Author Archives: pkcrafter

Investing Essentials A Primer Essentials-Basics-Fundamentals Dedicated to those investors trying to make sense of it all Introduction Who is writing this primer? I am a self-taught investor who began by learning the basics from other knowledgeable, dedicated investors. I have … Continue reading →

CHAPTER 1 Investing Essentials There are many directions an investor can take when risking assets for higher returns, but for most of us who are simply trying to get from point A to point B (retirement), the really efficient, and … Continue reading →

Chapter 2. Understanding Risk and Asset Allocation Asset allocation (AA) is a financial term that simply refers to what percentage of money you decide to put into stocks, bonds and cash—the primary asset classes. The purpose is to set the … Continue reading →

Chapter 3 How Diversification Works Diversification – A simple explanation: Spreading your money into many broad areas is called diversification. It works something like this: Let’s say you are packing for a trip to a place you’ve never been and … Continue reading →

Chapter 4 Diversifying a Portfolio with asset classes A good approach to diversifying with stock asset classes begins with viewing the U.S. equity portion of a portfolio. The total U.S. market profile is about 72% large cap, 19% mid cap, … Continue reading →

Chapter 5 Costs ARE a BIG DEAL Jack Bogle is a giant in the mutual fund industry. He is the founder of the Vanguard Group and the creator of the first universally available S&P 500 index fund. And yet, Mr. … Continue reading →

Chapter 6 Building Your Portfolio—A Look at Fund Options While individual stocks may be an option for some investors who have the skill, time, and interest, they are not the best choice for most investors. Here’s why: When you invest … Continue reading →