At The Outset...
Managing your own money can feel overwhelming. You wonder where to invest, what financial products might help. There are so many options, options that can cause doubt and worry. You stand on a plateau, look out and realize that you could go any direction from here.
How does everyone else do it? How are they faring? Who do they turn to for guidance? That first step, that first commitment to a direction, can feel like the hardest part.
There Is a Lot To Think About
First, you need to know that the information you use to make investment decisions is free from conflicts of interest. That it comes from someone with years of experience and an independent point of view. It takes trust to let someone else manage your money, and the information sources you use to manage your own money are no different. Where can you find that trust?
And do you trust yourself? We often doubt we know enough. We don’t feel confident making our own decisions. Are my emotions in check? Will I know what to do in a time of crisis?
And with all of that over our heads, we wonder: do I even have enough time for all of this? In my busy schedule, can I find the necessary accurate information, study it, process it and act on it? And what if I have to act quickly, to respond to events that are happening NOW?
That’s a lot to carry around.
But we can share the load.
Money for the Rest of Us Plus is for those who choose to manage their own investments. It provides the tools to overcome these common investment challenges, filter through the clutter and make decisions. I know you don’t need a leader, because you are not a follower. But you may want a guide for your financial journey.
Money for the Rest of Us Plus is a waypoint. It is a meeting ground for those who have taken their investment journey into their own hands.
Here, we learn and we share. We find asset allocation resources and portfolio tools to plan our next steps. We monitor investment conditions and discuss what they mean. We see how others, including me, navigate the same investment and financial challenges you face. You’ll get your questions answered. You will become a better investor.
For close to two decades I advised and managed assets for institutions and financial planners. I perfected my teaching style as an investment consultant to numerous not-for-profit institutions, where I assisted the board and staff in overseeing billions of dollars in endowment assets.
I now use the investment insights and tools I learned and developed to help individuals save and invest for retirement.
But there are hundreds of members who joined Money for the Rest of Us Plus not because I’m here to tell them what to do, but in order to get access to the tools and resources I use to manage my own investment portfolio. I’m here with you.
Members learn from the portfolio decisions that I and other like-minded investors make, including our mistakes.
The confidence and peace of mind that you will have enough to retire and that your money will last comes from knowing where your money is and where it is going. It comes from educating yourself so you can confidently make your own investment decisions. It comes from controlling your emotions by having access to timely information like the Money For the Rest of Us Plus monthly investment conditions report. Money for the Rest of Us Plus has the tools and information you need to learn to manage your own money more effectively.
Members appreciate that they can get the critical information they need to make prudent investment choices without spending hour upon hour doing their own research. You can learn and stay up to date by listening to the weekly Plus Q&A episodes and the audio versions of the investment conditions report and mid month strategy updates as you commute or exercise.
So, what are real members, people like you, saying about Money for the Rest of Us Plus?
I was looking for exactly what Money For the Rest of Us Plus provides - a program to get smart guidance/data to fill the information gap so I can invest myself. - Plus member survey response
I joined Money For the Rest of Us Plus to gain access to a trusting community of people who share my goal of growing my wealth through diligent investment. - Plus member survey response
I like to have someone with the judgment that comes from experience keeping an eye on what's going on in the market, and I appreciate getting ideas about non-equity financial instruments. - Plus member survey response
The market conditions report is so good for me to keep the big picture in focus and not get twitchy about daily ups and down. - Plus member survey response
I lean on David's analysis and model portfolios to allocate my investments without getting too far in over my head. - Plus member survey response
[Money For the Rest of Us Plus] saves me so much time in researching things on my own, and you're experienced in doing it.
If I don't want to spend a lot of time, I can keep current with the investment conditions reports. If I want to invest more time, I can view the presentations on the website. I also know that I can email you directly with my questions. - Plus member survey response
How Money For the Rest of Us Plus Can Help You
Better Investment Performance
Use the Money For the Rest of Us Plus 7 step investment process that includes model portfolios, asset allocation tools and monthly investment conditions reports, to confidently set and adjust your portfolio allocation based on market conditions.
Answers To Your Money Questions
Get your questions on investing, retirement, and the economy answered during the weekly Money For the Rest of Us Plus member only podcast episode, through audio and video lessons and the member forums.
A Trusted Financial Mentor
Get asset allocation help, portfolio guidance and education from the steady voice of a mentor with close to two decades of professional investment experience.
3 Steps To Achieve Your Financial Goals
1. Set Your Plan
Use the Money For the Rest of Us Plus 7 step investment process to build a diversified portfolio plan and adapt it as market conditions change. The process starts with mastering some basic investment concepts and asset classes.
