Library

Good Reads

Tony Robbins: Money - Master the Game

This book is an excellent resource for everyone who wants to learn more about personal finance. We see it as the ultimate guide on how taking control of your finances can improve your life in multiple ways. However, with over 600 pages, the book is certainly not a quick read.
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Investment Services

Our Wealth Management Services

Wealth management is much more than selecting an asset allocation and achieving high returns. In this post, we introduce some simple investment themes, and illustrate how Bertram Solutions wealth management services can add value.
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Financial Planning with the Model-Family

In this post, we show the process of a simple financial planning session step-by-step. We outline which data we collect and how we use this data to model your family’s financial future. Further, we explain how financial planning software can pinpoint shortcomings and help in resolving these.
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Asset Classes

Investing in Stocks

When thinking about investments, the stock market is at the top of most people’s minds. In this post, we explore the most important aspects of stock investments.
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Investing in Bonds

When thinking about safe assets for retirement, bonds are often the first topic that comes up. But this is not their only application. In this post, we explore the most important aspects of investing in bonds.
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Investing in Real Estate

Many clients view real estate as an investment with stable returns, yet moderate risk. In this post, we take a closer look at real estate as a portfolio component.
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Is Gold a Good Hedge?

Clients often ask us about gold as a hedge against inflation, recession, and financial stress. In this post, we shed some light on this question.
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Option Strategies Explained

Options are commonly associated with high-risk investment strategies. In this post, we briefly explain simple option strategies and how they can reduce risk and add value to your portfolio.
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Investment Topics

Beating the Market: The Hare and the Tortoise

The Tortoise and the Hare is one of our favorite fables, telling the story of a race between unequal partners. Investors often describe their goal of beating the market. But much like in the fable, the race is not always to the swift. Instead, investing is a long-term game.
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Tax Implications of Investments

The main goal for our investments is, to appreciate over time. It comes as no surprise, that taxes are owed on this appreciation. And yet, the tax consequences of investments are often ignored. In this post, we will briefly explain the basics.
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Looming Recession? Economy vs. Stock Market

Right now, we hear about a looming recession almost every day, while the stock market continues to soar. This raises the question how economy and stock market are related, and how we can use this relationship to protect our portfolios from undue risk.
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How Volatility Affects Your Retirement

Retirement is one of the most important financial goals in our life. And yet, it is often unclear how our retirement plans are affected by investment decisions. In this post, we want to shed some light on the effect of volatility on retirement.
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Rising Yields: The Future of Stock/ Bond Portfolios

For almost 40 years, stock/ bond portfolios have been front and center thanks to their simple construction, their balanced risk profile, and their low taxation. Eventually, the tide will shift, and the era of falling yields come to an end. How will these portfolios hold up moving forward?
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Extending the History of Instruments

At Bertram Solutions, we believe in a data-driven approach to investing. Unfortunately, some instruments have not been around long enough to allow simulations covering a wide range of economic situations. In this post, we show how we extend the history of instruments to include those past periods.
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An active 60/40 portfolio

In the previous post we looked at 60/40 portfolios, and their characteristics. While we have been able to improve performance, and reduce volatility, the portfolio still suffered from deep drawdowns. In this post, we will show how these drawbacks can be addressed with the addition of an active component.
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Variations on 60/40 portfolios

In the previous article we looked at the characteristics of common asset classes. An often recommended portfolio, is the so-called 60/40 allocation, created from 60% large-cap U.S. stocks, and 40% U.S. bonds. In this article, we will show how these portfolios are constructed, and what we can expect from them.
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Building blocks of a trading algorithm

tIn a previous post, we looked at the building blocks of a trading system. In this post, we focus on the core of the trading application, the algorithm. This algorithm defines our trading strategy, and is created from several modules.bd
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The ceiling of stock returns

A question investors often wonder about, is how much money one can make with an investment in stocks, and active portfolio management. While there is no general answer to this question, we will still attempt to provide some guidance here.
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