One way advisors can add value to your bottom line is by helping you to minimize your tax bill. It’s referred to as tax efficiency. There are two main ways that advisors can help with tax efficiency:
The Happiness Curve
“It ain’t what you don’t know that gets you into trouble. It’s what you know for sure that just ain’t so.”-Mark Twain
2019 Fourth Quarter Market Commentary
This report features world capital market performance and a timeline of events for the past quarter. It begins with a global overview, then features the returns of stock and bond asset classes in the US and international markets. The report also illustrates the impact of globally diversified portfolios and features a quarterly topic.
Living In The Fear Of A Market Downturn
It’s easy to feel anxious about investing these days. Those who claim they can foresee market moves are out in force, on screen after screen, citing factors such as trade wars or the inverted yield curve as signals that stocks will soon go down.
Time Flies
“The bad news is time flies. The good news is your’re the pilot.” Michael Althsuler
New tax rules in 2020
As we noted in our June newsletter, there was a possibility of potential law changes in 2019.
Two Questions To Ask Before You Purchase Life Insurance
Life insurance can be an extremely important, even essential, part of your financial plan. One of its most attractive aspects for many individuals and families is the death benefit of the policy—the money that the insurance company pays out in the event of the insured’s death.
Big Data
IBM did research a few years ago proclaiming that 90% of the world’s data is being created every two years. That is an amazing statistic. More data has been created since October 2017 than all the prior years combined? More data will be created in the next two years than all prior years?
2019 Mutual Fund Landscape
Each year, Dimensional analyzes returns from a large sample of US-based mutual funds. Our objective is to assess the performance of mutual fund managers relative to benchmarks. This year’s study updates results through 2018. The evidence shows that a majority of fund managers in the sample failed to deliver benchmark-beating returns after costs. We believe that the results of this research provide a strong case for relying on market prices when making investment decisions.
Appreciate The Trade-Off Between Risk And Return
The theory is simple enough: The more risk you are willing to assume, the higher the expected potential return. The challenges, though, are selecting an asset allocation that will provide the returns you require to meet your long-term financial goals and sticking to the allocation through up and down markets.