The Commodity ETF Trap
In our previous life managing money for a large private bank, a prominent mutual fund manager was explaining to our group of professional...
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Nik Schuurmans, CFA
- Jan 4, 2017
- 2 min
Financial Planning Shadow Games
The investment management industry continues to evolve. Fee compression and regulatory changes around the upcoming Fiduciary Rule are...
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Nik Schuurmans, CFA
- Dec 28, 2016
- 2 min
Award for Biggest Bust of 2016 Goes To…
Ben Carlson provides us with his Financial Awards for 2016 which highlights the market’s top stories from the past year. We agree with...
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Nik Schuurmans, CFA
- Dec 21, 2016
- 1 min
Eggnog Holiday Reads
We are taking a mini-hiatus from our weekly blog to enjoy the Holidays with our families. We hope you are able to unplug and celebrate...
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Nik Schuurmans, CFA
- Dec 14, 2016
- 2 min
The Real Reasons Why U.S. Mutual Funds Don’t Beat Their Index
The promise of future outperformance is a staple of active management*. Year after year of underperformance, managers sell investors a...
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Nik Schuurmans, CFA
- Dec 8, 2016
- 2 min
Risk Tolerance Questionnaires
“The only way to get people to be longer term investors is to get them to react well in the short term.” – Aaron Klein, CEO of Riskalyze....
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Nik Schuurmans, CFA
- Nov 22, 2016
- 2 min
What’s Going On Mr. Bond Market?
Bond markets tend to behave much more rationally than the equity markets. Therefore, we place more weight in interest rate and bond...
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Nik Schuurmans, CFA
- Nov 16, 2016
- 2 min
Innovative ETFs Will Make Stale Mutual Funds Obsolete
Empirical evidence shows it’s really hard to beat an efficient market like the S&P 500. That’s why the majority of mutual fund managers...
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Nik Schuurmans, CFA
- Nov 9, 2016
- 2 min
Brokerage Industry Advertising Around Fiduciary Rule is Appalling
I was flipping through my weekly edition of Barron’s on Monday AM when I stumbled across an advertisement from a prominent Wall Street...
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Nik Schuurmans, CFA
- Nov 3, 2016
- 2 min
Pure Portfolios Featured in Financial Advisor Magazine
Pure Portfolios is gaining attention for its disruptive business model that ties fees to client outcomes. Financial Advisor Magazine ran...
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Nik Schuurmans, CFA
- Oct 25, 2016
- 2 min
The “Advisor” Bait & Switch
The title “Financial Advisor” is thrown around rather loosely these days. The use of the title is widely permitted and may be utilized...
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Nik Schuurmans, CFA
- Oct 19, 2016
- 2 min
Bob Farrell’s 10 Rules of Investing
I have never been a big fan of rules, but every now and again we revisit brilliance that transcends time. Bob Farrell is a Wall Street...
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Nik Schuurmans, CFA
- Oct 12, 2016
- 1 min
Capital Flows to Friendly Environments
The below chart is an interest rate ‘heat map’ for the Barclays Global Treasury Index. Amazingly, 70% of the $26 trillion in the global...
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Nik Schuurmans, CFA
- Oct 4, 2016
- 2 min
Mutual Funds: Large Capital Gains Expected in 2016
How would you like to be stuck with a large tax bill this year? What if the taxable distributions were coming from a mutual fund that had...
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Nik Schuurmans, CFA
- Sep 28, 2016
- 2 min
Future of Wealth Management
In the last 12 months, I have had many conversations about the future of wealth management. The values of Pure Portfolios express our...
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Nik Schuurmans, CFA
- Sep 21, 2016
- 2 min
Wells Fargo: The Tip of the Iceberg
Kudos to Matt Egan (@mattmegan5) for his piece on the systemic problem of aggressive sales tactics at large banks. I spent the tail-end...
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Nik Schuurmans, CFA
- Sep 12, 2016
- 1 min
The Audacity of Big Banks
I literally can’t make this stuff up. Wells Fargo gets a record fine from the Consumer Financial Protection Bureau for creating phony...
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Nik Schuurmans, CFA
- Sep 7, 2016
- 2 min
Mutual Funds are Toxic for Building Long Term Wealth
Mutual funds will cease to exist in their current form. Low rates and compressed returns will expose archaic investment vehicles that...
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Nik Schuurmans, CFA
- Sep 1, 2016
- 2 min
Why Your Financial Advisor Hates the Fiduciary Standard
I find it deplorable we need the Department of Labor (DOL) to tell insurance agents and financial advisors to do right by their clients. ...
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Nik Schuurmans, CFA
- Aug 26, 2016
- 1 min
Interest Rates: Experts Stick to the Broken Clock Approach
The rising interest rate prediction has been the most incorrect forecast I can remember. For the past three years, we have heard various...
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