We’re living in a unique period of time where uncertainty seems to be the driving force across many sectors. The health crisis has forced us all to make changes to our daily lives and our finances, and that has a lot of people thinking about ways to generate predictable income. Let’s explore this idea by looking at ways this is done but identifying reasons why this might not always benefit you.
We’re all doing our best to take the social distancing guidelines to heart by changing the way we’re living right now, but let’s take a break from the seriousness of it all with a lighter discussion on separation. What would that look like if social distancing was applied to your financial planning?
Follow the money. Goldman Sachs is stepping out with some bullish commentary. Market Watch reported, "a team of Goldman Sachs strategists led by David Kostin, says the worst of the market rout is behind us. A 'previous near-term downside of 2000 [for the S&P 500] is no longer likely. Our year-end S&P 500 target remains 3000 (+8%),' says the team in a note to clients on Monday. "Why? 'The combination of unprecedented policy support and a flattening viral curve have dramatically reduced downside risk for the [...]
We closed out the month of March with an unprecedented month in the stock market as the coronavirus caused fear and uncertainty throughout the country. To get a little perspective on what we’re witnessing, let’s take a look back through history at the worst market crashes of all-time.
Timing the market - Although the financial markets can be remarkably steady over longer time periods, sharp short-term movements in security prices are increasingly frequent. Choosing the ideal moment to buy or sell is difficult, and investors who attempt to time the market may end up missing periods of exceptional returns. Ignoring the power of diversification - Individual asset classes go in and out of favor over time. Harnessing proper diversification can enhance returns and help to cushion against volatility. Assuming past performance guarantees future results [...]
Retirement comes in many different forms and we all create our own vision of the day we make that exciting transition. Maybe you’re someone that plans to work as long as you can or you the person that’s ready to retire as soon as possible. We all have a different level of desire when it comes to retirement, and today we’ll span the spectrum with J’Neanne Theus.
The Coronavirus outbreak is causing panic worldwide and almost everywhere investors look, the headlines seem daunting when it comes to the epidemic and their portfolios. What is an investor to do amid these circumstances? First and foremost, everyone must understand the incentives of the news outlets pumping out these headlines. They are attempting to sell advertising. So why is it that bad news seems to dominate the headlines? Marc Trussler and Stuart Soroka, set up an experiment that they published in 2014. The researchers present their [...]
Many different types of bias can play a role in the decisions an investor makes and most of the time it results in a negative outcome. Let’s highlight six of the biases that we see clients use for their financial decisions and explain how they affect your portfolio.
Well... it's Monday following an 11% drop in the DOW from last week. And what's happened? When financial markets hit periods of volatility like this past week, these questions inevitably fly around: Is this the right time to sell? Why are my account balances dropping? Shouldn't you (the advisor) be doing something? Shouldn't I change my allocation? Amid all the news and noise, investors are wondering what to do - if anything. You don't have to look back far in history for an example of what [...]
A lot of people like to think they’re making decisions based on logic and facts, but the truth is emotions typically play a role in our decision-making process. As you can imagine, we have many strong feelings when it comes to our money and that can become a problem for your retirement plan. Do you let emotions seep into your financial decision-making? That’s the question we want to explore today on Her Wealth Matters. This isn’t a conversation exclusively for women. We are all pushed by [...]
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