Additional tools to help you set your plan include:
- 10 year expected return and risk assumptions for 24 asset classes to help you understand reasonable long-term expected rates of return given current market conditions. Plus a downloadable spreadsheet using the Money For the Rest of Us Plus assumptions so you can customize your own asset allocation.
- Model portfolios with specific ETF and fund holdings and weights for investors with different risk and return objectives. Includes Conservative, Moderate and Aggressive portfolio options.
- Example ETFs and funds that can be used to implement your investment portfolio including detailed videos and ETFs to implement smart beta strategies, such as value and momentum.
2. Stay Up-To-Date
Use these resources to efficiently stay grounded in your investment decisions without becoming overwhelmed with market data, news and opinions:
- A Monthly Investment Conditions Report with audio commentary where overall market conditions and their subcomponents such as valuations, economic trends and the level of fear and greed in the market are rated RED, GREEN or YELLOW. This report can help keep your emotions in check and when necessary adapt your portfolio allocation as conditions change. Check out this sample investment conditions report.
- A mid month audio update to provide context for what is going on with markets and the economy so you can as one Plus member said, "Hold a steady course in the face of volatility and not make any rash moves."
- A detailed monthly snapshot of my own investment portfolio including my asset allocation weights and holdings.
3. Get Answers To Your Financial Questions
Get your financial questions answered by a trusted mentor via the weekly Money For the Rest of Us Plus member podcast, the member forums, and audio and video lessons. See how other members are dealing with the same financial issues you face.
What Money For the Rest of Us Plus Members Are Saying:
"David has changed the way I invest. Money For the Rest of Us Plus provides incredibly valuable monthly distillations of comprehensive data on market valuations, market internals and global economic indicators. This gives me the navigational perspective to make critical decisions. If you want to take control of your own investing, retirement planning and more, the podcast and Money For the Rest of Us Plus are fantastic resources." - David Rosenheim
"I do not have an investing background and so Money For the Rest of Us Plus has provided me with both the needed introductory and advanced information. The materials on the site somehow simplified investing (although, I do now realize how hard it can be.) Also, the customer support has been fantastic; David is so responsive to Plus members." - Sharon Trocher
"The main reason I continue with Plus membership is the monthly investment conditions reports. David does a great job of summarizing the key information and presenting it in a way that can be easily understood. Listening to his reports helps me to filter out a lot of the noise and conflicting opinions that you see in the media and helps me not to panic during temporary downturns!" - Deborah Hilton
"David's focus on ensuring Money For the Rest of Us Plus members understands potential investment risks speaks volumes on his desire to provide a service that is focused on the customer. His passion for helping us understand the markets and invest wisely is greatly appreciated." - Philip Cameron
"David's monthly investment conditions snapshots give me peace of mind and allows me to ignore all of the financial noise we are bombarded with on a daily basis." - Johnny Gabriele
"I find myself eagerly awaiting new Money For the Rest of Us Plus content." - Craig Roberts
"I enjoy the way David explains how markets and financial concepts work and how to apply common sense ideas to investing. David has a soothing style that interjects thought provoking ideas, concepts and entertaining stories on broader topics that intertwine with life and investing." - Max Wexler
"Your website design is fantastic and the information you are providing from all the resources gathered is really a boon to me." - Tom Whitaker
"I'm a new member of the Money For the Rest of Us Plus and love the service you are providing. It's an incredible value considering the amount of video & audio content." - Curt Bagley
A Mobile Optimized Investment Education Platform
Money For the Rest of Us Plus is mobile optimized with convenient access to audio content via leading podcast apps using a personalized RSS feed. Members get all Plus audio content as well as an early release each week of an ad-free version of the Money For the Rest of Us podcast. Plus members also get exclusive access to transcripts for podcast and Plus episodes.
Money For the Rest of Us App
Money For the Rest of Us Plus is also available on its own iOs and Android apps
Frequently Asked Questions
Q. What will I get with my Money For the Rest of Us Plus membership?
A. The best way to get a sense of what is included with your Money For the Rest of Us Plus membership is to watch this introductory video.
Q. Who is the target market?
A. Money For the Rest of Us Plus is geared toward individuals who manage their own investment portfolios with an online broker and/or as part of work-sponsored retirement plan. A typical member is between ages 25 and 65 and prefers to make their own investment decisions. They are portfolio and asset class focused and not interested in gimmicks or the latest hot stock picks. Members' portfolio sizes range from less than $100,000 to over $5 million. Money For the Rest of Us Plus is globally focused and has members that live in the U.S., Canada, Europe, Australia and other areas around the globe. Here is a demographic profile of Plus members.
