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Don’t Gamble With Your Retirement
(Main Content/blog)
... years than they wanted to. And the older you are, the worse it is to have a gambler's mindset, because there's less time to recover losses. As Nobel Prize-winning economist Paul Samuelson said: "Investing ...
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Good News: Rolling College Savings Balances Into IRAs
(Main Content/blog)
... left if the account after completing their education. They start rolling $7,000 a year into a Roth. Assuming they earn 8% a year in the IRA, They'll have a total of $51,778.76 after five years in that ...
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How to Invest This Election Year
(Main Content/blog)
Investors often worry about poor stock returns during election years, and that's not surprising, given the idea that markets dislike uncertainty. But while election years are often volatile, the truth ...
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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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Tax-Loss Selling is Losing its Luster
(Main Content/blog)
... bill is slashed and you keep more of your money in your pocket. For years, I've recommended and executed tax-loss selling for my clients, just as the vast majority of financial advisors have. But I plan ...
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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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The Big Question: When Can I Retire?
(Main Content/blog)
... People are especially nervous about their retirement savings now because of the nasty inflation we’ve experienced in the past couple of years, as well as last year’s market rout of both stocks and ...
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How to Fix Your Retirement Savings
(Main Content/blog)
... throw you expensive curveballs, like health crises and divorce. Before you know it, you're 40 or 50 years old and you're not on track to retire when you'd hoped to. Often, the real reason people end ...
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Why You Should Be Invested Right Now
(Main Content/blog)
... you don't need to touch for at least five years, it makes sense to stay invested in the stock market. Short-term volatility is the rule in the stock market, not the exception. Between 1946 and 2022, the ...
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Here’s Why I’m a “No” on Annuities
(Main Content/blog)
... years in 2022, and they haven't been stellar this year either. Meanwhile, the Federal Reserve has raised interest rates aggressively, fueling recession fears. Both factors have made annuities, with their ...
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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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Take the Long View, Ignore the Scary Headlines
(Main Content/blog)
... periods, the index declines 46%. Over a year, it declines just 26% of the time, and over 10 years, that number falls to 6%. There are always ups and downs within the long term, but the pattern—that the ...
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Improving Bond Yields and the Case for Rebalancing
(Main Content/blog)
Owning bonds hasn't been very attractive for the past few years, and 2022 was the low point. A cross-section of bonds, as represented by the Bloomberg Aggregate Bond Index, registered a 15% loss in 2022. ...
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How to Get Back into the Market
(Main Content/blog)
... now, but you're likely a lot more confident that it will be higher in five years. The important thing is that you have money in the market so that you benefit from long-term market appreciation. If you're ...
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Five Predictions for 2023
(Main Content/blog)
... impacts rates on mortgages, business loans and more, from next to nothing to more than 4%. And it did so in a hurry, squeezing two years' worth of rate increases into one year. The reason for the Fed's ...
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Putting the Market’s Drama in Context
(Main Content/blog)
... delivered great results in the past few years, but it's time to make sure they're still appropriate and that you're not taking on too much risk. While assessing individual holdings, it may also make ...
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Fighting Temptation in a Volatile Market
(Main Content/blog)
... get back in well after a recovery has started. If there were reliable ways to identify market tops and bottoms, professional investment managers would never have down years. Yet nearly 80% of actively ...
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Understanding the Fed’s Rate Hikes and the Market
(Main Content/blog)
... over the past 20 years. In the long run, patience pays off. ...
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Is the Next Stock Market Catalyst Taking Shape?
(Main Content/blog)
... of good news: Consumer prices rose more than 9% on an annualized basis in June, the worst reading in 41 years. But something interesting is happening. While the official data are still ...
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When Will Stocks Get Back in the Black?
(Main Content/blog)
... bad news, stocks that can potentially deliver robust appreciation over many years are effectively on sale. Market selloffs are indiscriminate: Scared investors tend to sell off their quality stocks along ...