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Financial Planning

Markets Only Look Forward

 April 17 2017     Matt Woebkenberg
The Wall Street Journal recently wrote an article about Flipkart receiving a $1.4 billion investment.  FlipKart is billed as the Amazon of India and is a private company with the goal of dominating the growing India e-commerce market.  With this recent investment, Flipkart was valued at almost $12 billion (down from previous $15 billion valuation).  Fascinatingly, Flipkart managed this $12-15 bill...

Friday Financial Terms - Stock Split

 April 14 2017     Matt Woebkenberg
Stock splits occur when a company increases its number of share outstanding using a stated ratio. For example, a company that announces a 2-for-1 stock split is in effect saying "for every 1 share of stock you own in your account, you will now own 2 shares after the split". The price of the stock adjusts to the split ratio as well. If the stock you owned traded at $50 before the split, it would tr...

Hair Products and Saving

 April 13 2017     Matt Woebkenberg
One of our wonderful readers jokingly replied to our request for topic ideas by saying that the blog should offer more advice on hair products.  Hair products are, according to the reader email, what the people need to know about.  So, as a blog for the community, we felt obligated to give the people what they want...kinda.Surely most of our readers have seen articles explaining how much you can s...

Robots Take on Investing

 April 12 2017     Matt Woebkenberg
After already picking on fast food workers, lawyers, and drivers in our robot posts, I should also mention that robots are coming after my job as well.  The big news recently was that BlackRock, the largest asset manager in the world, was cutting jobs among its human stock pickers in favor of "robots" (Fortune, WSJ $$$).  This is a growing trend around the investment industry from robo-advisors to...

Would you invest?

 April 11 2017     Matt Woebkenberg
Following is a hypothetical investment opportunity.  Hopefully it shows why it is important to look at the financials of a company that you invest in, and why it is so difficult to accurately pick individual stocks.Steve is selling 5% of all of his future net earnings (after paying his expenses).  For a price of just over $54,000 you can have exclusive rights to 5% of Steve's net earnings for the ...

Cincinnati Experiences Widespread Economic Strength

 April 10 2017     Matt Woebkenberg
Near the end of last month the Federal Reserve Bank of Cleveland reported the Cincinnati region is experiencing the strongest growth out of all the other regions in the state. A couple of highlights in the report note:The region’s unemployment rate remains well below its 2007 pre-recession readingsThe number of jobs has also recently surpassed its pre-recession high, as has the level of real per c...

HORAN Capital Advisors Q1 Investor Letter

 April 7 2017     Matt Woebkenberg
In lieu of the regular Friday Financial Terms post (which will be continued next week), I wanted to direct all readers to our newsletter for the first quarter of this year.  To summarize the letter, though markets may appear expensive by many traditional valuation metrics, this should not change investors' near term decisions.  Timing in and out of the market is very dangerous and often counterpro...

Estate Planning

 April 6 2017     Matt Woebkenberg
Lessons from Prince.  As you all know, Prince died last April of an overdose.  As with any sudden death, it was a tragic loss and mourned by many.  The difference in this case, however, was that Prince died with an estimated net worth of $300 Million and even more importantly, he did not have a will.  A recent article in the Wall Street Journal commented on how many of the details of Prince's esta...

Domestic Politics: Taxes

 April 5 2017     Matt Woebkenberg
After an unsuccessful bid to re-shape Health Care, the Republican led government appears to be turning its attention to the tax code.  The tax code is an enormously important factor for businesses and thus for the domestic economy as a whole.  There are wide-ranging issues to be addressed in any restructuring of the tax code, but one of the most important is the high rate of corporate taxation.As ...

Investor Returns vs. Fund Returns

 April 4 2017     Matt Woebkenberg
When investors are selecting a fund to invest in, they inevitably look at the performance history of the available funds.  Though it has been repeatedly proven that past performance is a terrible predictor of future performance, investors always look at performance.  An often overlooked piece of performance information however, is investor returns vs. fund returns.  Investor returns are what actua...
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