Quarterly Client Letter — 2019 Q2  

Created: July 2, 2019

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Description: Use this 632-word quarterly client letter for Q2 2019 to describe Daniel Kahneman's research into decision-making "noise," and how it can be employed for improved investing.

The Viability of the Value Premium (Multi-Part Series)  

Created: June 16, 2019

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Description: This multi-part series segments the full-length 1,765-word report on the viability of the value premium into five shorter, quick-read pieces. It covers the origins of the value premium, historical precedents, additional evidence that the value premium likely remains viable, and the role global diversification plays in managing risks and expected returns. The five parts are bundled into a single zip file for simplified download.

The Viability of the Value Premium (Full Report Version)  

Created: June 16, 2019

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Description: This 1,765-word document addresses investor concerns that the value premium may be "dead," since value stocks have underperformed growth stocks for approximately the past decade. It covers the origins of the value premium, historical precedents, additional evidence that the value premium likely remains viable, and the role global diversification plays in managing risks and expected returns.

Good Advice (UPDATED)  

Created: May 27, 2019

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Description: UPDATED FROM 2016: This 605-word piece reminds your clients and informs prospective clients that the best-interest advice you offer goes well beyond stock-picking tips. It reinforces why a good financial adviser remains relevant even as low-cost funds, automated investing and simplified financial planning are on the rise.

What Is Asset Location? (UPDATED)  

Created: May 27, 2019

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Description: UPDATED FROM 2013: This 710-word article is part of our ongoing "What Is ...?" series. It defines asset LOCATION, differentiates it from asset ALLOCATION, and provides an overview of both its benefits and challenges. Share this piece with clients or prospects as an article, post, or video script, or for similar purposes.

What Is Liquidity?  

Created: May 14, 2019

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Description: This 768-word article is part of our ongoing "What Is ...?" series. It defines liquidity, offers some approachable examples of how it works, and considers it within the context of an overall investment portfolio. Share this piece with clients or prospects as an article, post, or video script, or for similar purposes.

Evidence-Based Investment Insights Series WHITE PAPER (UPDATED)  

Created: April 25, 2019

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Description: UPDATED FROM 2014: This 25-page white paper compiles the entire Evidence-Based Investment Insights series into a single document you can use to design your own company white paper. Share the paper as a printed handout or in PDF/booklet form with clients and prospects. Use it as a give-away to collect e-mails on your website or for other similar purposes. A set of 14 individual installments for "dripping" the series, and an 8-page report version of this same material also are available for separate download.

Evidence-Based Investment Insights Series REPORT (UPDATED)  

Created: April 25, 2019

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Description: UPDATED FROM 2014: This 8-page report strikes a happy medium between the full, 25-page white paper and the individual installments available in the Evidence-Based Investment Insights series. Compiling key messages from the entire series, this report offers a mid-length, single document overview of evidence-based investing. Share the paper as a printed handout or in PDF form with clients and prospects. Use it as a give-away to collect e-mails on your website or for other similar purposes.

Evidence-Based Investment Insights Series — 14 Parts (UPDATED)  

Created: April 25, 2019

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Description: UPDATED FROM 2014: This is a series of 14 short pieces for explaining evidence-based investment principles in a step-by-step approach. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script to introduce your investment approach to prospective clients or to review key benefits with existing clients. Collection will download as a zip file containing 14 Word documents. A compiled, 25-page white paper and 8-page report also are available for separate download.

Quarterly Client Letter — 2019 Q1  

Created: April 1, 2019

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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 Asset Allocation?  

Created: February 13, 2019

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Description: This approximately 750-word piece provides a working definition of asset allocation, to share with clients, prospects and others. It's the latest addition to an accumulating "What Is ...?" series, defining frequently used terminology for those who may not "just know" what it means.

Cover Intro for Dimensional 2018 Market Review  

Created: January 8, 2019

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Description: This 565-word summary provides an introduction you can use to share Dimensional's 2018 Market Review, with an emphasis on remaining resolute and diversified during volatile markets. You can use the intro to be in touch with your clients or as a prospecting piece for those interested in evidence-based investing.

