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Here’s the Real Lesson of Dow 40,000
(Main Content/blog)
In mid-May, the Dow Jones Industrial Average touched 40,000 for the first time in the index's 139-year history. And even though the Dow has since declined a bit, crossing a big round number always seems ...
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What “Higher for Longer” Interest Rates Could Mean for Your Investments
(Main Content/blog)
... wrestle with high-interest debt, they can virtually pick and choose the ones they want to acquire. As always, choosing the right mix of investments depends on your goals, your timeline and your comfort ...
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Don’t Gamble With Your Retirement
(Main Content/blog)
... you to determine how much you'll need to invest and the returns that you'll need to generate to meet your goals. And that's where time horizon comes in. 2. What is my time horizon? Time horizon refers ...
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Good News: Rolling College Savings Balances Into IRAs
(Main Content/blog)
... with the same beneficiary over their lifetime. The catch is that it has to be done in increments; the annual rollover limit is the same as the yearly IRA contribution limit. For 2024 it's $7,000. Starting ...
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How to Invest This Election Year
(Main Content/blog)
... candidates. By the time the general-election campaign is in swing, the rhetoric has typically calmed down a bit, and markets start to gain some traction. Opportunities to invest will present themselves ...
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How to Protect Your Heirs from Strict New IRA Rules
(Main Content/blog)
... in 2019 and taking effect in 2020, the SECURE Act, was aimed at boosting retirement savings—a worthy goal at a time when too few people are saving enough for their later years. But it also killed what ...
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We're Not Out of the Woods
(Main Content/blog)
... S&P 500 index has risen in the fourth quarter 80% of the time. And they point to recent indications from the Federal Reserve, which has raised interest rates from nothing to 5.5% over the past year ...
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The Big Question: When Can I Retire?
(Main Content/blog)
"When is the right time to retire? And how much money will I need so be sure I’ll never run out?" Those are perennial questions asked by every Americans who doesn’t intend to work until they ...
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How to Fix Your Retirement Savings
(Main Content/blog)
... of stocks and bonds, with risk levels that are tailored to your goals, tolerance for market volatility, and time horizon. It's never too late to get started. Please contact us if you'd like to learn ...
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Why You Should Be Invested Right Now
(Main Content/blog)
... market declined between 5% and 10% 84 times, which averages out to more than once a year. But stocks also go up—a lot more than they go down. Over the past 20 years, the S&P is up 400%. Stocks have ...
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Here’s Why I’m a “No” on Annuities
(Main Content/blog)
... a rate of return over a set time period, did particularly well, more than doubling their sales from the previous year. Why are annuity sales surging? One reason is that stocks and bonds both had terrible ...
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Take the Long View, Ignore the Scary Headlines
(Main Content/blog)
... by bad stretches in the market or good ones. But investors who react to each instance of bad news by buying and selling probably won't make much money over time, and may end up losing money. The more ...
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Improving Bond Yields and the Case for Rebalancing
(Main Content/blog)
... and piled into stocks, causing once-balanced portfolios to become lopsided—and riskier—in favor of equities. Now is a good time to take a fresh look at your portfolio, and to make sure you have enough ...
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How to Get Back into the Market
(Main Content/blog)
... over time, good companies are going to grow and make money, and that they as investors will ultimately benefit. Now for what to invest in. The first step in figuring that out is to, again, pull back. ...
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Five Predictions for 2023
(Main Content/blog)
... the secondary market. 5. A bull market will begin. I think the stock market will turn into a bull market sometime in 2023. The S&P 500 stock index partially recovered from its low point, when it ...
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Putting the Market’s Drama in Context
(Main Content/blog)
... owning good companies over long periods of time. And this happens to be a very good time to make sure that the holdings in your portfolio are optimized to get you where you'd like to go. Investors should ...
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Fighting Temptation in a Volatile Market
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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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Understanding the Fed’s Rate Hikes and the Market
(Main Content/blog)
... investors should stay patient, but also be on the lookout for buying opportunities. The market can behave irrationally, especially in times of extreme emotion, and smart investors can take advantage of ...
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Better Inflation News Spells Opportunity
(Main Content/blog)
... .75%, as it's done twice so far this year? Or will it choose a less aggressive approach? Bringing inflation under control without stalling out the economy won't be easy. In the meantime, we have an opportunity ...
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Is the Next Stock Market Catalyst Taking Shape?
(Main Content/blog)
... time to start planning how to invest it. Stocks are likely to be volatile for some time, but investing in the right areas soon could yield good long-term results. Bear in mind that many quality stocks ...