Vantage Point is dedicated to expressing the investment approach and views of Fifth Set Investment Advisors.

Passing Shots Blog

A variety of thoughts, ideas, views on and reactions to the world of personal finance and investing.

The SECURE Act – Congress passes significant new retirement plan legislation January 3, 2020 - In the final session of 2019, Congress passed and the President signed, the SECURE Act (The Setting Every Community Up for Retirement Enhancement Act), a significant piece of legislation that contains several important updates and changes for investors.  Among the most significant are the following:  ...read more »
Getting to Know the Fifth Set Credentials – The Enrolled Agent (EA) December 19, 2019 - When an individual or business needs a tax professional, the credential most typically sought out is the certified public accountant (CPA). However, there is another, albeit less well-known designation, that also represents tax practitioner professionals authorized by the US Department of the Treasury: Enrolled Agent  ...read more »
IPOs – High Profiles, Low Returns – Following the Evidence December 12, 2019 - One of the benefits derived from the evidence-based investment approach is the systematic avoidance of underperforming investment strategies.  Media narratives and marketing drive many of these strategies, that while they might help increase advertising sales and commissions, do little to help investors develop successful investment  ...read more »

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Fifth Set Investment Articles

Larchmont Living – Six Key Questions for the Long-Term Investor

Larchmont Living – When Interest Rates Go Up, Do Stocks Go Down?

Larchmont Living – What’s in a Name? Five Questions to Ask Your Financial Advisor to Find Out

Larchmont Living – New York Direct 529 Plan Updates

Larchmont Living – The Market is Up (a Lot)…Should That Change How We Invest?

Larchmont Living – Return Factors – Using Academic Research to Achieve Higher Portfolio Returns

Larchmont Living – Hold or Diversify: The Low Cost Basis Stock Conundrum

Larchmont Living – A Critical Portfolio Construction Concept: Dollar Downside Risk

Larchmont Living – Do Advisor-Sold 529 Plans Earn Their Fees?

Larchmont Living – The Impact of Volatility on Wealth

Larchmont Living – Keep Your Eye on the Ball

Larchmont Living – Asset Class Returns: The Ultimate Cliffhanger

Larchmont Living – Appreciating Uncertainty: Elections, Investing and Setting Expectations for the Future

Larchmont Living – 1988-2015 – A Review of Global Asset Class Investing – Benefits and Risks

Larchmont Living – A Five-Point Pre-Election Day Portfolio Checklist

Larchmont Living – What is Your Number?

Larchmont Living – Evaluating Money Manager Skill – A Matter of Persistence

Larchmont Living – Rebalancing: A Return Enhancer, Risk Reducer, Both or Neither?

Larchmont Living – A Better College Funding Strategy Without 529 Plans – The Generous Grandparent Scenario

Larchmont Living – 529 Plans: Three Do’s and Don’ts to Help Navigate These College Savings Plans

Larchmont Living – Why Bother with Bonds?

Larchmont Living – Reduce the Tax Pain with Four Tax Efficient Investing Strategies

Larchmont Living – High Volatility, High Anxiety…Five Ideas for Successfully Managing Market Volatility

Additional Resources

A collection of third party videos, articles, white papers, and books that deepen the understanding of the Fifth Set concepts.

Dimensional Fund Advisor Videos

Power of Markets

Can You Predict a Good Time to Buy and Sell Stocks?

A Foundation Built on Great Ideas – Introduction to Dimensional

Know the Animal

How We Design Portfolios

SPIVA® – S&P Dow Jones Indices Index Vs Active

SPIVA® U.S. Year-End 2016

Persistence Scorecard Year-End 2016

Papers/Articles

Murder on the Orient Express
– Ellis

Determinants of Portfolio Performance
– Brinson, Hood, Beebower

The Arithmetic of Active Management
– Sharpe

The Arithmetic of Investment Expenses
– Sharpe

What Stock to Buy? Hey, Mom, Don’t Ask Me – Mankiw,
New York Times

Books

The Wisdom of Crowds
– James Surowiecki

The Investor’s Manifesto: Preparing for Prosperity, Armageddon, and Everything in Between
– William J. Bernstein

Asset Allocation: Balancing Financial Risk
– Roger C. Gibson

Winning the Loser’s Game, 6th edition: Timeless Strategies for Successful Investing
– Charles Ellis