Quarterly Client Letter — 2018 Q4  

Created: January 2, 2019

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Description: This 515-word quarterly client letter offers two talking points on how to consider current market conditions in the context of long-term market performance. "Average" returns aren't the norm, and recency bias is a risk.

2018 Year-End Market Volatility Client Reach-Out  

Created: December 6, 2018

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Description: Use this 2018 year-end client reach-out to help clients ride out current market volatility. The document contains two versions: (1) a 580-word extended reach-out that includes references to Hans Rosling's new book "Factfulness," and (2) an abbreviated, 330-word reach-out that omits the reference to Rosling's book.

Five Financial Adages for Thriving in Volatile Markets  

Created: November 19, 2018

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Description: This big, meaty, 2,000-word report takes a close look at why so many investors fail to adhere to five widely accepted financial adages (e.g., "buy low, sell high"), ESPECIALLY DURING VOLATILE/DOWN MARKETS. Use this report with clients or prospects -- either as-is, or as a drip communication or video series, sharing one adage at a time, over time.

Global Diversification: The Antacid for Market Turbulence  

Created: October 10, 2018

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Description: A timely 600-word client reach-out to reflect on the October 10, 2018 U.S. stock market tumble. Emphasizing the continued importance of remaining globally diversified according to one's goals and risk tolerances, the message also reminds them of your role as their fiduciary advisor. Ideal for a client email, the piece can also be modified for more general purposes.

Quarterly Client Letter — 2018 Q3  

Created: October 1, 2018

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Description: This 530-word quarterly client letter offers three reasons investors should avoid the temptation to engage in market-timing by abandoning their existing plans and investments out of concern that the market may be "overpriced" and headed for a fall.

What Is the Yield Curve? (Article)  

Created: August 24, 2018

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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

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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.

Food for Thought: “Reducing the Risk of Black Swans” Book Review  

Created: August 6, 2018

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Description: This 1,250-word book review of Larry Swedroe's and Kevin Grogan's book, "Reducing the Risk of Black Swans," will be useful for advisors who are introducing some of the newer factors and alternative investment strategies into their evidence-based investment portfolios. Share it with clients or prospects, along with the book itself, or use it as a summary for in-house reference.

An Evidence-Based Approach to Sustainable Investing: White Paper  

Created: July 20, 2018

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Description: This six-page piece combines our previously published, three-part series into a single white paper, providing an informational overview of sustainable investing in the context of evidence-based investment strategies. Use this paper (or the series, in installments) to respond to client and prospect questions about sustainable investing.

An Evidence-Based Approach to Sustainable Investing Part III: Sustainable Investing Today  

Created: July 16, 2018

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Description: This 1,125-word document is part III of a three-part series, providing an informational overview of sustainable investing in the context of evidence-based investment strategies. Use this series to respond to client and prospect questions about sustainable investing. Part III explores the challenges and opportunities sustainable investors face today and moving forward, especially with respect to developing strong company reporting standards.

Quarterly Client Letter — 2018 Q2  

Created: July 3, 2018

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Description: This 400-word quarterly client letter reflects on the mixed bag of scary and enticing market news from the quarter, encouraging clients to stay on course with their well-built portfolio to maintain the highest odds of achieving their personal goals.

An Evidence-Based Approach to Sustainable Investing, Part II: Degrees of “Doing Good”  

Created: June 18, 2018

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Description: This 700-word document is part II of a three-part series, providing an informational overview of sustainable investing in the context of evidence-based investment strategies. Use this series to respond to client and prospect questions about sustainable investing. Part II explores how to quantify “doing good,” and shares ideas on how to invest in ways that best balance an investor's financial goals with their personal values.

An Evidence-Based Approach to Sustainable Investing, Part I: Setting the Sustainable Stage   Free Sample (Click on title to download)

Created: June 18, 2018

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Description: This 500-word document is part I of a three-part series, providing an informational overview of sustainable investing in the context of evidence-based investment strategies. Part I introduces a few key terms and summarizes how sustainable investment priorities may vary depending on individual goals. Use this series to respond to client and prospect questions about sustainable investing.

