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Investing Blog Roundup: Finding the Optimal Portfolio

A pattern I’ve seen over and over is that, when an investor starts to learn about passive investing, they get stuck trying to figure out how to allocate their portfolio. They can’t figure out exactly how much they want in Fund A as opposed to Fund B, and they can’t quite decide whether or not they should include Fund C.

As Rick Ferri explains this week, trying to find the precisely optimal portfolio is an exercise in futility — even for the experts with access to the best data and software — because the critical inputs (including average returns for asset classes and correlation between them) change meaningfully over time.

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Investing Blog Roundup: Loading Up on Muni Bonds?

Municipal bonds can be a useful tool for investors with taxable brokerage accounts, given that their interest is exempt from federal income tax (and in some cases state income tax). This week, however, author/advisor Allan Roth points out a few reasons why investors might want to place a limit on the portion of their portfolio that they allocate to muni bonds.

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Investing Blog Roundup: What to Make of CAPE (aka PE10)

Cyclically-adjusted price-earnings ratio (CAPE) — aka PE10 — is often touted as a way to predict stock market returns. This week, researcher Wade Pfau takes a look at the usefulness and limitations of CAPE, including what conclusions we should draw from current CAPE levels.

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Investing Blog Roundup: “Defending Public Safety Employees’ Retirement Act”

This week President Obama signed the Defending Public Safety Employees’ Retirement Act into law. The Act (in addition to doing many things unrelated to the title) gives federal public safety employees an additional way to get money out of retirement accounts early without incurring the 10% penalty.

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Investing Blog Roundup: Affordable Care Act Subsidies Are Here to Stay

The big personal finance news this week is that the Supreme Court ruled in favor of the federal government in King v. Burwell. The issue being decided was whether taxpayers in states that declined to establish their own health insurance exchanges could receive premium subsidies. The Court definitively ruled that, yes, they can.

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Investing Blog Roundup: Assume Your SSN Has Been Stolen

Financial fraud/identity theft is an ever-growing problem, and it has the potential to cause you both financial losses and a heck of a lot of hassle. This week, Dirk Cotton has good advice for how to minimize your risk:

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