25–21
51. Marla holds her portfolio 100% in U.S. securities. She tells you that she believes foreign
investing can be extremely hazardous to her portfolio. She’s not sure about the details, but has
“heard some things”. Discuss this idea with Marla by listing three objections you have heard
from your clients who have similar fears. Explain each of the objections is subject to faulty
reasoning.
A few of the factors students may mention are
– Client: “The U.S. markets have done extremely well in the past few years, so I should stay
100% invested in them.” Your Reply: You can explain that there are other times when foreign
markets have beat the U.S. substantially in performance. You can’t tell easily beforehand what
markets will do the best. It is important to consider that there are many times when countries’
markets move in different directions and you can buffer your risk to some extent by investing
globally.
– Client: “You should keep your money at home.” Your Reply: Don’t confuse familiarity with
good portfolio management. Even though there is a lot of information available on U.S.
companies, it can be difficult to use the information to make good forecasts. Most
professional managers aren’t even good at this.
Difficulty: Moderate