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The Untold Story: Separating You from Your Money


I don't mean to pick on the financial media. They are part of a much bigger problem.

The securities industry is premised on the flawed assumption that they can add value. In reality, as many investors now understand, the value they add is to their own bottom line at the expense of the investors they profess to serve.

The financial media plays an important role in perpetuating this myth. I am not just referring to Jim Cramer and Fast Money. These shows do incalculable damage to those investors who still believe the insights and predictions of these pundits are anything more than musings of narcissistic personalities.

The more traditional media is not much better. Their daily grist consists of "analysis" geared to justify their selection du jour of stocks to buy or mutual funds that are likely to outperform. Investors who rely on these predictions suffer the consequences.

If the financial media couldn't predict the worst recession in a generation, why would you rely on them for advice about what the future holds?

In this week's video, I discuss how reliance on the financial media is bad for your financial health. It is the untold story of how the media and securities industry work together to separate you from your money.



The views set forth in this blog are the opinions of the author alone and may not represent the views of any firm or entity with whom he is affiliated. The data, information, and content on this blog are for information, education, and non-commercial purposes only. Returns from index funds do not represent the performance of any investment advisory firm. The information on this blog does not involve the rendering of personalized investment advice and is limited to the dissemination of opinions on investing. No reader should construe these opinions as an offer of advisory services. Readers who require investment advice should retain the services of a competent investment professional. The information on this blog is not an offer to buy or sell, or a solicitation of any offer to buy or sell any securities or class of securities mentioned herein.

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04:04 PM on 07/23/2009
Wall St. and the Health Care Insurance companies are the same. They basically do very little and expect a premium. They add minimal value, and should get paid what they're worth which is less than innovators, and more than commodities. The profits they make now are completely out of balance with the value they add.
02:07 PM on 07/22/2009
When are people going to wake up?

Do NOt Believe anything you see in the news

If a product is advertised, that means there is a different brand not advertising with a better product

It's gotten to the point that anything you see on tv is a deception or an out and out lie
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BannedNBoston
Is hemp legal yet?
01:56 PM on 07/22/2009
Jsarets your CD's will be junk bonds in 4 months.
gold is the place to be when drops 40% in value in 3 months.
01:08 PM on 07/22/2009
I'm perfectly satisfied with my CDs. I get my fair share of inflation, I don't have to worry about anything, and I know that my credit union invests in small businesses and homeowners in my community.
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Dan Solin
My Smartest Portfolio book is a game changer.
01:43 PM on 07/22/2009
There are many benefits of FDIC insured CDs, but keeping up with inflation is not one of them. After taxes, and given current low interest rates, you are not coming close to keeping up with inflation.
01:58 PM on 07/22/2009
I like my CDs too. I got some Tull and Led Zepp and AC/DC. But dude with the whole iTunes thing I think they lost some value.
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12:16 PM on 07/22/2009
I read further down the comments and found this gem.

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A globally diversified portfolio like the one I illustrated in my comment would own stock in almost 17,000 companies, with a combined market value of over $20 trillion, sales of over $25 trillion, net profits of $240 billion, engaged in over 440 industries and doing business in 192 countries. That is pretty diversified!
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12:44 PM on 07/22/2009
How dishonest !
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12:14 PM on 07/22/2009
Then why is everyone losing the value in their retirement funds ???

Oh, just leave it in the stock market another 90 years and it will spring up in value.
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dadw5boys
Disabled Vietnam Vet
12:05 PM on 07/22/2009
Financial Media is used to run the worlds largest PUMP AND DUMP SCHEME.

I stopped listening to the media years ago and just do some leg work.
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FoonTheElder
Always choosing between the lesser of two evils
11:47 AM on 07/22/2009
The financial media are nothing more than bought and paid for puppets of Wall Street.

It's no different than the other corporate medias which won't bite the corporate hands that feed them millions of advertising dollars. After all, media doesn't exist to inform or entertain, they don't make any money off of that. They exist to sell advertising.
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KennyFox
11:43 AM on 07/22/2009
The only way to make money in stocks is in short term trades. Most of the world's smart money is in gov bonds. William 1950 is right: the road to (financial) security is spend less than what you make. Anyone who shows you that the XMM Growth Fund is up 75% since 1974, ask them, when did they buy in 1974, because entry points count. And when did they sell? Because youre only getting your 75% gain if you sell. Because next year, in 2010, you could see commercial real estate go to shtt and watch the S&P500 go back to 700, then XYZ and XMM just trimmed a lot of that 75% gain, probably by half. Keep your IRA and 401k money in at least 75% bonds depending on age and, if youre really lucky, buy a second house and rent it out. Brazil bonds pay around 9% a year. And the country is investment grade. You can by an 8y UK bond for 8.75%. I doubt the Uk will default. You might make 15% or more in equities over 8 years during the ups and downs, but you might also lose 15%. Is it worth the headache? Stocks are for gamblers. You have to baby sit equities or you can lose your shirt. If you bought MSFT a yaer ago, on July 21, you paid around $25.60 per share. On Wed July 22, MSFT was $24.70. Your investment is still not a money maker.
12:00 PM on 07/22/2009
Entry points are everything. I saw so many customers who put their full nest egg of 100-500K in growth funds in 2000. They lost 40% for the year, and than were hit with a huge capital gains tax ($10,000 for every 100K). How a capital gains tax on a huge loss? Because these funds were selling old positions FIFO, such as there CSCO they bought in 1990. The investor is taxed on the funds tax gains/loss, even though the fund had tanked and they were in for the year 2000 only.
03:58 PM on 07/22/2009
So, how will I know a great entry point when it exists? Where do I keep my waiting funds until then? How do you know all this?
11:10 AM on 07/22/2009
15%? He picks the low of the market in 1974, which happens to be when Warren Buffet got in, and left out the last 2 years.

