Quarterly Client Letter — 2019 Q4
Created: January 2, 2020
Description: Use this 540-word quarterly client letter to reflect on one- and 10-year retrospectives in the new year, including how and why to separate short-term reactions from long-term strategy.
Six Financial Best Practices for 2020
Created: December 8, 2019
Description: Share this 869-word piece with clients and prospects to offer six financial best practices for 2020. This year's selection is based on some of the changes that took place in 2019, including TCJA tax tips, zero-commission stock and ETF trading, and more.
A Timely Reminder on the Perils of Market Timing   Free Sample (Click on title to download)
Created: August 25, 2019
Description: A 735-word client reach-out about the prospect that a trade war with China could lead to a recession. The piece covers four reasons why trying to engage in market-timing in reaction to the unfolding news remains as ill-advised as ever.
You, Your Financial Well-Being and the Federal Reserve (UPDATED)
Created: August 1, 2019
Description: UPDATED FROM MARCH 2018: This 1,200-word piece puts the U.S. Federal Reserve's ongoing federal funds rate changes (especially the Aug. 1 2019 rate decrease) into sound, financial-planning context. Use this piece to inform prospects or clients about how the Fed operates, as well as what your role is in helping them manage debt, save, invest, and spend wisely through various interest rate climates and regardless of what lies ahead.
Quarterly Client Letter — 2019 Q1
Created: April 1, 2019
Description: This 520-word quarterly client letter reflects on the differences between breaking news and timeless investment tenets, noting in particular the contrast between Q1 performance and recent volatile returns just prior.
What Is the Yield Curve? (Article)
Created: August 24, 2018
Description: This 900-word "What Is?" article translates a tricky investment concept -- the yield curve -- to help clients and prospects alike appreciate the role it plays in their fixed income investing. (Look for the separate, Excel spreadsheet also available in the Content-Sharing Library if you need to directly access the Yield Curve diagrams displayed in this piece.)
What Is the Yield Curve? (Diagrams)
Created: August 24, 2018
Description: An Excel file containing two diagrams -- Figures 1 and 2 -- found within the separate "What Is the Yield Curve?" article, also in the Content-Sharing Library. Download this Excel file if you need to directly access the Yield Curve diagrams displayed in this piece.
The Current Market Decline in Context
Created: February 5, 2018
Description: This 430-word message is optimized for reaching out to your clients about the current market decline. It encourages them to stay the course according to their personal plans (unless their own goals have changed). It also reflects on how market drops are normal, and how popular headlines are often designed to grab attention rather than inform readers. The message can be modified to share with prospective clients or for other purposes.
Cryptocurrency: What’s It All About?
Created: December 12, 2017
Description: Use this 1,500-word FAQ on cryptocurrency (and related blockchain technology) to define the terms, the risks and benefits of using it, and why "investing" in it is currently closer to speculating than investing. Break into a series of articles or videos, or use as a single article.
Quarterly Client Letter – 2017 Q1
Created: April 4, 2017
Description: This 525-word, first-quarter client letter summarizes some of the noteworthy market and economic events in Q1 2017 and puts them into the usual "stay the course" context.
Quarterly Client Letter – 2016 Q4
Created: January 3, 2017
Description: This 425-word, fourth quarter (year-end) client letter acknowledges that 2017 remains an unknown and reminds investors of the durability of what really drives market returns -- which is global human enterprise.
What If Everyone Were a Passive Investor?
Created: September 12, 2016
Description: This 1,200-word report explores why we should not have to worry that passive (and evidence-based) investing may become ineffective if too many investors embrace a passive approach. It can be shared with clients and prospects as a timeless discussion, as well as to rebut the recent AllianceBernstein "Road to Serfdom" client note, suggesting that passive investing is "worse than Marxism."
Presidents, Politics and Your Portfolio: Thinking Beyond Stage One
Created: August 27, 2016
Description: This 750-word article can be shared with clients or prospects who may wonder if there is something they should "do" with their investments as the November 8 U.S. presidential election date nears. It encourages them to stay true to their long-term investment strategies by thinking beyond the immediate news.
Quarterly Client Letter – 2016 Q2
Created: July 4, 2016
Description: This 360-word, second quarter client letter reminds clients that the markets' responses in the aftermath of the Brexit referendum illustrate the inherent uncertainty involved in maintaining a disciplined, globally diversified portfolio designed to manage risks and capture expected market returns.
Brexit Vote and Market Outcomes
Created: June 24, 2016
Description: This 680-word piece can be used to reach out to your clients to remind them that you are there for them and to encourage them to stay the course during the days ahead. With minor modifications, it could be used for a general e-blast, video script or similar content for wider audiences.
You, the Capital Markets and Your Brexit Fears (Anglicised)
Created: June 15, 2016
Description: For advisors to reach out to clients who are contemplating abandoning their investment plan in the face of Brexit-generated market volatility, this 500-piece letter reiterates the timeless, evidence-based reasons it's important to avoid reacting to breaking news. Assuming the letter is most appropriate for UK audiences, it is edited for Anglicised references and spellings.
Our Mixed Up, Messed Up Relationship with Investment Risk
Created: May 11, 2016
Description: As we swing into another summer of global events (such as the Cdn. Fort McMurray wildfire, UK Brexit and US elections), this article presents ways that investors tend to overestimate, underestimate, misunderstand and mistreat investment risks (both return-generating market risks as well as avoidable concentrated ones). Use this 1,000-word piece to explain investment risks to prospects and clients alike. Break each section into a series for video scripts or other uses.
Cover Intro for Dimensional 2015 Year in Review
Created: January 21, 2016
Description: This 540-word summary provides an introduction you can use to share Dimensional's 2015 Advisor Byline Market & Economic Review. The introduction is a little longer than in most years, given the current market climate. It's primarily for being in touch with your clients, although it can be modified to serve as a prospecting piece as well.