Capital Gains: The Holding Period Is Only Part of the Decision
David RileyWeigh a possible long-term tax saving against price risk, concentration and cash needs. Verify basis, tax lots and income interactions before a sale.
Risk Capacity Can Change Even if Your Personality Does Not
David RileyCompare the same portfolio loss before and after retirement. Connect risk capacity with withdrawals, earmarked cash and realistic spending adjustments.
Inflation Affects Households Differently
David RileySeparate higher prices from new spending choices. Compare consistent household costs and translate the difference into an actionable annual budget.
Interest Rate Changes Affect Savers and Borrowers Differently
David RileyCompare savings income, borrowing costs and bond prices under both rate directions. Review actual balances and contract terms before reacting to a headline.
Compare Investment Costs With the Services You Receive
David RileyTranslate advisory, fund and platform fees into dollars. Compare written service commitments, compensation and transition costs before choosing an arrangement.
When Emotions Start Making Your Investment Decisions
David RileyRecognize loss aversion and recent-performance bias. Use a balanced scenario to separate genuine spending needs from an impulse to change the entire portfolio.
Read an Economic Outlook Without Letting It Run Your Portfolio
David RileyUse economic forecasts to test your financial plan. Understand assumptions and uncertainty without relying on one predicted market outcome.
When Several Funds Own the Same Investments
David RileyLook through fund names to measure company and industry exposure. Use a worked example to review concentration, account roles and the cost of adjustments.
Portfolio Income and Total Return Tell Different Stories
David RileyCompare distributions with price changes and withdrawals. Examples show why a higher quoted yield does not establish a gain, safety or sustainable spending.
Asset Location: Which Account Holds Which Investment?
David RileyCompare where investments are held without changing the overall mix. Review current taxes, future withdrawals, liquidity and the cost of rearranging assets.
