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Don’t Gamble With Your Retirement
(Main Content/blog)
... giving you the highest likelihood of a strong probability of achieving your goals, allows you to sleep at night in all market conditions. It's critical not to approach investing as a get-rich-quick game. ...
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How to Protect Your Heirs from Strict New IRA Rules
(Main Content/blog)
... that adult children are often in their peak earning years—and thus in higher tax brackets—at the time they receive an inheritance. One way that IRA owners can help their heirs out is by converting their ...
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We're Not Out of the Woods
(Main Content/blog)
... doesn’t necessarily translate into stronger results for companies. A lot of the effect of higher interest rates takes place a year or even two years after they’re raised. This lag effect means there could ...
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Why You Should Be Invested Right Now
(Main Content/blog)
... bonds averaged between 5% and 6%. Stocks' higher growth power helps disciplined long-term investors not just keep pace with inflation, but to come out ahead. But it's critical that you stay invested. ...
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Here’s Why I’m a “No” on Annuities
(Main Content/blog)
... promise of predictable income streams, look like a safe haven. In addition, those rising interest rates have also translated into higher annuity payouts. Early in my career I really liked annuities. ...
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“Sell in May Go Away” is Not the Way
(Main Content/blog)
... more than 5%, their highest level in many years. Stocks have historically provided more growth over the long run than bonds. But owning bonds is far superior to having your cash on the sidelines, being ...
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How to Get Back into the Market
(Main Content/blog)
... of all, the exact timing of when you get into the market is far less important than staying invested for the long term. You might have your doubts about whether the market will be higher three months from ...
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Five Predictions for 2023
(Main Content/blog)
... urgency was four-decade-high inflation, as the Consumer Price Index peaked at an annualized 9.1% in June. There are signs that the Fed's strong medicine is working-- by November, inflation was running ...
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Putting the Market’s Drama in Context
(Main Content/blog)
... companies, but it's turned some stocks into bargains. For example, shares of specific high-quality companies that pay strong dividends are now available at attractive prices. By selling some investments ...
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Fighting Temptation in a Volatile Market
(Main Content/blog)
The 13-year period through early 2022 was a very lucrative one for investors, with stocks, as measured by the S&P 500 index, returning more than 400% over that time. But since the market's high on ...
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Better Inflation News Spells Opportunity
(Main Content/blog)
... month. Make no mistake, 8.5% inflation is very bad for consumers. Our grocery bills are 8.5% higher than they were a year ago. But for investors, what counts is the direction of inflation. While the ...
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When Will Stocks Get Back in the Black?
(Main Content/blog)
... rates are tied to inflation, and there's no evidence that inflation is cooling from its four-decade-high levels. The Federal Reserve is raising interest rates and taking other steps to cool price increases, ...
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For Investors, the Shoe Has Dropped
(Main Content/blog)
The stock market has looked at higher inflation and rising interest rates, and to say that it doesn't like what it sees would be an understatement. Since the beginning of the year, the S&P 500 index ...
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What the Crashes of Netflix and Facebook Tell Us
(Main Content/blog)
... Netflix had crashed 69% from its highs, and Meta (as Facebook's parent is now called) had plunged 34%. These two stocks' fall should be a wakeup call, if any were still needed, for long-term investors: ...
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Market Turmoil Brings Buying Opportunities
(Main Content/blog)
The start of 2022 has been very volatile, especially in the technology sector, where investors have continued pulling their money out of high-growth and richly valued shares. In less than three months, ...
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A Bad Time to Be Over-Diversified
(Main Content/blog)
... risk without the benefit of higher returns. In fact, over-diversification can be a drag on returns. Imagine you bought Apple 30 years ago, when shares were still cheap, and held it; you'd have a massive ...
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A Big Market Shift is Underway
(Main Content/blog)
... and the poster child for expensive, shooting-star tech companies, the ARK Innovation ETF, is down nearly 40% since November 1. Meanwhile, the Vanguard S&P 500 Value Index Fund, chock-full of high-quality ...
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Why I Don't Invest in Crypto
(Main Content/blog)
... a high of $69,000 in November, for example. Why is crypto so volatile? It doesn't have inherent value like gold, which can be made into jewelry or put to other uses, or stocks, which represent shares ...
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Higher Interest Rates Could Hammer Stocks
(Main Content/blog)
... more. But higher rates can also hurt stocks, by making it more expensive for businesses to borrow money. Costlier credit raises the cost of doing business, potentially lowering corporations' earnings ...
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Where to Invest Now? It's Tricky
(Main Content/blog)
... the proceeds, there's no obvious place to reinvest that money. High-quality bonds are unappealing because of their low yields--10-year Treasuries are yielding just 1.3%. And the possibility of rising ...