Q. How often is new content added to Money For the Rest of Us Plus?
A. New content is added weekly. There is a new member only Plus podcast episode every week. Additional content added throughout the month includes the investment conditions report and audio commentary, mid month strategy update, portfolio profile with audio commentary, and additional video and audio lessons as needed. Model portfolios are monitored and updated on an ongoing basis. The long-term asset allocation assumptions are updated quarterly.
Q. How much content is currently on the Money For the Rest of Us Plus?
A. Money For the Rest of Us Plus opened in December 2014. Currently, there are over 150 audio lessons, video tutorials and Plus episodes along with model portfolios, asset class return assumptions, monthly investment condition reports and portfolio profiles. Upon joining Money For the Rest of Us Plus, new members receive an email series that serves as a tutorial to how the site is organized and highlights important content.
Q. Can I listen to the Plus episodes and and other audio content on my mobile device or in my car while commuting?
A. Yes. Money For the Rest of Us Plus is optimized for mobile devices as more than 50% of members access content via their mobile phones or tablets. There is a member-only RSS feed for all audio content including the ad-free version of the regular podcast. There is also a Money for the Rest of Us Plus mobile app for iOs and Android.
Q. Does Money For the Rest of Us Plus contain model portfolios for individuals with different goals, life stages and risk profiles?
A. Yes. The site contains model portfolios with specific ETF fund holdings and weights for Conservative, Moderate and Aggressive risk profiles. Please note the model portfolios contain ETFs available to U.S. investors. The site also contains an asset allocation modeling spreadsheet so you an compare different asset allocation scenarios to evaluate their expected rates of return and risk of capital loss. Members can also download a spreadsheet to customize their own asset allocation using up to 24 asset classes.
Money For the Rest of Us Plus also contains specific examples of ETFs and mutual funds that can be used to implement different portfolio allocations.
Q. How do you decide what content to add to Money For the Rest of Us Plus?
A. Most of the content is based on member feedback and questions. This is your platform so my goal is to focus on adding content you find most helpful.
Q. Will I be able to see all your investment holdings?
A. No. But you will be able to see most of them. Some of my holdings are experiments so I wouldn't be comfortable knowing others are following my investment moves exactly. I share my overall asset allocation percentages, the allocation percentages of my liquid portfolio, the regional allocation of my stock portfolio, my top 10 to 15 equity holdings and all of my bond holdings. I detail portfolio changes including my decision process as as part of my effort to help you to make better investment decisions.
Q. Why does membership cost $250 per year?
A. Because I want to make my investment help affordable to you. The annual fees that I charged clients at my prior firm started at $50,000. My goal is to deliver way more value to you than what you pay. To put it in perspective, an annual subscription to Money For the Rest of Us Plus costs less than one credit hour at most U.S. 4-year colleges, which ranges from $230 to $1,150 according to the College Board.
Q. What are your cancellation and refund policies?
A. You can cancel your annual subscription anytime. You can also get a full refund if you cancel in the first 30-days by emailing me. No refunds are given after the first 30 days. You can cancel your monthly membership at anytime.
Money For the Rest of Us Plus Is Currently Closed For New Member Enrollment
Membership to Money For the Rest of Us Plus is limited in order to ensure the best experience for all members. Plus Membership will reopen for new members in Fall 2018
The Information and opinions contained Money For the Rest of Us are for educational purposes only. The Information does not consider the economic status or risk profile of any specific person.
The Information and opinions expressed should not be construed as investment/trading advice or investment recommendations and does not constitute an offer, or an invitation to make an offer, to buy and sell securities.
The Information and opinions contained on Money For the Rest of Us is for investment education and considered general communications in the form of an online financial newsletter / broadcast video and audio shown to the general public.
The model asset allocations and model portfolios on the site are hypothetical examples and not investment recommendations. Individuals who are considering applying the model asset allocations and model portfolios to their individual situations should consider their other assets, income and investments such as home equity, individual retirement plan assets, savings accounts, and interest in other qualified and non-qualified plans.
The Information on Money For the Rest of Us was obtained from various sources. Darby Creek Advisors LLC does not guarantee the accuracy or completeness of such Information provided by third parties.
Money For the Rest of Us and Darby Creek Advisors LLC assume no obligation to update this Information, or to advise on further developments relating to it.
Any return expectations provided for individual asset categories, model asset allocations or model portfolio are not intended as, and must not be regarded as, a representation, warranty or predication that an investment will achieve any particular rate of return over any particular time-period or those investors will not incur losses.