About Me

Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., a $94B RIA based in Fairfield, IA. I am also registered with Cambridge Investment Research, Inc., a broker-dealer with over 3,000 Registered Representatives nationwide.

Diversification

Diversification the proverbial not putting all your eggs in one basket and is the hallmark of portfolio construction and design.

Diversification and Rebalancing: A Retirement Saver’s Best Friend

By: Tim Hayes Financial Advisor - posted in: Investment Advisor - Last updated Nov 13, 2018

Diversification is the proverbial don’t put all your eggs in one basket. So within an asset class like bonds, a diversified investor owns treasury bonds, corporate bonds, high-yield bonds, and international bonds, benefiting from the fluctuations from year to year in returns.

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Diversification and Rebalancing: A Retirement Saver’s Best Friend

Managing Your Money: Active vs Passive Investing

By: Tim Hayes Financial Advisor - posted in: Investment Advisor - Last updated Nov 18, 2018

With index investing, investors buy a basket of stocks or bonds. (Investors cannot directly invest in an index.) The most popular index is probably Standard & Poor’s 500 (S&P 500), which tracks the 500 largest companies on the NYSE or NASDAQ and is a staple in the menu of investment choices that many of you have in your 401(k)-plan.

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Managing Your Money: Active vs Passive Investing

How Much of Your Portfolio Should Be Invested Overseas Stocks and Bonds

By: Tim Hayes Financial Advisor - posted in: Investment Advisor - Last updated Nov 18, 2018

Because different countries have different currencies, overseas travel is usually more complicated than domestic travel. Likewise, overseas investing is more complex than domestic investing. However, just as foreign travel adds diversity to your travel experiences, so foreign assets add diversification to your portfolio.

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How Much of Your Portfolio Should Be Invested Overseas Stocks and Bonds

Investing in an Overpriced Stock Market

By: Tim Hayes Financial Advisor - posted in: Investment Advisor - Last updated Nov 18, 2018

The U.S. stock market has come a long way from its Great Recession low. That low, at which the S&P 500 bottomed out at 666 on March 9, 2009, is what has been called “the Haines’ bottom,” named after legendary CNBC anchor Mark Haines.

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Investing in an Overpriced Stock Market

Don’t Overreact to Skyrocketing Consumer Confidence

By: Tim Hayes Financial Advisor - posted in: Economy, Markets, and Interest Rates - Last updated Nov 18, 2018

The last time consumer confidence got as high as it was this March was in December 2000, during the tail-end of the dot-com boom. Back then, though, it took only three months from that great reading for the U.S. to enter a recession.

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