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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State Street: Change is here, now

Local biggie State Street (STT) held its annual RIA Symposium last week, a must-be-there event for the industry. With $28 trillion (!) of assets in custody and $2.5 trillion under management, our One Lincoln Street neighbor is uniquely positioned to comment on what’s happening right now in money management. What I heard was good news for investors and confirmation of key principles we hold at Osbon Capital. Here are four takeaways:

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The Future of Advice

Vanguard was in town last week for a confab at the Langham Hotel. The discussion covered many topics but by far the most compelling subject was The Future of Advice. What did Vanguard say?

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Sell in May and Go Away: Mythbusters Edition

We’re talking about ye olde investor adage to sell out of your positions on the 1st of May and buy back on the 1st of November. The idea is to avoid losses during the supposed summer lull. That’s the intention. But remember Yogi Berra used to say: “The road to hell is paved with good intentions.” Was he right?

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Breakfast With Maura Healey, Massachusetts Attorney General

We occasionally write about important non-financial events in the public interest, like this one last week.

Thanks to PR industry leader Geri Denterlein for hosting our energetic attorney general for the Commonwealth, Maura Healey, at last week’s “In The News” breakfast series at the BC Club. An Osbon Capital client who is associated with Denterlein’s agency was kind enough to invite us and we were eager to hear what the chief law enforcer in Massachusetts law had to say.

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Which Investment Shortcut Are You?

This is another in an occasional series of no shame, no blame articles about investor behavior. Most of us take some shortcuts in making big decisions, including investments. For instance, do you enjoy doing all of the research but tend to bog down at the decision phase? Or do you make gut decisions despite the nagging feeling that you probably should have done more research? You are not alone. Fortunately, simple awareness can help you overcome your tendencies. Here’s our list of investment shortcuts:

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A Win For The Good Guys

The good guys are you. This win comes courtesy of the US Department of Labor (DOL) who made it official last week. Anyone advising individuals on their retirement accounts must “act like a fiduciary.” What does that mean? Fiduciary is the highest standard in investment management. It means you must put the interests of the person you represent first in all situations. Sounds obvious, but it hasn’t been. We’ve embraced the fiduciary standard since Day One of Osbon Capital in 2005. Many firms can operate without it. This DOL ruling is a big step forward. Here’s why.

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Suppress My Taxes. Please!

April 15th is coming again this year, right on schedule but not necessarily welcomed. How can you take some of the dread out of Tax Day? Here are some ways to improve the tax picture for the investment side of your ledger. They’re simple, but not always easy to execute properly. Read on…

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Does Your Behavior Pay You?

If you were offered tens of thousands of dollars for being patient, bored or nerdy, would you take it? It turns out the financial markets will pay you handsomely for certain rather unspectacular behaviors. But you’ll be charged significant penalties for other behaviors and attitudes, such as FOMO (Fear of Missing Out). It’s up to you – pay or penalty. Which will it be?

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The 7 C’s of My Money Strategy

Spring cleaning is here, taxes are coming due, the seasons are finally changing. Now is as good a time as any to dive in and review your strategy. Remember the adage, “proper planning prevents poor performance”? Here are seven C’s I use that will help you prepare for the good performance.

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