What Is Correlation (and Why Would You Care)?  

Created: May 30, 2018

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Description: This 1,000-word "What Is?" article translates a tricky investment term -- correlation -- to help clients and prospects alike appreciate the role it plays in portfolio construction.

A Focus on Fixed Income (UPDATED)  

Created: April 27, 2018

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Description: UPDATED FROM SEPTEMBER 2015: This 1,275-word article covers the essential roles fixed income should play in an investor's portfolio, along with some of the basics on how fixed income differs from equity investing. It also reinforces the important role an objective advisor can play in building and managing fixed income investments. Use the piece for e-newsletters, e-mails, handouts and mailings, or to create video script for prospective or existing clients.

Quarterly Client Letter — 2018 Q1   Free Sample (Click on title to download)

Created: April 2, 2018

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Description: This 500-word quarterly client letter reflects on the recent uptick in market volatility, encouraging clients to be in touch with you if they need a "pep talk," a shift in their investment plans, or both.

10 Things To Do Right Now While Markets Are (Not Really) Tanking  

Created: March 21, 2018

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Description: Use this 1,250-word handout with clients or prospects, to serve as a "safety drill" during calm markets, to help them prepare for staying the course during market downturns. The piece offers 10 judicious actions to take during bear markets, along with 10 insightful quotes from respected subject matter experts. You also can encourage readers to revisit the piece (or use it with a brief intro) the next time markets actually are tanking.

You, Your Financial Well-Being and the Federal Reserve (UPDATED)  

Created: March 14, 2018

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Description: UPDATED FROM DECEMBER 2015: This 1,250-word piece puts the U.S. Federal Reserve's ongoing federal funds rate changes into sound financial planning context. Use this piece to inform prospects or clients about your role in helping them manage debt, save, invest, and spend wisely through various interest rate climates and regardless of what lies ahead.

The Vital Role of Rebalancing (UPDATED)  

Created: January 26, 2018

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Description: UPDATED FROM JUNE 2013: Use this 960-word document with clients or prospects to explain how your firm adds value by employing rebalancing as part of an evidence-based strategy. Properly implemented, rebalancing offers a disciplined, cost-effective approach to buying low and selling high and staying on track toward one's personal financial goals.

Cover Intro for Dimensional 2017 Market Review  

Created: January 9, 2018

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Description: This 500-word summary provides an introduction you can use to share Dimensional's 2017 Advisor Byline Market Review. You can use it to be in touch with your clients or as a prospecting piece for those interested in evidence-based investing.

Quarterly Client Letter — 2017 Q4  

Created: January 1, 2018

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Description: This 425-word, fourth quarter client letter reminds clients of the importance of adhering to their Investment Policy Statement using disciplined rebalancing in the context of strong 2017 market returns.

Cryptocurrency: What’s It All About?  

Created: December 12, 2017

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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 Q3  

Created: October 1, 2017

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Description: This 330-word, third quarter client letter reminds clients why an evidence-based investment approach remains in their best interests, using an illustration from a Russell quarterly report based on less-dependable advice.

The ABCs of Behavioral Biases: H-O  

Created: September 25, 2017

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Description: This 1,030-word piece is part 4 in a 7-part series exploring behavioral biases that cause the most damage to investor resolve. Part 4 covers hindsight, loss aversion, mental accounting and outcome bias. You can share the complete series with clients and prospects as a combined white paper, individual articles or video scripts, an e-mail drip series and more.

The ABCs of Behavioral Biases: A-F  

Created: August 25, 2017

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Description: This 730-word piece is part 2 in a 7-part series exploring behavioral biases that cause the most damage to investor resolve. Part 2 covers anchoring, blind spot, confirmation and familiarity bias. You can share the complete series with clients and prospects as a combined white paper, individual articles or video scripts, an e-mail drip series and more.

