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VCM Client Website Overview

Investment Policy Statement: Find out how an investment policy statement can be your blueprint for investment success.

It's difficult to predict the best days in the markets, and the cost of missing them can be high. When you try to time the market, you have to be right twice, exiting at the right time and buying back in at the right time. That's why it is so difficult to do consistently. The [...]

The Yield Curve Has Flipped, Don’t Let Your Investment Strategy Flip As Well August 2019 What is a yield curve, and why are stock investors interested in its shape? A yield curve gives a snapshot of how yields vary across bonds of similar credit quality, but different maturities, at a specific point in time. For [...]

Does it pay to try and time the markets? Let's take a quick look at the data to find out.

Born almost 2,000 years ago as a slave in present day Turkey, Epictetus obtained his freedom and became one of the most influential philosophers of all time. Here is one of my favorite teachings of him: “If your choices are beautiful, so too will you be”. You are what your choices make you.  Throughout life [...]

With the recent volatility at the end of 2018, and with US stocks outperforming non-US stocks in recent years, some investors have again turned their attention towards the role that global diversification plays in their portfolios.

Most know they need to save money. Whether it is for an emergency, retirement, or some other goal, saving is essential. One of the big decisions in the planning process is what vehicles you should save in. Should you use a traditional 401(k)/IRA or Roth 401(k)? Should you use a 529 plan? What about an HSA? How much should be going in taxable accounts? What other types of accounts should be used?