by Brian Jacobs | Oct 23, 2026 | Blog, Investment Concepts
Mutual fund shareholders who stay are paying for the ones who left. You don’t have to. Distribution season came early and came in heavy. By mid-October, 284 funds were already estimating payouts above 10% of NAV, with most fund firms still to report. The money...
by Brian Jacobs | Aug 18, 2026 | Blog, Investment Concepts
Back in 1900, you didn’t take a great family picture so much as you had one painted. John Singer Sargent, a successful portrait painter at the time, charged ~$5,000 a portrait at a time when the average American earned about $450 a year. The fee bought months of...
by Brian Jacobs | Jul 1, 2026 | Blog, Investment Concepts
You don’t earn your gross salary. The number on the offer letter and the number in your bank account are two different figures, and everyone understands the gap. Withholding comes out first. But the subtler trap comes when you receive a small raise. Picture a 3% bump...
by Aptus PM Team | Aug 29, 2025 | Process Papers
Investors love to talk about performance. Advisors love to show charts. But the number that matters most is the return clients actually capture, both pre-tax and after-tax, while still protecting against inflation and market drawdowns. Traditional portfolios often...
by Brian Jacobs | Aug 20, 2025 | Blog, Investment Concepts
If you’re on any form of social media, you’re probably seeing headlines about funds boasting “30 percent yields” and retail investors rushing in. There are even Reddit communities where people claim they can “borrow at 10 percent and pocket the spread” or use these...