The ABCs of Behavioral Biases: Introduction   Free Sample (Click on title to download)

Created: August 18, 2017

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Description: This 600-word introduction kicks off a seven-part series exploring behavioral biases that cause the most damage to investor resolve. First, we explore why we have behavioral biases, what they do to us, and what we can do about them. Next we'll introduce specific behavioral biases in alphabetic order. You can share the complete series with clients and prospects as a combined white paper, individual articles or video scripts, an e-mail drip series and more.

Quarterly Client Letter – 2017 Q2  

Created: July 4, 2017

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Description: This 440-word, second quarter client letter reminds clients to avoid market-timing and focus instead on asset allocation and rebalancing -- in good markets and bad.

Content from “What Is Evidence-Based Investing?”  

Created: June 22, 2017

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Description: Available exclusively to Content-Sharing Library subscribers, this Word document provides the same talking points used in our recently released "What Is Evidence-Based Investing?" infographic/poster for use in other materials.

Introduction to “What Is Evidence-Based Investing?”  

Created: June 22, 2017

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Description: Use this short, introductory message to share our recently released "What Is Evidence-Based Investing?" infographic/poster with clients, prospective clients and others.

“What Is Evidence-Based Investing?” Slideshow  

Created: June 22, 2017

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Description: Designed to complement our recently released "What Is Evidence-Based Investing?" infographic/poster, this PowerPoint slideshow reiterates the same talking points for use in client, prospective client and other presentations.

Misperceptions About Market Corrections: Are You Prepared?  

Created: June 4, 2017

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Description: This 750-word document can be used in letter, email, article or video script format to help clients and prospects prepare for any future market corrections following the current long stint of relative calm. It encourages readers to ensure their portfolio meets their long-term goals and risk tolerances. Choose from two calls to action at the end, depending on whether you're sharing it with clients or prospects.

An Index Overview | Part 4: Index Investing – Opportunities and Obstacles  

Created: March 21, 2017

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Description: This 1,200-word piece is part four of a four-part series covering indexes and index investing. Part 1 defined indexes in general. Part 2 took a closer look at what index points measure and some of their inherent characteristics. Part 3 explored some of the idiosyncrasies inherent to indexes. This final part 4 explores how indexes are used (and sometimes abused) in index fund investing. Use the series to discuss indexing as a drip series, in a combined report, or as video or podcast scripts.

An Index Overview | Part 3: Index Mechanics – Interesting Idiosyncrasies  

Created: March 8, 2017

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Description: This 1,060-word piece is part three of a four-part series covering indexes and index investing. Part 1 defined indexes in general. Part 2 took a closer look at what index points measure and some of their inherent characteristics. Part 3 explores some of the idiosyncrasies inherent to indexes. The final part 4 will explore how indexes are used (and sometimes abused) in index fund investing. Use the series to discuss indexing as a drip series, in a combined report, or as video or podcast scripts.

An Index Overview | Part 2: A Few Points About Index Points  

Created: February 23, 2017

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Description: This 780-word piece is part two of a four-part series covering indexes and index investing. Part 1 defined indexes in general. Part 2 takes a closer look at what index points measure and some of their inherent characteristics. Future parts will look at some of the strategies used to structure indexes, and how they are used (and sometimes abused) in index fund investing. Use the series to discuss indexing as a drip series, in a combined report, or as video or podcast scripts.

An Index Overview | Part 1: Indexes, Defined  

Created: February 12, 2017

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Description: This 800-word piece is part one of a four-part series covering indexes and index investing. Part 1 defines indexes in general, summarizes key uses (benchmarking and index fund investing), and explains why milestones like the "Dow 20,000" should not be used to engage in market-timing. Future parts will take a closer look at some of the strengths and weaknesses inherent to indexes and index fund investments. Use the series to discuss indexing as a drip series, in a combined report, or as video or podcast scripts.

Cover Intro for Dimensional 2016 Market Review  

Created: January 12, 2017

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Description: This 450-word summary provides an introduction you can use to share Dimensional's 2016 Advisor Byline Market & Economic Review. It's primarily for being in touch with your clients, although it can be modified to serve as a prospecting piece as well.

