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Investing

Heritage at CFA Institute Annual Conference

Bob Weisse, Chief Investment Officer, and Michael Waldron, Portfolio Manager recently attended the CFA Institute Annual Conference in Philadelphia. Bob and Michael are CFA charterholders. The CFA designation is the highest set of credentials in the global investment management industry. The CFA examinations rigorously test candidates on a wide array of technical investment topics and… More >

The Risks of DIY Investing

Heritage’s Chief Investment Officer, Bob Weisse, opined on Do-It-Yourself investing in an article published in US News recently. Here is an excerpt from the article: “Many investors have a poor investment experience because they buy high and sell low,” Bob says. He further adds that most people think they can control their emotions, but many… More >

Heritage Investment Review: Q2 2017

The Liberating Feeling of an Investment Plan An investment plan is far different from buying and selling hot stocks and dreaming of turning a small amount of money into a fortune. It starts with a well-thought-out financial plan that carefully evaluates your financial position and cash flows. The investment plan is then created out of… More >

Heritage investment review: q1 2017

Twelve Months of Calm Seas in the Wake For the past twelve months, stock returns have been high and the bumpiness experienced to achieve those returns has been low(1). Despite two major events in 2016—Great Britain voting to exit the European Union and a presidential election in the United States—it has been a tame period… More >

Why Investors Should Diversify Globally

One of the distinguishing features of Heritage Financial’s investment philosophy is our belief that investors should diversify globally. While there are many reasons for this that we can explain and relate specifically to a client’s personal situation, this article from CNBC does a nice job highlighting some basic points as to why it makes sense…. More >

Heritage Investment Review: Q4 2016

Heritage clients experienced strong investment returns in 2016. While global stocks increased by 7.86% , our equity allocation increased by 14.75%. This exceptional performance in stocks more than offset the subdued year for Heritage’s alternatives allocation, which ended the year down 1.68%. Heritage’s short-term and yield-oriented positioning in bonds paid off in 2016. Our bond… More >

Heritage Investment Review: Q3 2016

In our last Market and Investment Review we demonstrated how a long-term investor, who sticks to his or her plan, and doesn’t get worked up by the financial media, tends to enjoy a superior investment experience. As we approach a once-in-four-year event—the election of a U.S. president—emotions tend to pique. We understand important questions are… More >

Heritage Investment Review: Q2 2016

An investor with $1 million set her allocation on the last day of 2015 to 60% in global stocks and 40% in bonds. She left for Tuscany determined to completely relax. As part of this she resolved to avoid reading any newspapers or articles on the markets. She took a deep breath and determined to… More >

Don’t Take the Market’s Lowball Offer

Have you ever sold your house? It’s usually an emotional process involving many important steps: 1. Finding a realtor to guide you through a major transaction 2. Following their advice on repairs and updates to make the home salable 3. Deciding on a listing price after reviewing recent comparable transactions and market availability 4. Figuring… More >

Heritage Investment Review: Q1 2016

One of the simple but powerful maxims in investing is buy low, sell high. It’s intuitive logically but difficult behaviorally. Over and over, investors — non-professional and professional alike — panic when an asset class declines and, metaphorically, ‘run for the door’. Buying into a declining asset is difficult psychologically; increasing your stake in that… More >