Special Bulletins

Recent headlines have investors concerned about what may happen to their portfolios if the U.S. government cannot reach an agreement to increase the debt ceiling/limit, thereby risking default: The reality is that headlines like these are nothing new. In the historic global market growth of wealth graphic below, we highlighted every major “impending disaster” as

As a rule, we want those involved in the investment process with us to be focused exclusively on maximizing the possibility of a successful investment experience. The potential merits of ESG investing could be debated ad nauseam. From an apolitical perspective, at Efficient, we have a practical preference to follow the long-standing evidence academia has

Yes, you read that correctly – annualized returns are POSITIVE, even after entering a recession. Just check out the graphic and info below from Dimensional if it seems unbelievable! From economists to rideshare drivers, it seems that many are fretting over the looming possibility of a recession. Markets may be in agreement, as we have

Your portfolio was built with the knowledge of how banking crises historically affect markets. When the news of the SVB (Silicon Valley Bank) collapse hit a week or so ago, it seemed unprecedented. The shockwave that went through the banking system left many wondering what fallout may arise. Subsequently, consolidation is occurring in the banking

To suggest that the so-called “experts” out there don’t have a clue what is going to happen in the future would be a gross understatement. As we close out 2022, there may be temptation to guess what happens next and make changes to your portfolio as a result. Resist the urge. Stick to your plan.

Facebook (META), a “darling” investment just a year ago, has been pretty much plummeting ever since (losing about $800 billion in market cap since Sept. 2021 – which is about a -70% loss). In fact, the stock is now underperforming the S&P 500 since it went public in 2012 – check out this staggering chart:

Hurricanes are no joke. They are volatile and leave a path of destruction and devastation in their wake. So when it comes to advice about how to survive given two choices (riding the storm out or evacuating), evacuating to safety and then returning when it is all clear is the correct course. When it comes

Recently, Weston Wellington from Dimensional Fund Advisors shared a presentation expressing the importance of sticking with your plan during turbulent times titled “Stay In Your Seat”. The presentation was a brilliant juxtaposition between financial market turbulence and turbulence you may experience on a cross-country flight, emphasizing the value of staying in your seat in each