Quarterly Client Letter – 2016 Q4  

Created: January 3, 2017

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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.

Client Cover Letter for Sharing Dimensional Materials  

Created: December 7, 2016

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Description: This 260-word (single page) cover letter can be used to share one or more recent resources Dimensional Fund Advisors has made available to advisors who are approved to use their fund line-up. Use this letter to remind CLIENTS of the value that Dimensional funds can add to their evidence-based investing. It references Dimensional's WSJ reprint "The Active-Passive Powerhouse," a Pensions & Investments reprint, "Dissecting Dimensional," and Dimensional's book, "35 Quotations." (The Content-Sharing Library also contains a separate letter for sharing these same materials with PROSPECTS.)

Prospect Cover Letter for Sharing Dimensional Materials  

Created: December 7, 2016

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Description: This 450-word cover letter can be used to share one or more recent resources Dimensional Fund Advisors has made available to advisors who are approved to use their fund line-up. Use this letter as a follow-up to your initial conversation or meeting with a PROSPECT, to promote evidence-based investing as implemented by Dimensional funds. It references Dimensional's WSJ reprint "The Active-Passive Powerhouse," a Pensions & Investments reprint, "Dissecting Dimensional," and Dimensional's book, "35 Quotations." (The Content-Sharing Library also contains a separate letter for sharing these same materials with CLIENTS.)

Quarterly Client Letter – 2016 Q3  

Created: October 4, 2016

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Description: This 480-word, third quarter client letter reflects on a relatively quiet summer, celebrates some recent market milestones and reminds clients that, despite continued domestic and global uncertainties, the best approach is the long-term, evidence-based strategy.

Structured CDs — Buyer Beware!  

Created: September 26, 2016

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Description: This 650-word article describes how structured or market-based CDs aren't the same as traditional Certificates of Deposit, drawing from a recent Wall Street Journal critique of their costs and conflicts of interest. Share with clients or prospects who may be tempted by the "low risk, higher return" promises without considering the complexities involved.

What If Everyone Were a Passive Investor?  

Created: September 12, 2016

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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

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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.

Parenting Your Wealth in Uncertain Markets  

Created: August 12, 2016

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Description: This 1,000-word article compares good parenting skills to good wealth management, describing why patience is an investor's greatest virtue. Share with clients and prospects during this summer's unruly political climate or, with minor modifications, it can serve as a timeless piece to address any form of heightened uncertainty.

Intro for “Reflections on Real Estate Investing” Report  

Created: July 19, 2016

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Description: For advisers who are receiving timely queries about the current (July 2016) sell-off of U.K. Open Ended Property funds, this 200-word cover letter can be used to share the separate "Reflections on Real Estate Investing" report. The report can be used along with this intro, or it can serve as a general, stand-alone piece on real estate investing.

Reflections on Real Estate Investing Report  

Created: July 19, 2016

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Description: This 1,300 word report offers a timeless overview of the guiding principles for investing in real estate as part of an effective, globally diversified portfolio. Share the report with clients or prospects to explain how real estate investing may fit into their portfolio (in the form of low-cost, evidence-based REIT funds), and to offer caveats on how to manage the risks involved. [Note: A separate, intro cover letter also is available for advisers who may be receiving queries about the current (July 2016) sell-off of UK Open Ended Property funds.]

Quarterly Client Letter – 2016 Q2  

Created: July 4, 2016

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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.

Survivorship Bias and Other Tricks of the Trade  

Created: June 6, 2016

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Description: This 700-word article describes survivorship bias in performance analysis -- what it is, how common it is, and why an investor should care about it (as it can lead to overly optimistic return expectations). It wraps by pointing out how evidence-based advisors like you help investors separate biased data from solid results and invites them to be in touch with you to learn more. Use it to reach out to prospects and inform current clients.

Our Mixed Up, Messed Up Relationship with Investment Risk   Free Sample (Click on title to download)

Created: May 11, 2016

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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.

