John Kinsellagh - Freelance writer, former financial advisor, attorney

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nDash Writer Profile for John Kinsellagh

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About Me

John Kinsellagh's Portfolio

I am a versatile communications professional and financial writer, with comprehensive experience in the financial services industry. As a former financial advisor, I bring real-world experience to my analysis of the financial/investment markets. My focus is on financial markets, legal and regulatory issues that impact the investment community and personal finance.

I strive to attain clarity of thought and expression when crafting client-specific messaging. This desire to achieve communications excellence insures that content is appropriate and enhances the client’s vision and mission, whether that entails explaining the benefits of mutual funds, demystifying the complexities of the investment world and the multitude of investment vehicles available, or the likely direction of the stock market.

I have written extensively on various topics including ETF’s, active vs. passive fund management; the direction of the yield curve and its impact on the market; explaining the inverse bond/equity relationship; analysis of individual stocks as well as industry sectors and whether markets and/or individual issues are over or undervalued and the uncertainty of predicting monetary policy of the federal reserve.

I completed the Boston Security Analysts’ Society course on "Investment Analysis and Portfolio Management.” I have served as an arbitrator for FINRA for over twenty-five years, resolving disputes within the financial services industry. I have extensive experience and knowledge concerning the legal and regulatory issues that impact the investment community.

My pertinent legal and investment advisory experience equips me with an unparalleled and unique perspective for addressing the specific communication needs of companies within the financial services industry.

Contact: jkinsellagh@icloud.com

Industries I Write About

Finance

My Writing Samples

Ben Graham, Seth Klarman and WeWork Madness

Is Procter & Gamble Worth Its Premium Price?

The company’s current much-touted pricing power is evanescent and will diminish as competition increases and the staples sector continues to experience profound change

Investors Exit Stock Funds

Advanced Micro Devices Continues to Surge

Seth Klarman on 'Born Bulls', the 'Speculative Froth' and Dot-Com 2.0

As with bull markets of yore, valuations of favored stocks eventually become untethered to reality

Why WeWork Won’t Work

Latest entry into the IPO pipeline may be a bridge too far, even for 'tech-hungry' investors

Yield-Hungry Investors Should Consider Preferred Stocks

As yields in the US market continue to drop, income-oriented investors will need to be creative

This Small-Cap Fund Manager Has the Golden Touch

The Many Advantages of a Solo 401(k)

Software Stocks as a Defensive Tech Sector Play

Software companies have better resilience than hardware companies due to scalability, no supply chains and immunity from tariffs

Need Retirement Income? Consider Inflation-Indexed Savings Bonds

Opinion: Can’t Wait For Blazing 5G Internet? Don’t Hold Your Breath

What Happens if Corporate Profit Margins Start to Decline?

The Enduring Principles of Graham and Dodd

Why it's always wise to revisit the sound principles enumerated in 'Security Analysis,' regardless of the evanescent investment climate du jour

Lessons From the Lyft IPO

The Stock Market is Dangerously Fragile

Despite recouping from last October’s selloff losses, market’s stability too closely tied to ephemeral and ever-changing events

Opinion: Slim Chances of Approval For Facebook’s New Cryptocurrency

Is Kellogg Now a Worthy Value Play?

Stock is selling significantly below its peers in the staples sector, making it worthy of consideration

Howard Marks on the Necessity of Questioning Our Assumptions

Alphabet’s Costs Overshadow Robust Revenue Growth

Want Dividend Growth? Check These Health Care Stocks

Market Not Prepared For Protracted Trade Dispute With China

Investors have been laboring under a dangerous illusion about the prospects for a trade deal

Does an Inverted Yield Curve Always Precede a Recession?

Investors should note an inversion does not necessarily indicate a recession is imminent

2 Data Warehouse Stocks Poised for Growth

Corporations will continue to migrate to the cloud, and data centers are uniquely positioned to profit from this trend

Can Shifting To A Services Business Model Help Apple Rebound?

Apple will need to develop a subscription services model that can supplant lost revenue from declining iPhone sales.

Market Volatility Heralds a Return to Normalcy

A decade of low interest rates, an inverse bond-equity relationship and a rising market badly skewed the risk-reward paradigm. For investors, the good times are over

Are Traditional Valuations of Facebook Reasonable?

Facebook cannot sustain its enviable operating margins given the impending regulatory scrutiny.

Challenges That Lie Ahead for Tech Stocks

Although it helped propel the market for much of 2018, tech stocks are not immune from the recent market volatility.

Despite Market Volatility, Virtus Small-Cap Growth Fund Posts Impressive 12-Month Gains

S&P 500 Companies Spent $646 Billion on Share Repurchases Last Year

S&P 500 companies slated to increase share buybacks approximately12 % above record 2018 levels

Consumer Staples Stocks: Is the Stability Strategy Game Changing?

