David Jones

 Head of Financial Advisor Services, EMEA

and Vice President

Dimensional Fund Advisors Ltd.

As much as I value the unfettered access to information the internet provides, I recognize the potential harm that too much information can cause.

Take, for example, a friend of mine, who was experiencing some troubling medical symptoms. Typing her symptoms into a search engine led to an evening of research

and mounting consternat...

May 7, 2019

At some point you may turn to a financial professional for help, particularly if you're trying to achieve different goals like planning for retirement, buying a home, and financing your children's education.

Finding the right financial professional is one of the most important relationships you will have and one you shouldn't impulsively jump into. The Texas State Securities Board's updated guide, Choosing A Financial Professio...

April 13, 2019

Signs of a change in investor psychology flashed brighter, as stock indexes on Friday edged closer to all-highs of September 2018.

This past week's cover of Barron's, a financial magazine, said the 10-year old market could go on for years, and Friday's headlines were similarly ebullient.

The S&P 500's* 50-day moving average crossed above its 200-day moving average, forming a "golden cross," which market technicians believe is a...

March 9, 2019

U.S. jobs data triggered fearful headlines on Friday. It's a cautionary tale of how misperceptions spread in an instant and cause mass confusion about money matters.

From The New York Times to specialized news outlets, like The Street, headlines were uniformly grim after the jobs data was released by the government on Friday morning.

The bad report showing that just 20,000 jobs were added by the economy in February was...

January 26, 2019

Fears of a recession loomed larger last week after the chairman of the President's Council of Economic Advisors, Kevin Hassett, doubled his estimate of the damage the U.S. economy will suffer from the partial shutdown of the federal government.

Mr. Hassett was widely quoted across the media as saying that the First-quarter of the economic growth could stall to zero. On Friday, the shutdown uncertainty was resolved, at least for...

January 5, 2019

Capital gains are a good problem but a tax problem nonetheless. An excellent new way to defer paying tax on a capital gain is by investing in an area designated by Uncle Sam as an Opportunity Zone (OZ).

When you invest in a business or real estate project in an "OZ," capital gains taxes on selling stocks, a business, or any other investment can be deferred. You put pre-tax dollars to work in an OZ, which delays the capital gain...

December 22, 2018

The plunge in stock prices means it is time to earn the equity risk premium. Here is a reminder of this critical fundamental financial concept of investing.

The risk premium is what you get paid for owning a risky asset.

A rubric of modern portfolio theory, taught at all major colleges and universities, holds that investors get paid extra returns annually for taking risks.

Here are the numbers to quantify the equity risk premium:...

August 25, 2018

Legendary singer, Aretha Franklin succumbed to pancreatic cancer at the age of 76 on August 16, 2018, and she was accorded funeral rites usually reserved for heads of state. But the diva who famously demanded respect, sadly, died without a will.

Her estate is subject to probate, and a long-drawn-out public legal proceeding to hear claims by her four children and other relatives—an undignified end for music royalty.

While Ms. Fra...

August 4, 2018

1. If you have a child or grandchild, for the first time, you can now pay tuition for kindergarten through 12th grade at private, public or religious schools with money saved in tax-advantaged 529 college savings accounts.

2. Thanks to the Tax Cuts And Jobs Act (TCJA), you now can draw up to $10,000 tax-free per student from a 529 plan, which is a tax-advantaged program sponsored by states, state agencies, and educational insti...

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