Fixed Income Investing: What To Do in Lieu of Chasing Yield  

Created: May 4, 2016

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Description: As follow-up to the Library's "Investing for Retirement Income" series, this 1,250-word piece explores how investors can optimize their fixed income investing without stretching for junk bond or dividend yields. It covers the role of the yield curve, laddering, using CDs/GICs, managing costs, revisiting asset allocations and (last but not least!) working with an experienced advisor to assist in all of these areas. Use this piece to help prospective and current clients better understand fixed income investing. It also will help explain why your advisor fees are the same when managing fixed income or equities. Managed properly, they both require significant care and expertise.

April Q1 2016 Client Letter (Guess the Media Source)  

Created: April 1, 2016

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Description: This 445-word, first quarter client letter reinforces the importance of staying invested according to plan. It juxtaposes distracting headlines from the popular press with timeless advice from solid sources such as WSJ's Jason Zweig as well as your own evidence-based investment advice. It also reminds clients that you are there to serve their highest financial interests (in case they've been seeing the news about the DOL's impending fiduciary regulations).

Investing for Retirement Income: Part 3 — Total-Return Investing  

Created: March 15, 2016

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Description: In this three-part series, we’ll explore three ways investors try to prevent low interest rates from consuming their retirement income: dividend-yielding stocks, high-yield bonds and total-return investing. Part 1 covered the disadvantages of using dividend-yielding stocks for this role. Part 2 explored the same for high-yield bonds. This Part 3 explains how to use total-return investing for retirement planning (with a low-cost, globally diversified portfolio tailored for individual goals and risk tolerances). Use the series to communicate these messages to clients and prospects alike.

Investing for Retirement Income: Part 2 — High-Yield Bonds  

Created: March 6, 2016

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Description: In this three-part series, we’ll explore three ways investors try to prevent low interest rates from consuming their retirement income: dividend-yielding stocks, high-yield bonds and total-return investing. Part 1 covered the disadvantages of using dividend-yielding stocks for this role. Part 2 explores the same for high-yield bonds. Part 3 will explain how to use total-return investing for retirement planning (with a low-cost, globally diversified portfolio tailored for individual goals and risk tolerances). Use the series to communicate these messages to clients and prospects alike.

Investing for Retirement Income: Part 1 – Dividend-Yielding Stocks  

Created: February 25, 2016

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Description: In this three-part series, we’ll explore three ways investors try to prevent low interest rates from consuming their retirement income: dividend-yielding stocks, high-yield bonds and total-return investing. Part 1 covers the disadvantages of using dividend-yielding stocks for this role. Part 2 will explore the same for high-yield bonds. Part 3 will explain how to use total-return investing for retirement planning (with a low-cost, globally diversified portfolio tailored for individual goals and risk tolerances). Use the series to communicate these messages to clients and prospects alike.

January Q4 2015 Client Letter (Peek-a-Boo Markets)  

Created: January 4, 2016

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Description: This 420-word year-end client letter observes that 2015 markets were like a game of peek-a-boo with respect to global returns. It reminds clients how "recency" can trick them into making the wrong moves at the wrong time, and why it's important to stay invested in their personalized, evidence-based, globally diversified portfolio.

How Do We Choose the Funds We Use?  

Created: November 15, 2015

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Description: Other materials in the Content-Sharing Library can be used to describe your evidence-based investment strategy. This piece describes how you narrow down your fund manager selections for converting sensible strategy into practical implementation. Use the piece for e-newsletters, e-mails, handouts and mailings, or to create video script for prospective or existing clients.

A Meaningful Message for Thanksgiving-2015  

Created: November 7, 2015

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Description: A 400-word message to send to clients as a Thanksgiving greeting (mail or e-mail), sharing some lighthearted "turkey talk" and expressing gratitude for their business. Each of the Library's annual Thanksgiving messages are timeless, so if you've not yet used messages from years' past, you can choose your favorite among them to send to clients. (Filter by the Holiday category to find them all at https://www.wendyjcook.com/documents/category/holiday/)

Three Key Investment Strategies Hidden in Plain Sight: #3 — INTERNATIONAL VERSION — Controlling Costs  

Created: September 25, 2015

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Description: This 1,375-word piece represents part three of a series covering three essential evidence-based investment strategies: market participation ("being there"), managing market risk (diversification) and controlling costs. THIS UPDATED VERSION EXPLORES CONTROLLING COSTS WITH AN INTERNATIONAL PERSPECTIVE AND ILLUSTRATIONS. It also emphasizes the benefits of having an evidence-based advisor to assist. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script for prospective or existing clients.