Vanishing brand loyalty, changing consumer shopping habits and tepid earnings growth all indicate the defensive consumer staples strategy will need to be revisited

Fidelity v. Morgan Stanley, FINRA #11-03937

Yield Curve Beginning to Flatten: Will Recession Inevitably Follow?

Beginner's Guide to Roth IRA's

A Description of the rules governing IRA accounts, the tax advantages and comparison with other retirement savings vehicles.

What is a Senior Security?

Volatile and Overpriced US Markets Prompt Some Investors to Look Overseas

As the long bull market peters out and the new climate of volatility takes hold, some investors look overseas for better value

Chinese Tech Stocks Starting to Falter

Quick Guide to Certificate of Deposit Rollovers

Advantages and Disadvantages of rolling over CD's. Interest Rate Curve and timing of rollovers. Federal Reserve policy impact on movement of interest rates. Alternative investment strategies that could enhance an investor's yield or rate of return.

What is Securities Litigation?

There's More That Ails the Market Than a Potential Trade War With China

Although many are quick to blame the recent market instability on heightened fears about a trade war, other factors are responsible for the volatility

What is a Registered Security?

As the Yield Curve Begins to Flatten, Investors Flock to Short-Term Bond Funds

Now that short-term rates have hit the historically significant 2% mark, investors are responding to the favorable conditions by infusing cash into short-term bond funds

Corporate Bonds No Longer the Safe Haven They Once Were

The first quarter of the new year ushered in a period of unexpected market volatility, severing the long-term and advantageous bond/stock relationship

Robo-PIMCO? Coping With Life After Bill Gross

The era of the decision-making management monarch is over as the firm adopts new technology to lower costs and to meet growing competition from ETFs

Tax Repatriation of Foreign Earnings: How Will Corporations Spend Billions in Cash Savings?

Now that hundreds of billions in cash will be flowing back to the coffers of US corporations, how will the money be spent? Dividends? Share buybacks? M&A activity?

Small Cap Stocks are Back in Vogue

Dramatically lower valuations for many companies in the sector present cheap buying opportunities

What Goes Up Must Come Down? Can SoftBank's Vision Fund Continue to Defy Gravity?

Are past returns indicative of future results? SoftBank's Vision Fund puts this maxim to the test

How Will European Privacy Laws Impact Google and Facebook’s Bottom Lines?

Europe's GDPR becomes effective May 25. What impact will the comprehensive privacy regulations ultimately have on the tech giants' business models?

Australian Startup Aims to Challenge Google’s Business Model

Will Unlockd prevail in its UK anti-competition suit against Google? Case bears watching, as it may foretell trouble for the tech giants

Small Caps Surge as Russell 2000 Hits New Highs

Increased consumer spending, a robust domestic economy and a slowdown in the global economy favors smaller companies over multinationals

De-FANGed: Should Facebook Remain a Part of the Group?

After the privacy abuse scandal, the views among fund managers concerning Facebook's future prospects are markedly different

Will Active Fund Managers Perform Better in the New Market Environment?

For the past decade, everyone was making money in the market. Recent market volatility signals the good times are over. Can stock pickers now beat their benchmarks?

What Has Awoken Small Caps From Their Relative Performance Slumber?

One cannot overestimate how beneficial a more salutary regulatory environment and tax changes have had for the bottom line of the Russell 2000 companies

Retailers Fight Back Against the Amazon Goliath

Can Entry Into the Cloud Computing Market Make Microsoft a $1 Trillion Company?

The company's continued fortunes will increasingly be tied to its ability to compete successfully in this burgeoning and lucrative market

New US Shale Oil Drilling Efficiencies Will Help Stabilize Worldwide Price of Crude

OPEC's ability to control production increasingly ineffective due to continuing efficiencies in US shale oil drilling techniques

Amazon Seeks to Replicate Success of Its Online Retail Business in Its Cloud Services Offerings

Company is using the same business model to achieve dominance in the corporate online software business, but some claim its practices unfairly restrain competition

What Could Possibly Go Wrong? Heavy Hand of Chinese Communist Party Closely Monitors Domestic Stock

In an effort to maintain stability in markets, frequent and unexpected government interference could ultimately result in foreign investors shunning Chinese equities

AT&T’s $49 Billion Direct TV Bust

3 Active Funds for the Defensive Investor

15-year track record provides a more meaningful measure of risk-adjusted returns under varied market conditions

Can J.C. Penney Steer Clear of the Iceberg?

Negative fourth-quarter comps indicate the retailer is running out of time and needs a rapid course correction to survive

Apple Still Has a Long Way to Go

Despite the market being somewhat forgiving in light of the company’s first-quarter results, its services business can’t supplant lost iPhone revenue

IBM Bets the Farm on the Cloud

The purchase of Red Hat was part of strategic initiative to branch out into the lucrative and burgeoning cloud computing services sector

Can Netflix Fix Its Free Cash Flow Problem?

