The Endless Search For More Knowledge About Personal Finance, Wealth Management, & Investing.
Joshua Street

Monthly Market Comentary

Investing No Comment

Source: Morningstar Direct daily total return data for SPY, EFA, EEM, AGG, TIP, DBC, GLD, & ICF   Following a few years of tough performance for emerging market equities, investors have shifted their attention to emerging markets in 2017, driving up prices in EM close to 30% since the beginning of this year.  Generally speaking, […]

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Joshua Street

Navigating the Equifax Data Breach

Financial Planning No Comment

You have probably been hearing a lot about the recent data breach at Equifax. Here’s the key information that you need to know, as well as what you can do to significantly reduce your risk of identity theft or credit fraud. Ultimately, hackers stole a large amount of personal data from Equifax — including Social […]

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Joshua Street

A LOOK AT COUNTER-TREND: PART 2

Investing No Comment

Relationship to Managed Futures When considering alternative investments to diversify away from stock and bond risk within an investor’s portfolio, trend-following managed futures is often the first to be added to the portfolio.  This is likely due to trend-following managed futures’ intuitive design, lack of correlation to other asset classes over the long-run, and availability […]

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Joshua Street

A Look At Counter-Trend: Part 1

Investing No Comment

A counter-trend strategy is basically a contrarian trading strategy that aims to benefit from the tendency of investors to overreact to news in the short-term.  Although many investors find it pretty intuitive that trend-following capitalizes on the market’s tendency to continue rising (falling) over the course of the future months if it has been rising […]

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Joshua Street

Don’t Fight The Trend

Investing No Comment

Since lack of correlation to global markets is often the driving force when adding alternative investments to a portfolio, many investors start their search for alternative investments by screening for funds with low to negative correlations.  I listed off many of the possible alternatives strategies in my previous Student of Finance post, titled What Your […]

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Joshua Street

What Your Portfolio Needs: There’s Simply No Alternatives.

Investing No Comment

No one knows for certain what’s going to be the best investment allocation over the coming months, years, or decades; however, striving to build the most diversified portfolio possible is the best option for tilting the odds in your favor to maximize your risk-adjusted returns.  A simple 60/40 portfolio allocation (60% stocks & 40% bonds) […]

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Joshua Street

How the Economy Works

Investing No Comment

Ray Dalio, founder of the massive, well-known hedge fund Bridgewater Associates, put together this simple video on how the economy works.  Coming from such a successful investment manager, it obviously has implications on considering the economy with regard to investing, but it also has some implications that can be applied at a more micro level […]

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Joshua Street

Financial Analysis of Upgrading to the iPhone 7

Financial Planning No Comment

Long story short, I shattered the screen on my iPhone 6 recently after two years of owning it without any issues.  The phone has worked great for me and isn’t showing any signs of wear.  The battery still holds a charge just fine, it processes information as quickly as the day I first got it, I’ve got […]

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Joshua Street

Pay the Penalty!

Financial Planning, Investing No Comment

So everyone ‘knows’ that they should never withdraw from their retirement accounts until 59 1/2 years old, right?  Most people cite the 10% penalty that you’d have to pay to the IRS as the big prohibitive cost…but what if the math suggests otherwise?? I heard about the possibility that you may actually come out better […]

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Joshua Street

Financial Independence

Financial Planning, Self-Improvement No Comment
Financial Independence

I consider myself privileged to have learned the value of money very early in my life, even though I grew up in a normal home without any major wealth. Starting before I could even ride a bike, my grammy and I would make a habit of getting up early on Sunday mornings to visit the flea market, […]

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Student of Finance

The broader finance industry is constantly evolving and providing new challenges for practitioners and end users alike. Acknowledging this fact, the best way to effectively manage your own finances and the finances of others is to become a lifelong student of finance. Josh Street created the Student of Finance blog to share relevant and timely topics that are related to financial planning, investments, and managing wealth.

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Disclosures

The commentary on this website reflects the personal opinions, viewpoints and analyses of Joshua Street and should not be regarded as a description of services provided by his employer or its affiliates. The opinions expressed in this website are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide general education about the financial industry. The views reflected in the commentary are subject to change at any time without notice. Nothing on this website constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Any indices referenced for comparison are unmanaged and cannot be invested into directly. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.