Three Key Investment Strategies Hidden in Plain Sight: #3 — Controlling Costs  

Created: September 4, 2015

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Description: This 900-word piece represents part three of a series covering three essential evidence-based investment strategies: market participation ("being there"), managing market risk (diversification) and controlling costs. It also emphasizes the benefits of having an evidence-based advisor to assist. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script for prospective or existing clients.

Three Key Investment Strategies Hidden in Plain Sight: #2 – Managing Market Risks  

Created: August 11, 2015

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Description: This 700-word piece represents part two of a series covering three essential evidence-based investment strategies: market participation ("being there"), managing market risk (diversification) and controlling costs. It also emphasizes the benefits of having an evidence-based advisor to assist. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script for prospective or existing clients.

Three Key Investment Strategies Hidden in Plain Sight: #1 – Being There  

Created: July 26, 2015

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Description: This 800-word piece represents part one of a series covering three essential evidence-based investment strategies: market participation ("being there"), managing market risk (diversification) and controlling costs. It also emphasizes the benefits of having an evidence-based advisor to assist. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script for prospective or existing clients.

More Evidence on the Evidence: An Historical Overview of Capital Market Theory  

Created: June 27, 2015

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Description: This 1,400-word piece complements the recently released "Evidence on the Evidence" piece, which explored how to differentiate academic evidence from less substantive work. This follow-up offers a timeline of the most important academic findings, from MPT to the Three-Factor Model and into the future. It highlights the role you play as an adviser, helping your clients incorporate meaningful evidence into their ongoing investment discipline. Use this pair of pieces to inform clients or prospects about the benefits of evidence-based investing.

The Evidence on the Evidence: How Do You Know What (and Whom) to Heed?  

Created: June 10, 2015

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Description: This 1,000-word piece explores key differences between robust, peer-reviewed academic evidence and the less substantive information that tends to grab the bigger headlines. It also describes how you, as an evidence-based adviser, help your clients become better investors by understanding why the difference matters. Use the series to inform clients or prospects about the importance of evidence-based investing. This piece pairs well with the complementary article, "More Evidence on the Evidence," which offers an historical overview of landmark studies from MPT to the Three-Factor Model and beyond.

Cover Intro for Dimensional 2014 Year in Review  

Created: January 14, 2015

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Description: Here's a 375-word letter or e-mail you can use to share Dimensional Fund Advisors' Advisor Byline 2014 Year in Review, now available from Dimensional's log-in site. The lead-in reinforces the importance of remaining globally diversified, of avoiding market-timing in response to near-term "winning" and "losing" asset classes, and to be in touch with you for assistance.

Larry Swedroe Book Foreword & Prospective Materials Intro Templates  

Created: December 7, 2014

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Description: This bundle of two pieces provides a 1,100-word foreword for use when ordering custom-foreword versions of Larry Swedroe's book, "Think, Act and Invest Like Warren Buffett." It also includes a similarly themed, 500-word template for introducing general prospecting materials such as white papers, reprints, RFP responses and more -- for individual and institutional prospects.

October Q3 2014 Client Letter (CAPE ratio)  

Created: October 2, 2014

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Description: This 420-word client letter can be used as a cover letter to accompany your quarterly client reports or as a stand-alone communication. It presents recent media coverage of Shiller and Malkiel's assessments of the CAPE ratio and stock pricing, and why it remains prudent for clients to stick with their long-term globally diversified portfolio.

July Q2 2014 Client Letter (Wm Sharpe)  

Created: July 1, 2014

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Description: This 375-word client letter can be used as a cover letter to accompany your quarterly client reports or as a stand-alone communication. Based on a SensibleInvesting.tv interview with Nobel laureate William F. Sharpe, it reminds readers that, even as time, technology and terminology march on, some investment essentials remain as strong as ever. (Ties well with recent Evidence-Based Investment Insights series covering the benefits of diversification.)