Many analysts mistakenly believe unimpeded new subscriber growth alone will eliminate Netflix’s negative cash flow

Alphabet’s Costs Overshadow Robust Revenue Growth

Founders Intend to Retain Control in New Tech IPOs

Ceding voting control in perpetuity to founders in tech startups could come back to haunt initially exuberant investors

Video Gaming Shifts to the Cloud

Google’s new cloud gaming business seeks to capitalize on the enormous market potential for streaming game subscription services

What Will Lyft Be Trading at 3 Years From Now?

Lumentum Moves Beyond Apple

Target and Kohl’s Adaptation Strategy Bears Fruit

Two brick-and-mortar companies are operating successfully in a Darwinian retail world

Rollout of Apple’s Video Subscription Service Underwhelms

No surprises at product announcement event. For investors, many questions remain unanswered

A Tale of 2 Staples

he diverging fortunes of Clorox and Procter & Gamble reflect continuing tumult in the consumer staples sector

Seth Klarman on the Pitfalls of Predicting Future Growth

Baupost chairman has never strayed from the guiding principles of Graham and Dodd

A Tale of Two IPOs

Are Investors Souring on Netflix?

Reports of its demise are based on unrealistic, Mickey Mouse projections for Disney

Many Reports On U.S Trade Dispute With China Are Misleading

Reporters often downplay China’s aggressive efforts at stealing U.S. trade and military secrets

Analysis: Why Stock Market Volatility Is Here to Stay (Blame Trump?)

Will Bonds Ever Again Pay Sustainable Income?

Opinion: What The Federal Reserve Does No Longer Matters

Analysis: Is Tesla Doomed to Lose Money Forever?

Warren Buffett Learned Everything He Knows from This One Book

Analysis: How Long Can the Record Bull Market for Stocks Hold On?

Big Changes to Your Retirement Plans: The Good, Bad, and Ugly

Contemplated changes by Congress will have big impact on qualified retirement plans

US-China Trade Dispute: Investors Keep Wishing on a Star

There has been no factual basis for the long-held expectation the two countries will ultimately reach an accord

Microsoft Continues Reaching for the Cloud - finance.yahoo.com

S&P 500 Companies Spent $646 Billion on Share Repurchases ...

IPO Market Spawning Far Too Many 'Tech' Stocks

A successful launch doesn’t magically transform companies with banal, easily replicated business models into industry disruptors

Applied Materials: A Potential Value Play?

Though semiconductor demand is currently depressed, Applied is tooling up to respond to coming demand for new chip architecture

Howard Marks: How to Assess Risk in a Bull Market

Many investors in today’s market environment fail to recognize genuine risk factors that, if ignored, could prove costly

Are Credit Reporting Agencies Doling Out Undeserved Bond Ratings?

Current ratings process resembles the conflict of interest problems that plagued the Enron era

Procter & Gamble Posts Robust 4th-Quarter Results

Strong consumer spending helped support company's margin-boosting price increases across all its major brands

2-Tier Retail Sector Continues to Evolve

Survival of the fittest retail environment provides stark contrast among department store chains

Jamie Dimon Throws Milton Friedman Under the Bus

Business Roundtable questions whether corporations should serve shareholders' interests exclusively

A Few Principles From Charlie Munger for Investing Wisely

Following these basic precepts will help value investors maintain their margin of safety

State Attorneys General Square Off Against Facebook

Should investors view this as a political Keystone Cops episode, or is there real cause for concern?

Are Diversification Features for ETFs Illusory?

Mohnish Pabrai on the Importance of Downside Protection

Opportunities can arise only when an investor first establishes a margin of safety that sufficiently assesses potential risk

Taiwan Semiconductor Outshines the Competition

Company continues to innovate with cutting-edge new chip offerings and a commanding lead in production capacity

Fault Lines Appearing in Lower-Rated Corporate Bond Market

Are Netflix’s Best Days Behind It?

The streaming giant may be at risk of being dethroned as Disney, AT&T and Apple roll out their own content

Alphabet's Costs Overshadow Robust Revenue Growth

Howard Marks on Volatility, Investment Risk and Outcomes

Many investors fail to realize that assuming higher risk doesn’t always lead to higher returns

Founders Intend to Retain Control in New Tech IPOs

Ceding voting control in perpetuity to founders in tech startups could come back to haunt initially exuberant investors

Warren Buffett on Pricing Power and Economic Moats

An unusual interview from almost 20 years ago provides a glimpse into one of the guru's core investing principles

Is ConocoPhillips the Best of the Battered E&P Group?

The company has a clean balance sheet, disciplined capital spending plans and a shareholder-first approach