thinking about rules and regulations. Should we have more or less, are they a cure-all panacea, and most importantly, what are the unintended consequences? Click on the video below to hear my crazy thoughts on regulations. All right, they’re not really crazy, but I think the question of more or less is ... Read More
2014 is now over, and a new year is in front of us. In my video (click on the image below), I briefly do a recap on 2014, and then lay out my arguments for a long term approach, diversification, and reasons why I think being fully invested is wise, particularly as I continue to be optimistic for the foreseeable future. Click on the video below for 10 minutes of my thoughts. Hi there! Mike Brady with Generosity Wealth Management: a comprehensive, full-service, wealth management firm headquartered right here in Boulder, Colorado. Today want to talk about the 2014 ... Read More
I’m not going to lie to you–I’m a total sucker for a cute dog video on the internet. Yeah, yeah, I know, pretty sappy eh? Every time I watch this video it makes me smile. Wouldn’t it be nice to be so lucky to have an animal or person be excited to see us like this puppy is for its owner? Gosh darn it, I just watched it again and it made me smile. Read More
I’ve mentioned all year long that I’m bullish and optimistic for the foreseeable future, and until data tells me something else, that’s where I remain. However, what would change my opinion? What are the data that I look at, and how would they need to change in order for my opinion to change? Good question, and one I address in this issue’s video: Hi there, Mike Brady with Generosity Wealth Management, a comprehensive full-service wealth management firm headquartered right here in Boulder, Colorado. The main topic for today’s video is that I am optimistic. I am very bullish and have ... Read More
As volatility has increased in the past 3 weeks, I want to keep you well informed of my thoughts. Are the past weeks normal, have the fundamentals changed, or is this the canary in the coal mine we’ve been waiting for? These questions are answered in my video. Hi, Mike Brady here with Generosity Wealth Management, a comprehensive, full service wealth management firm, headquartered right here in Boulder, Colorado. I last spoke to you a couple of weeks ago and at that time, I talked about the third quarter. I said it’s been a tough quarter, very volatile and it ... Read More
The 3rd Quarter was schizophrenic, with most of the unmanaged US and international stock indexes negative, bonds (in general) slightly positive, and with tons of volatility across the board. Particularly in the past few weeks, every day there seems to be triple digit swings in the Dow, and lots of negative news (ISIS, Ebola, etc.). Now is the time when we have to remember the big picture and what we as investors are striving towards. It is the time when emotions can be high, but we need to keep a steady hand and focus. Now is when we reaffirm what ... Read More
The 2nd quarter is now behind us, and the momentum is with us! Will recent global political events derail the positive trend? Good question, and one I answer in the below video Transcript: Hi there, Mike Brady with Generosity Wealth Management, a comprehensive, full service, wealth management firm headquarters right here in Boulder, Colorado. Today, I want to talk about the second quarter review. Really kind of the first half of the year review and then a third quarter preview which really turns into the rest of the year preview as well. The first quarter of this year, we had ... Read More
In one of the weirder things I’ve ever seen in my entire life, here is an exercise video with a Poodle-Shaped Woman Leading an Exercise Class of Standard Poodles. You know I love Standard Poodles, but this is making them all look bad. Poodle Exercise with Humans Read More
Like investment theories, there are different philosophies on the best way to hold a hamburger for maximum efficiency. Hey, I’m an efficiency fanatic and need to know these things. So, researchers spent 4 months (experts in fluid mechanics, engineering, and dentistry) to figure out the best way eat a large hamburger. It included a 3D scan of the hamburger to study how the particles interacted together. Now that I’ve teased you, click on the link to watch the 1:26 video with the answer. Most Efficient Way to Hold a Hamburger 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.