How To Make Money Investing Like Harvard And Yale’s Endowments

How To Make Money Investing Like Harvard And Yale's Endowments

Episode #14 How To Make Money Investing Like Harvard And Yale’s Endowments

How To Make Money InvestingMost parents are terrified of the costs of college tuition and room and board fees that they will have to help pay for their children’s education. Every year for decades, the cost of college tuition and fees has increased faster than the rate of inflation in America.

To make matters worse, colleges have enjoyed endowments that have posted gains in their investments that have outpaced the stock market indexes. For a 10 year span from 1998-2008, Yale saw its endowment earn over a 17% annual rate of return on its investments. Harvard’s endowment earned over 15%, and the S&P 500 only returned a little over 7% during the same time span. So, the question becomes…can average investors earn a return like these college endowments? What does it take? Can it be done? Can the average investor learn how to make money investing and earn a return like these college endowments?

How To Make Money Investing Like College Endowments

In this episode of the Money Q&A podcast, “Your Money: Your Choices“, I interview Matthew Tuttle who is a certified financial planner and a partner in the Private Client Group, LLC, a wealth management firm. He is also the author of the book, “How Harvard and Yale Beat the Market: What Individual Investors Can Learn from University Endowments to Help Them Prosper in an Uncertain Market”. It is a great conversation for parents with college bound children and investors looking to get the highest rates of return for their investments like colleges have enjoyed for several decades with their endowments and investments.

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Infographic: Bear vs. Bull Infographic. What’s Next For Gold?

What’s next for gold prices? Are you a bull or a bear about gold’s future? There are a lot of reasons to be positive or negative about the future of the price of gold. And don’t forget about inflation. Inflation plays a big role in the price of gold for investors. Gold prices gained about 9% in 2013 and inflation was next to nothing. If you were a bull on gold at the start of last year, that big move higher must have been great news. Add that momentum into this year’s forwards looking forecasts and many analysts believe we could see gold prices skyrocket. They’re forecasting gains as high as 40% next year! Now, if next year turns out … Read more

Need vs Want – How to Shop Sensibly and Stop Impulse Spending

Need vs Want - How to Shop Sensibly

Need vs Want - How to Shop SensiblyAre you an impulse shopper?Is it a need vs want? If you buy things you didn’t set out to buy, and do so on a fairly regular basis, it’s likely that you are.

Everyone has the odd impulse purchase every now and again, but if you’re doing it all the time and using your credit cards to make purchases, then you could have a bit of a problem. It’s time to cut down, and the way to do this is to distinguish between needing something and simply wanting it.

There’s no getting away from the fact that we live in a consumer culture. People like to buy things, and shopping can give many of us a bit of a high, which is why shopping is often called ‘retail therapy’.

However, most things that we buy aren’t things that we actually need, in the true sense of really needing something, because the things we crucially need to survive are things like food, medicine, a roof over our heads etc.

To cut down your spending, you don’t need to do away with everything but the basic things you need to survive. You just need to know the difference between purchases that are useful (i.e. a warm coat in winter if you don’t have one) and purchases that are simply frivolous (i.e. a new purse when you already have a closet full of perfectly serviceable purses).

Need vs Want – How to Shop Sensibly

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How Investing Newsletters Can Make You A Better Investor

How Investing Newsletters Can Make You A Better Investor

The stock market itself is hot right now, and I think that it is definitely going to be a continuing trend higher this year. With all of the investment options to consider, wouldn’t it be nice to have some very helpful information to base your decisions upon? That’s why I’ve turned to investing newsletters to help me pick stocks.  Online Investing Newsletters Are A Great Resource Sure you can go find information about which stocks to buy and sell by yourself, and you will still need to do a little bit of your own research. You don’t want to just take anyone’s word for it. But, investment newsletters are offered by some of the top financial advisers, stock pickers, and … Read more

Confessions of a Short Term Stock Trader with Swing Trading

Swing Trading

I have a confession to make. For the past six months, I have been buying and selling stocks at a rapid rate lately. It hasn’t been day trading, but I haven’t held a stock for more than a week before selling it. I’ve been swing trading. I have been swing trading with a small portion of my investment portfolio. I have been buying and selling stock and holding shares for only a few days in the hopes of short term price movements. And, I am really loving it I have to admit. Like when I started playing fantasy baseball and it renewed my love for the game, short term stock trading has renewed my love for trading. It’s not for … Read more

The Ultimate Guide to Earning a 10% Rate of Return on Your Investments

The US Dollar

Are you getting the best rate of return on investment? Kiplinger’s Personal Finance Magazine annually discusses ways to boost your investment yield in its latest issue. I have to say that I am always pretty disappointed with their recommendations. I love the magazine, but I didn’t really care for a list of mutual funds and Exchange Traded Funds (ETFs). But, I wanted concrete ideas on how to earn a 10% annual rate of return on my investments. US Treasuries are earning less than 1% and money market funds are not fairing much better. Certificates of deposit are barely scraping by at 2% or so even for the longest maturities. But, are these levels going to last? The stock market has … Read more