Summary Treasury floating rate bonds are an attractive option for short-term investments to maximize return and minimize risk. Interest earned on treasuries is generally exempt of state and local taxes. Benefits of Treasury floating rate bonds in high-tax states such as California are even greater. Bonds with floating coupon rates are […]

Summary It’s popular to pick your own dividend-paying stocks, but consider the tax effects of rebalancing outside an ETF. If you do the same rebalancing in an ETF structure, the “in kind” transfers wipe out those taxes. We ran a simulation of WisdomTree’s DGRW ETF to show the HUGE difference this […]

1.  Learn to distinguish risk from volatility    What do we do when the Big Bad Bear growls? Do nothing because risk, as we define it, is the possibility of permanent loss of capital – while volatility is the successive over-valuation and under-valuation that the market places on your fractional interests […]

Tax-efficiency is at the heart of the RVW IntelliBETA® Wealth Management System. Our portfolios typically generate minimal tax cost, allowing the assets to compound in a tax-advantaged environment. And when they are liquidated, it’s usually at the (lower) long term capital gains rate. Strategic ETF based investing is not only superior to most […]