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Chunks O' Chill

Insights to help you discover your ZeroCelsius.

Insight

Average Is Not Normal

From 1928 through the end of 2015 the S&P 500® Index has produced an average annualized return of 9.5%.

How many of those 87 calendar years do you think the S&P 500 returned between 9% – 10%?

In this brief video Ross explains why average is not normal.
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Last 5 Years vs. Average 5 Years

Check this out… Let’s compare the last 5-year period with the average 5-year period.

The last 5 years have created one of the widest performance gaps we’ve experienced over the past 40 years. Five years is a long time for investors to endure historical “underperformance” from their portfolio’s primary diversifiers.

Check out these charts: Read more →

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Questions You Need Answered

Whether you’re investing for your future retirement or living it now, there are some important questions you need answered:

How much money will you need for your future self?
When will you need it?
How much can you save?
How much should you save?
How much do you need to earn on your savings?
How much risk can you take?
How much risk should you take?
How much Social Security income can you expect?
Is your investment plan designed to get the rewards you need?
Are you willing to downsize your ho…

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Insight, Planning

The Lost Years Club

“If you don’t know where you’re going, chances are you’ll wind up somewhere else.” – A Wise Pooh Bear
If you aren’t clear about where you are, and where you are going—financially-speaking, we get it. We understand what it’s like to be foggy about such things; we see it every day. People spend years—decades even!—lost in this fog. They are members of what Lee Eisenberg in his book, The Number, calls the Lost Years Club.

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How Should You Invest?

The questions are always quick. It’s the answers that take some time.
Quick question: How much do you need to earn on your savings to get “there?” If you’re like a lot a folks, the quick answer is, “lots”.
Let’s say with a little more work you figure you’ll need around 8% annually to provide the lifestyle you seek.
Ok, follow-up question: How much can you afford to lose?
Quick answer, “None”.

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Risk vs Reward

Have you ever stopped to think about investing and all the decisions that face you as an investor? If so, you’ve probably come to understand that investment decisions — past, present and future — are in many cases driven by one core set of criteria: How much return is appropriate for the amount of risk you are taking?
There are many factors to consider when investing, but the core theme of maximizing return for the lowest possible risk is pretty important, no?
How do you know h…

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How The Economic Machine Works

How The Economic Machine Works

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Elections, Surprises & Volatility

Elections, Surprises & Volatility

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Trump Talk

Trump Talk

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