If you torture the numbers long enough, they always confess!
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Dan Solin
My Smartest Portfolio book is a game changer.
02:42 PM on 07/22/2009
I was using those dates because they corresponded with the inaccurate information referenced in the video. However, more to your point, from January 1, 1974 to June 30, 2009, the annualized return of the same indexed portfolio was 13.49%. No torture was required!
07:37 PM on 07/22/2009
Why not January 2000 to present.
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jeffp26
10:09 AM on 07/22/2009
What I always tell people to think about is that the stock market is a zero sum game.

The money going into the market has to equal the money coming out (with the exception of dividends paid by corporations to owners).

So if you see someone who makes lots of money in the market, that is actually someone else's money.
11:05 AM on 07/22/2009
By definition it is not a zero sum game. There tends to be more money in the "pot" than was put in, and on average that amount is about 7-8% more per year.
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notAMoron
The recovery begins 1.20.2013
11:16 AM on 07/22/2009
Not necessarily, money supply is always expanding (inflation) and the stock market (just like the bond market, the CD market, and the money market) is one way to catch a piece of that new money by purchasing an ownership interest in a company that is engaging in productive for profit economic activity.
11:29 AM on 07/22/2009
So your saying inflation, accounts for all the growth and it is a zero sum game?
09:49 AM on 07/22/2009
Always sound advise.
09:47 AM on 07/22/2009
*correcting typo "I do however agree that we should NOT listen to financial medias doom and gloom."
09:46 AM on 07/22/2009
I'm just wondering how you are considered diversified if you're just in different areas of the same asset class, paper assets. Wouldn't it be true diversification if you were utilizing benefits in each of the four asset classes; business, real estate, paper assets, and commodities? Especially since out of all the asset classes you have the least amount of control over paper assets. I do however agree we should listen to financial media's doom and gloom.
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Dan Solin
My Smartest Portfolio book is a game changer.
10:43 AM on 07/22/2009
A globally diversified portfolio like the one I illustrated in my comment would own stock in almost 17,000 companies, with a combined market value of over $20 trillion, sales of over $25 trillion, net profits of $240 billion, engaged in over 440 industries and doing business in 192 countries. That is pretty diversified!
11:21 AM on 07/22/2009
Great point! Many portfolio managers finally are understand that it is all one big trade. So they are really betting some money with and against this "big trade" and the difference is really the amount of market exposure.

But the good news for them is, the whole gets charged fees each year!
09:39 AM on 07/22/2009
I think Mr. Solin is mistaken. When it comes to the financial news networks, bad news doesn't sell nearly as well as good news. There were plenty of opportunities for the networks to publicize the MBS and CDS timebombs long before they exploded. Instead they cheer-led the masses to continue to invest onward and upward until the economy fell off a cliff. If bad news sold, Roubini would have been the star of Mad Money instead of the loud mouth "trust me" stock touter Cramer. As far as his selective dates (1974 - 2007) (... what happened to 2008?) and selective diversified investments to achieve his 15% -- even it it were true -- past performance is no guarantee of future results.
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Dan Solin
My Smartest Portfolio book is a game changer.
10:21 AM on 07/22/2009
The point I was trying to make is that the financial media should not be relied upon by investors, whether they are dispensing good or bad news.

I am certainly not suggesting that investors have an all stock portfolio or that past returns are predictive of future returns. The point of my illustration was simply to demonstrate that, during this period, the financial media was predicting economic disaster while the reality turned out to be quite different.
01:31 PM on 07/22/2009
OK ... a great point! But not to rely on financial media maybe the only worthwhile point of your post.

As with your "selective" dates and "selective" portfolio" ... for every "selective" instance you cite of the financial media predicting doom, I'll bet I can find 100 at the same time where they predicted either continued prosperity or that it was just around the corner. Even today I think the good news, continually imbued with the "buy and hold forever" mantra, far outweighs the bad. Since its inception, CNBC's occasional "fair and balanced" Bull vs. Bear debates were sorry jokes ... with the talking head making the bear case usually identified as a "perma-bear" with snickering implications that they were nut cases who were missing out on all the money-making fun.