June 2020

This is my list of meaningless expressions that are used by investment analysts when they are talking about the equities. But first, an acknowledgement — I find that I have either used, or accepted as meaningful almost all of them. Cunning investment rogues crowd much of the Stock Market, and they speak a strange and mystery-shrouded language.

There’s a X% Probability of Markets Rising

Generally speaking, X is equal to 50%. This is an extremely useful phrase for analysts who have no clue about what the markets are going to do (which is generally all of them, all the time) because it is guaranteed to be correct under all possible circumstances. If it does rise, then your 50% prediction is right. But if it falls or stays flat, then the other 50% comes into play and you are still right. You can actually set the percentage at 99 and still be always right.

The Easy Bucks have been Made

This can be used to sound intelligent and knowledgeable whenever the markets have gone up. However, it doesn’t mean much because it’s just a different way of saying that the markets have gone up. Your audience may think it implies that making money will be more difficult from now on. However, since you haven’t actually said anything about what is likely to happen in the future, you are in the clear no matter what happen.


Being a Financial Planner, I am naturally more in tune with the truthfulness or, should I say, the intentions of retirement advertising. It’s all about hitting the pain points. Not much fun, right? At least buying a new car or a house is fun. Yet sometimes the important things in life are not “fun”. Retirement planning is one of those things.

When you need a new car, you check out the rates at the credit union. If you need a mortgage you also check rates. In other words, you shop for the best rate before you shop for your car or your new home. When was the last time you said, “Hey Honey, we haven’t saved enough for retirement. Let’s go down to the credit union and meet with a financial advisor.”? Probably never. I wish people were as in tune with their retirement planning as they are with getting a new car or a new house.

To compound matters, the big financial companies, that can afford to advertise on TV like to make you succumb to what I call the Lump Sum Scare. You know, they tell you that you need a lump sum of several million dollars or you won’t be able to retire – ever! I know better. If you haven’t saved “enough” and that is a relative term. It’s as personal as your fingerprints, you can still retire, be they different terms than maybe you are thinking about right now.

Let’s look at 5 ways you can retire on your terms, even if you are starting late.


If after 10 seconds you didn’t notice the shark in the background, you probably need to train your ” adversity quotient ”.

It is the same when investing, you always get attracted to those ‘big’ returns.

Be careful of the lurking adversity.