Martin Krikorian

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One of the most common, and arguably one of the most costly, mistakes made by many investors is making investment decisions based solely on past performance. Many investors assume that investments and asset classes that have earned above-average returns in one year will continue performing well the following year. As a result, they invest the […]
Time for a pop quiz. The following seven questions come from previous columns. The answers can be found at, under “Investment Quiz Answers.” 1. Under the new Secure Act, at what age does an individual need to begin taking required minimum distributions from a Roth IRA? a. 59 1/2 b. 70 1/2 c. 72 […]
When it comes to sports, there are debates between fans comparing great athletes: Larry Bird vs. Magic Johnson, Muhammad Ali vs. Joe Louis, Tom Brady vs. Joe Montana. (For the record my votes go to Bird, Louis and Brady.) And when it comes to investing, there have also been debates among individual investors and financial […]
If you hold bonds in your investment portfolio, you’ve likely noticed that they have experienced negative returns this year. As of April 29, the U.S. bond market (Barclays Aggregate Bond Index) has lost 3.3%, and the U.S. stock market (S&P 500 Index) has gained 12.9%. From 1928-2020, the U.S. stock market has earned an average […]
When it comes to investing, there are several types of risk. Those risks include inflation risk, market risk, political risk and interest-rate risk. When it comes to developing and managing an investment portfolio, two of the biggest risks are risk tolerance and risk capacity. Most investors are familiar with the concept of risk tolerance. Simply […]
One of the most common and significant mistakes people make when it comes to managing money during retirement is relying on “average returns.” Many individuals assume that if their portfolio earns an average return of 6% and they withdraw 5% of income in their first year of retirement and continue withdrawing the same dollar amount […]