Advisors

If this is the beginning of a bear market in bonds, however, it is unlikely to be a very long or painful one. Already, the 10-year yield has dropped back to 2.8 percent — largely as a result of President Donald Trump’s desire to initiate trade wars. “I don’t consider this a bear market,” said
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While some of us get excited for a long-awaited tax refund, many stress over getting their taxes filed correctly and paid on time. The passage of the Tax Cuts and Jobs Act in December 2017 into law means that upcoming tax seasons may be all the more stressful as people struggle to make sense of
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Even in its early stages, blockchain is acquiring such renown for potential that any business associating itself with the term can attract new investment overnight, prompting some to use “the B word” so casually that they’ve also attracted attention from regulators. Core blockchain software lives on the internet, available to anyone with a modem, just
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Market volatility is the statistical measure of a market or security’s tendency to rise or fall sharply within a short period of time. Measured by standard deviation, volatility can be caused by the imbalances within trade orders in one direction or another. Volatile markets are characterized by wide price fluctuations and/or heavy trading. Although there
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Eliminating all biases when investing is nearly impossible. Financial markets are a prime example of the way human biases can manifest at either end of a spectrum of emotions: This is the core of behavioral finance, where the study of economics and psychology intersect. People don’t always make rational decisions when it comes to money.
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With interest rates rising and volatility up in the markets, however, investors may be shifting away from pure indexing toward more active management of investment risk. “It’s about downside protection,” said Ryan Sullivan, a vice president of global ETF services at Brown Brothers Harriman. Sullivan helps fund companies to design and administer their products. “There
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Some financial experts are not bullish on cryptocurrency as an investment. They wonder: Is it really the next big thing, or will it run its course? In fact, they urge clients not to waste their hard-earned money on bitcoin. And what about blockchain, the technology behind bitcoin? Right now a variety of companies are trying
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The next step is for them to work with an advisor whose experience, business model, training and education allow clients to believe absolutely in their advisors’ objectivity and professionalism in managing their portfolios, he added. “There is no behavior that is irrational around investing when we understand [clients’] underlying thoughts and beliefs,” said Rick Kahler,
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Preparing the next generation for leadership includes guidance on managing resources and wealth. This lesson is gender neutral despite the gender-specific reference made by King T’Chaka. In another poignant scene T’Challa’s mother, Queen Ramonda, also affirmed the parental and community influence in grooming T’Challa for his ascension to the throne. The state of affairs for
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Gen X is the first generation to lose several retirement benefits the previous generations had taken for granted. It’s the first generation that can no longer rely on employer pensions for a secure retirement, and will be the first generation unable to rely on full Social Security benefits, which are on track to be depleted
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Americans have more than doubled their spending on so-called “drunk shopping”— or making purchases under the influence of alcohol — say researchers at personal finance comparison website Finder.com. According to the site’s 2018 survey, U.S. drinkers now spend an average $447.57 per person a year while blitzed, up from $206 a person last year, totaling
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If you’re a financial advisor who is already serving as a fiduciary, you need to be using that to your competitive advantage when working with clients. “Most clients have no clue that right now the law doesn’t require advisors to put their clients’ best interests first, like a doctor, like a lawyer,” Josh Robbins, chief
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What does the current market environment favor? One sector is financials, as measured by Financial Select Sector SPDR ETF (XLF) and iShares U.S. Regional Banks ETF (IAT), which are up by approximately 5 percent and 8 percent, respectively, this year. There are a few important lessons I’d like to share with investors about rising interest
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However, for many people with hefty state and local tax bills, the new federal tax law gives municipal bonds some appeal. The new law caps the state and local tax deduction that can be claimed on federal returns at $10,000. For many households, that cap will outweigh any potential benefits from other changes in the
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