Evidence-Based Investing vs. Indexing: Making a Good Thing Even Better  

Created: February 7, 2014

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Description: This 1,000-word article describes advantages of evidence-based investment management over index fund investing (i.e., investing as applied by Dimensional Fund Advisors and similar fund managers). It positions passive/index fund investing as a good improvement over active management, with evidence-based investing as an even better approach. It does not mention Dimensional or any other fund manager in particular, instead covering broad principles. Use this piece as a brochure or article to introduce your investment strategy to prospective clients or to review key benefits with existing clients.

Cover Intro for Dimensional 2013 Year in Review  

Created: January 29, 2014

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Description: Here's a 230-word letter or e-mail you can use to share Dimensional Fund Advisors' Advisor Byline 2013 Year in Review (assuming you are a Dimensional firm). There is a version directed to clients and another directed to prospective clients, encouraging them to read Dimensional's report and be in touch with you for follow-up. Both versions help remind the reader about the importance of adopting an evidence-based investment strategy.

January Q4 2013 Client Letter  

Created: January 5, 2014

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Description: This 350-word (one page) client letter can be used as a cover letter to accompany your quarterly client reports or as a stand-alone communication. It reminds clients that, in the context of great 2013 returns but an uncertain future, it's better to base one's decisions on the durable science of investing than on past performance or attempts to time the market.

Our Investment Strategy Overview  

Created: December 16, 2013

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Description: This 1,400-word article provides a clear overview of our passive/evidence-based investment strategy. It differentiates your investment approach from that taken by most financial providers, without getting overly technical. It emphasizes the benefits and importance of (1) having a strategy to begin with, (2) having the right kind of strategy, and (3) accompanying it with fiduciary advice. Use this piece as a brochure or article to introduce your investment strategy to prospective clients or to review key benefits with existing clients. It also could provide solid talking points for your investment strategy website page (although I wouldn't recommend using the entire piece as a website page -- it's too long for that).

Professor Fama’s Nobel Prize and You  

Created: October 14, 2013

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Description: This 570-word article celebrates Professor Eugene Fama's receipt of the 2013 Nobel Prize in Economics, and how Fama's work contributes to your clients' personal investment experiences. It also explains how you, as their advisor, add value by translating sometimes conflicting academic evidence (such as Fama’s/Shiller's respective work) into practical application toward achieving individual end goals. Use the piece as a direct client communication or modify/customize for wider use.

Think Twice Before Sinking Your Wealth Into an IPO  

Created: September 23, 2013

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Description: This 830-word article describes why investors should avoid investing in Initial Public Offerings (IPOs) such as Facebook or, more recently (as of Sept. 2013), Twitter's proposed IPO. The article provides evidence on three reasons an investor is best off avoiding purchasing IPOs (or individual stocks in general): (1) stock-picking is a poor strategy to begin with, compared to MPT-based portfolio construction (citing a 2012 Markowitz interview), (2) individual investors tend to fare poorly in the IPO zero-sum loss game, and (3) IPOs have a track record for underperformance.

The Art of Asset Location  

Created: June 17, 2013

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Description: Remind your clients of this important way you earn your advisory fees, by providing them with: (1) a working definition of asset location, (2) an empirical assessment of the value it can bring, (3) several reasons why it’s best to work with a professional advisor to implement the strategy, and (4) understanding on how and why most investors are missing out on effective asset location … because they’re not working with you!

Responding to Active Management News & Analysis  

Created: April 11, 2013

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Description: This 650-word piece can be used to respond to miscellaneous active calls to action related to popular market trends, gloomy forecasts or other current or ongoing events. It thanks the individual for sharing the news, and provides them with two guidelines for properly assessing it: (1) Consider the credibility of the source. (2) Even if the source is credible, consider the worth of the news in relation to your recommended, long-term, passively minded investment strategy.

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