Most of the financial news I have been reading lately has been focused on reasons a person might want to sell their equities: Today I’d like to talk about something that is incredibly important for everyone to understand. When it comes to building wealth, the biggest cost you will face is the cost of waiting to invest. I don’t think the enormity of this cost is appreciated by most people, which is why I am going to quantify it for you. There will always be an event, or in some cases just an overblown theory, that will serve as a reason to believe it is the end of the world as we know it, a reason to just stay on the sidelines and avoid any but the safe haven dujour.
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Introducing Paul Belanger
Paul Belanger offers unique insights and methods to help you build enduring wealth.
meet paul belanger
Paul is a chemical engineer by profession, earning a Ph.D. in 1997, eventually becoming a Director of R&D. He recently retired at the age of 50, having achieved financial independence, through saving and investing, giving himself freedom of choice.
During his career, he turned his skills and analysis techniques as a chemical engineer towards the financial system and portfolio allocation. After many years of study, Paul came to, what he believes to be the most predictable portfolio, which is 65% stocks and 35% gold. This approach seems to give the best overall balance for good returns while minimizing risks. It’s also important to periodically rebalance these portfolios to maintain that ratio.
buy pauls book
Evidence Based Wealth - How to Engineer Your Early Retirement
Are you seeking to master your financial destiny so that your life will belong to you and not to your employer? Then you have found the right book. This book will provide you with enough basic knowledge that you can develop and execute your own program for achieving financial freedom at an early age. It will also expose you to some fairly advanced tricks and new ways of interpreting financial information, protecting and building wealth, and planning for short and long term financial goals.
learn from paul
Paul's saving & investing philosophy that took him to financial independence
A detailed Analysis of Gold’s Importance in the Monetary System
how to engineer your early retirement; a manual for achieving fire
recent blogs by Paul belanger
One of the biggest risks an income-oriented investor faces is a large decline in dividend income. There are different approaches used to mitigate such a risk. In this article, I will share with you how to guard against systemic dividend decline. One popular approach is to carefully screen dividend stocks and only invest in those which satisfy certain income and balance sheet requirements (e.g. dividend coverage ratio, free cash flow growth, etc.). Another approach is to select from a list of stocks that have had a stellar track record of dividend payments such as the Dividend Aristocrats and Dividend Kings.
As Benjamin Graham has stated “An investment operation is one which, upon thorough analysis, promises safety of principal and a satisfactory return. Operations not meeting these requirements are speculative.” In this article, I hope to convince you that because of repeated changes to the definition of “the dollar” one cannot ever be 100% satisfied that the lending of “dollars” is an investment operation. This inflation in the currency supply may not affect the prices of all goods and services uniformly, and many goods will not climb at a rate of 7.5% per year due to enhancements in productivity, but the inflation effect is very real leading to the conclusion that the only truly valid unit of account in today’s world are ounces of gold and ounces of silver, s,o should gold and silver in hand be considered the default position for any holder of wealth?
Given this short-term uncertainty, a logical question arises: “how much of my portfolio should I keep in cash?” This is an excellent question and one that can be informed by some mathematical evaluation. I say “informed” because mathematical models cannot precisely predict the future. They can, however, help guide our decision-making. Today I am going to discuss how I view the cash vs. stocks decision. I’m going to leave out the discussion of gold (for now). The benefit of this article to you should be to give you some ideas of a general framework you can use to shape your own decision-making.
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