Insights on markets, emergent trends, history, innovation, risk management, global economics, strategy, policy, and other topics that catch our attention. Inspired by ongoing research, conversations and events. Written and edited by Osbon Capital Management and published every Thursday morning.

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2024 will bring more positive novel surprises. New years always do. In 2023, it was the dramatic acceleration in AI, which touches nearly every industry, and the early stages of an answer to the obesity epidemic with GLP-1s. Here is a list of what’s on our minds going into 2024.

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What’s My Investment Timeline?

Investing can be broken into three primary colors: rewards, risk and time. The connection between risk and reward is well known, but today we’re going to focus on the third component, time. Time has a big impact on what you can expect of your investments – probably more than you think. Let’s take a look at a series of investment timelines and what you can expect from each.

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What Are You Thankful For?

It’s a beautiful custom in many families to go around the Thanksgiving dinner table and name one thing we are thankful for. The hardest part is usually naming just one! With Thanksgiving here again, let’s take a minute to reflect on the financial version of this question – How does money make you thankful?

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The Week Ahead

Now that the presidential election is in the rearview mirror, it’s time to look forward and think ahead. What decisions, if any, should you consider in days and weeks that follow? By nature, personal and investment decisions are closely connected, so markets can provide some useful guidance. It’s OK to do a little personal projection. Let’s take a closer look at the post-election guideposts for investment decisions.

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Be Skeptical Of These Popular Investment Phrases

This week we are happy to offer you a healthy dose of skepticism. We see product pitches, commercials, term sheets that friends, prospects and clients send to us, and all kinds of twists on the same investment pitches. Some of these advertisements have some value; most are just storytelling. Here are some buzz words to watch out for.

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What You Get When You Are A Client

Perhaps you already have a robust and healthy investment advisory relationship. Perhaps you don’t and wonder how you could get one. In any case, it’s a good idea to reflect on and review what exactly you are getting from your advisor. Here are examples of what you should expect.

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Five Measures Of Investment Me

We often talk about treating your personal investments the way you would run a business. Knowing your cash flows, profits and losses, and balance sheet keeps Investment Me on track to hit the goals. If that sounds daunting, know that software makes this easier than ever. Once you have this set up (email me to find out how to do this) here are the 5 key metrics you can monitor monthly, quarterly or annually to make sure you investments match your goals.

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Election Proof Your Portfolio: 4 Steps

No matter who wins and who loses, on November 9th, tens of millions of voting Americans will wake up disappointed with the Presidential election result. And markets will react worldwide. In this most unpredictable election cycle, can you protect and insulate your portfolio without knowing the result ahead of time? You can, by taking these four steps.

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Feeling Investment Grumpy? It’s OK.

The popular press and social media are perfectly designed to tell us why we should be deeply scared about the future. Gloom and despair lurk around every corner. According to these folks we are not just talking about a wall of worry; there’s a Grand Canyon of disaster waiting for us just ahead. It’s easy to feel uneasy. If that’s where you are, you’re not alone. But it doesn’t have to be that way.

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Election Uncertainty: What’s It Mean For Me?

On Tuesday, November 8th we’ll finally know who the 45th President of the United States will be. What a campaign rollercoaster it’s been. It’s been so contentious and unpredictable, many investors are wondering what it means for their financial futures. Here are some things to consider as the last 40 days of the campaign unfold.

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