Tag: charlotte NC

Market Update: The Best and Worst of Times

Sep 12, 2022

Market Update
Market Update

When it comes to stock market performance, August was “the best of times, and the worst of times.” The strong market rally that peaked in mid-August was viewed by many analysts as a transition from a bear to bull market, based on the surge in breadth that stocks enjoyed and the magnitude of the two-month rally that began in mid-June totaling 17%. (more…)

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Systematic Withdrawal Strategies

Sep 2, 2022

Doors
Should you arrange automatic distributions from your retirement or investment accounts?

Some retirees wish they could simplify money management.Estimating investment income, annual retirement plan distributions, and quarterly taxes can be a chore.

This is why some retirees choose to make systematic withdrawals. Just as they contributed a set amount per month to their retirement accounts while working, they now withdraw a set amount from their accounts each month, quarter, or year.

The simplicity of this may appeal to you. The potential drawback is that a systematic withdrawal strategy can risk oversimplifying the complex matter of retirement income distribution. (more…)

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Do Your Investments Match Your Risk Tolerance?

Aug 31, 2022

dice risk risky staircase
When was the last time you checked the contents of your portfolio?

From time to time, it is a good idea to review how your portfolio assets are allocated – how they are divided among asset classes – and make sure they still match with your risk tolerance.

At the inception of your investment strategy, your target asset allocations reflect your tolerance for risk. Over time, though, your portfolio may need adjustments to maintain those target allocations. (more…)

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Investment Challenges of the Affluent Investor

Aug 22, 2022

Jigsaw Puzzle Unfinished
Affluent investors face unique challenges when putting together an investment strategy.

High net worth investors face investment challenges that some would consider unique to their financial status. The fundamental tenets of investing apply just as equally to them as any other investor, but these investors need to be mindful of issues that typically arise only from substantial wealth.

Let’s examine a few of these.

(more…)

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Market Update: Big Week for Market Watchers

Aug 5, 2022

Market Update
Market Update

Last week was epic for market-watchers. A Federal Reserve (Fed) rate hike, a much-anticipated gross domestic product (GDP) report, and the busiest week of earnings season got most of the headlines. There was even a surprise out of Washington D.C., with a Schumer-Manchin agreement on a climate-healthcare-tax bill and some inflation data that added to the evidence that inflation has peaked. (more…)

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Required Minimum Distribution 101

Aug 3, 2022

Required Minimum Distribution
Understanding mandatory retirement account withdrawals.

If you are approaching your seventies, get ready for required minimum distribution. You may soon have to take RMDs, as they are called, from one or more of your retirement accounts. (more…)

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3 Shrewd Maneuvers in a Down Market

Jun 29, 2022

Top Gun ManeuversIt’s natural to think “defense” during a bearish market season. But why not mix in some “offense” with your defense? Here are three moves we can discuss together that may be helpful during the current market downturn. (more…)

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Market Update: A Bear Market is Officially Here

Jun 17, 2022

Market Update
Market Update

A bear market is officially here thanks largely to stubbornly high inflation. For many of us, it has probably felt like a bear market for a while now, but the S&P 500 Index didn’t close more than 20% below its January 3 record high until Monday. Tech stocks are down a lot more—the Nasdaq Composite is more than 32% below its November 2021 record high. (more…)

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Retirement Wellness

Jun 6, 2022

Father and Son sitting on dock by water
Staying healthy could save you some money.

How healthy a retirement do you think you will have? If you can stay active as a senior and curb or avoid certain habits, you could potentially reduce one type of retirement expense.

Each year, Fidelity Investments presents an analysis of retiree health care costs. In 2020, Fidelity projected that the average 65-year-old couple would spend around $285,000 on health care during retirement, including about $11,000 in the first year. Both projections took Medicare benefits into account. (more…)

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Protecting Yourself While Shopping Online

Apr 15, 2022

Shopping Online Computers Credit Card
What steps should you take?

We’re all at home now and shopping online has become commonplace. Whether you shop online routinely or infrequently, the risk of identity theft rises as you offer more and more information about yourself online. (more…)

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More Insights

Sep 23, 2022

The Federal Open Market Committee (FOMC) increased the target rate by 75 basis points (bp) to a 3.25% upper bound and delivered a more pessimistic outlook in their published Summary of Economic Projections.

Sep 21, 2022

  You may have seen this statistic before or one resembling it: the average 65-year-old retiring couple can now expect to pay more than $250,000 in healthcare costs during the rest of their lives. In fact, Fidelity Investments now projects this cost at $285,000. The effort to prepare for these potential expenses is changing the … Continue reading “Healthcare Costs are Cutting into Retirement Preparations”

Sep 19, 2022

Investors are routinely warned about allowing emotion to influence their decisions. However, they are less routinely cautioned about their preconceptions and biases that may color their financial choices. In a battle between the facts & biases, our biases may win. If we acknowledge this tendency, we may be able to avoid some unexamined choices when … Continue reading “Do Our Emotion or Biases Affect Our Financial Choice”

Sep 16, 2022

At one point or another, you may realize capital gains, which is a taxable event. What can you do about them? You can do what some investors do – you could recognize investments with a loss and practice “tax-loss harvesting.”

Sep 14, 2022

Everyone loves a winner. If an investment is successful, most people naturally want to stick with it. But is that the best approach? It may sound counterintuitive, but it may be possible to have too much of a good thing. Over time, the performance of different investments can shift a portfolio’s intent as well as … Continue reading “Rebalancing Your Portfolio”

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