facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause


Welcome to the Resource Blog! 

Here you will be able to find communications from the RIM team as well as helpful resources and articles.

Investing 3.0: Invest Like A Scientist Thumbnail

Investing 3.0: Invest Like A Scientist

I’ve coined the term Investing 3.0 for an approach to investing that is newer than the other two, and which I believe solves the problems inherent in both Investing 1.0 and Investing 2.0. Investing 3.0 is quantitative investing. It is also called rules-based investing, factor-based investing and evidence-based investing. Some have coined factor-based investing “smart beta” because it gives exposure to something other than the full market. It acknowledges the difficulty of using skill to find stocks that will outperform and instead relies on a basket of stocks to average out the performance of each. It reduces the cost and emotional pitfalls associated with using human research and management teams to select stocks. It also seeks to not only avoid the excesses of popular beliefs, but to systematically capitalize on these excesses. Investing 3.0 focuses on systems rather than opinions. It learns from behavioral finance theory where opportunities should exist and then analyzes data to test rules for capturing those opportunities. These rules are then followed mechanically, with the understanding that sometimes the crowd is right, but on average, the rules win. The cost of rules-based funds generally falls somewhere between those of index funds and actively managed funds.

Read More
ESG Investing - Good Bad or Indifferent? Thumbnail

ESG Investing - Good Bad or Indifferent?

ESG investing has two claims – first that it beneficially impacts the world through directing capital to where it will make a positive difference. Second is that by including an ESG framework in the investment process, investors will be rewarded with a better risk-adjusted financial return. We will examine these claims, one by one.

Read More
The Benefits of Working with a Registered Investment Advisor Thumbnail

The Benefits of Working with a Registered Investment Advisor

It is important to find an advisor that has the freedom and independence to find financial solutions that best fit your unique needs. Independent registered investment advisors (RIAs), one of the fastest growing segments in the industry, take the time to get to know you, to understand your personal and financial goals, and to build a relationship that is focused on helping you meet your investment objectives.

Read More
Roth IRA Conversions Thumbnail

Roth IRA Conversions

The Roth IRA Conversion is potentially one of the most powerful tax planning tools available. It allows taxpayers to choose when they want to realize income and pay taxes. Shifting your blend of funds to a better balance among taxable, tax-deferred and tax-free gives you more control over your taxes in the future. The Tax Cut and Jobs Act lowered tax rates through

Read More
Intelligent Investors Know That Artificial Intelligence (AI) is Unlikely to Produce Market-Beating Returns Thumbnail

Intelligent Investors Know That Artificial Intelligence (AI) is Unlikely to Produce Market-Beating Returns

This article serves as a warning to investors who seek to profit from the most recent target of speculative capital. It presents three reasons why the number of investors capable of generating above market returns by leveraging AI software is likely to be small. First, it explains why AI software is highly unlikely to outperform market averages. Second, it explains why, even if some AI software applications are capable of outperforming markets, the opportunity set is likely to be extremely small. Finally, it concludes by explaining why investing in AI companies, rather than a broadly diversified index fund, is unlikely to pay off for most investors. It should be noted, however, that this article does not deny that AI will likely create substantial changes in business practices and labor markets in the coming years. It simply argues that the opportunity to use AI software or invest in AI companies to generate above market returns is much more limited than is often assumed.

Read More