Posts tagged diversification
How Do You Compare Target Date Funds?

Target Date funds have grown in popularity over the last decade especially inside employer benefit plans such as 401Ks.  On the surface, they all seem to be exactly the same.  First, you pick your fund based on your anticipated retirement date.  Then you let the manager handle the rest – they utilize their glide path and make the portfolio more conservative as you approach retirement.  While true, behind the scenes there are subtle differences that investors should be aware.

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Understanding Qualified Longevity Annuity Contracts (QLACs)

We have received a number of inquiries from clients recently about Qualified Longevity Annuity Contracts (QLACs). As with most types of “financial solutions,” the attractiveness of QLACs is in the eye of the beholder. Let’s take a look under the hood!

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Teaching Your Grandkids About Money

You can definitely make a difference is with your grandchildren’s personal financial education. Teaching kids early will build a lifetime of good financial habits. How can we help them develop good financial habits? By taking advantage of the fact that they really are already watching and learning from what we do and say.

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It’s Time to Check Your Money Market Rates!

Interest rates have risen significantly over the course of the last year. So, you would expect that interest rates on savings and money market accounts would have followed suit.  However, it seems that many banks have yet to adjust the interest rates they pay to customers on deposit accounts like savings and money market. 

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Tax-Efficient Investing and the Importance of Asset “Location”

Asset "location" - which types of investments should be held in which accounts -is different based on your stage in life. An accumulator and a retiree should have a different investment strategy.

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Why Haven't Stocks Declined More This Year?

Doesn’t it seem like the stock market should be down more in 2020? This article takes a deeper dive into the numbers and it turns out that when using more diversified definition of “the market,” stocks have taken quite a hit this year.

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Why Invest Globally?

 You will note in the table below that over the last year the S&P 500 (U.S. stocks) has outperformed its international counterpart by more than 22%!  This disparity in performance becomes even more magnified when considering 10 year and 15 year performance numbers.  In fact, U.S stocks have outpaced foreign stocks by about 2.5% annually for the last 15 years! So why is it important to take a global perspective when investing for the long term?

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