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Don’t Gamble With Your Retirement
(Main Content/blog)
... easy to get frustrated with the seemingly slow progress of a sensible, diversified portfolio. But if you're trying to achieve long-term goals like being able to retire at a reasonable age, over-aggressive ...
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How to Protect Your Heirs from Strict New IRA Rules
(Main Content/blog)
... valuable because it prolonged the tax-deferred growth of the account, often for decades, while limiting the taxes due every year. Now that stretch IRAs are gone, most non-spouse inheritors must withdraw ...
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Tax-Loss Selling is Losing its Luster
(Main Content/blog)
... I think the long-term potential for stocks I believe in outweighs the attractiveness of short-term tax savings. A big reason I'm less enamored of tax-loss selling has to do with changes in market behavior. ...
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We're Not Out of the Woods
(Main Content/blog)
... dysfunction in Washington, and next year’s looming election are additional wildcards. I always advise clients to stay in the stock market for the long run. Ultimately, it’s the best way to earn the kinds ...
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The Big Question: When Can I Retire?
(Main Content/blog)
... warranted. It’s normal these days for retirements to stretch on to 30 or 40 years thanks to longer lifespans. The bad scenario is to have to cut way back on your lifestyle in order to stretch your savings. ...
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Why You Should Be Invested Right Now
(Main Content/blog)
... about 4% a year. Whether your cash is intended for short-term or long-term use, it should be invested right now. There are good yields right now on short-term bonds and money market funds, and even CDs ...
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“Sell in May Go Away” is Not the Way
(Main Content/blog)
... I believe that even if companies' stock prices stay unfairly suppressed, that certain ones will pass their strong earnings along to shareholders through dividends or stock buybacks. And then appreciation ...
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Take the Long View, Ignore the Scary Headlines
(Main Content/blog)
... flow, you have to be right again and again and again. The odds of accomplishing that, and of earning a positive return over the long term, are very low. The key to successful investing is using a long-term ...
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Improving Bond Yields and the Case for Rebalancing
(Main Content/blog)
... to the Federal Reserve's campaign of raising interest rates to fight inflation. And while the bond market as a whole is flat, fixed income is once again looking like it belongs in investment portfolios. ...
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How to Get Back into the Market
(Main Content/blog)
... could be winners, when to buy, and even whether the January rally is a head fake. But before making investment decisions, I recommend that investors step back, take a breath, and think longer-term. First ...
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Putting the Market’s Drama in Context
(Main Content/blog)
... nearly two decades, is this: It doesn't matter. For long-term investors—the people who are saving and investing for college or retirement or a second home—the market's ups and downs are pretty much irrelevant. ...
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Fighting Temptation in a Volatile Market
(Main Content/blog)
... out and look for perspective. Volatility and even bear markets are the price of getting access to the markets' long-term returns. That 13-year run-up in the S&P included many significant setbacks, ...
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Understanding the Fed’s Rate Hikes and the Market
(Main Content/blog)
... wholesale inflation generally point to an eventual decrease in consumer inflation. How long will it take for consumer inflation to decline in a meaningful way? It's impossible to say for sure. For now, ...
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Is the Next Stock Market Catalyst Taking Shape?
(Main Content/blog)
In last month’s blog, I explained that good news on inflation could serve as the catalyst to break stocks out of their long slump. Well, the latest inflation data, issued on July 13, are the opposite ...
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When Will Stocks Get Back in the Black?
(Main Content/blog)
... but it's likely to be months before there's a real impact. The longer the cloud hangs over the economy and the markets, the gloomier investors get. But it's important to understand that amid all the ...
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For Investors, the Shoe Has Dropped
(Main Content/blog)
... 2020, or a shift downward like we're experiencing now, tends to be dramatic. In the current selloff, less-profitable companies and those built on stories about long-term potential were hit first and ...
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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)
... P/E ratio has fallen in half, from 50 to 25, for instance. But investors sold indiscriminately ahead of the anticipated interest-rate hikes. So companies with sustainable long-term business strengths have ...
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A Big Market Shift is Underway
(Main Content/blog)
... the cost of borrowing. Thus, the long-term earnings potential of companies like Tesla or Peloton become less appealing when interest rates climb. The tech-heavy NASDAQ index is down 7% since early November, ...
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Why I Don't Invest in Crypto
(Main Content/blog)
... cryptocurrencies are wildly volatile. In the longer term, they carry heavy regulatory risk—governments around the world very well might pull the rug out from under crypto. First, let's look at crypto's ...