Market Condition Indicator Weekly Report-Offense or Defense for the S&P 500 Large Cap Index
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Financial Resolutions for 2016

Financial Resolutions for 2016..

Financial for Resolutions 2016, If you were to watch the news, you’d think someone forgot to wish the stock market a Happy New Year. After all, the Dow® is off to its worst start since 1991! Of course, that’s not really the reason. But it’s true that 2016 hasn’t started well as far as the markets […] ...

Retirement Calculator Mistakes

Retirement Calculator Mistakes..

1. Retirement calculators used to determine asset allocation may not keep a retirement portfolio from losing value as some might presume.   In my opinion, asset allocation strategies can be reasonably rewarded in generally up trending markets and flat to declining interest rate climates.  Asset allocation strategi ...

Social Security & The Bipartisan Act of 2015

Social Security & The Bipart..

Social Security and the Bipartisan Budget Act of 2015   The legislation, needed to avoid an impending default on U.S. debt, also contains multiple unrelated provisions, including an elimination of two Social Security retirement benefit claiming strategies and a provision to prevent a significant increase in Medicare ...

Social Security,  Counting on COLA?

Social Security, Counting on COL..

Social Security, The rising costs… Social Security, The rising costs of food, gas, electricity, and health care can strain anyone’s budget. The situation is even worse if your living expenses increase while your income stays the same, because your purchasing power will steadily decline over time. That’s ...

Taxes on Retirement Income

Taxes on Retirement Income..

Taxes on retirement income need to be planned for in advance. After your working years, you’ve probably set aside funds in retirement accounts such as IRAs, 401(k)s, or other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income ...

Retirement Income Strategies

Retirement Income Strategies..

Retirement Income Strategies; One of the challenges for many  is providing for annual income while balancing that need with other considerations, such as liquidity, how long you need your funds to last, your risk tolerance, and anticipated rates of return for various types of investments. Annuities may be seen as a fu ...

OPENING A 529 PLAN ACCOUNT?

OPENING A 529 PLAN ACCOUNT?..

    529 plans are savings vehicles tailor-made for college. Anyone can open an account, lifetime contribution limits are typically over $300,000, and 529 plans offer federal and sometimes state tax benefits if certain conditions are met. Here are some common questions on opening an account.   Can I open an ...

Do you really know as much as you think you do about your 401(k) plan? Let’s find out.

Do you really know as much as you..

If I leave my job, my entire 401(k) account is mine to keep.   This may or may not be true, depending on your plan’s “vesting schedule.” Your own contributions to the plan–that is, your pretax or Roth contributions–are always yours to keep. While some plans provide that employer contributio ...

Portfolio Diversification Challenge

Portfolio Diversification Challen..

“When portfolio diversification is needed most, portfolios may not be as diversified as investors assume” Discussed and referred to often through the years, being more conservative as you age with the assumption that a heavier weighting in bonds is a useful thought process to manage volatility. Financial advisors hav ...

“You’ve gotta ask yourself one question: “Do I feel lucky?  Well, do ya?” Dirty Harry, 1971

“You’ve gotta ask yoursel..

There is a disconnect in portfolio risk management advice; just like in the 1971 Clint Eastwood classic Dirty Harry.  “Did he fire six shots or only five?” Well to tell you the truth in all this excitement I kinda lost track myself. The news media and business reporters are all reinterpreting what has be ...

Market Condition Report S&P 500 Index-Offense

Market Condition Report S&P ..

September 23, 2015 The long term market condition report, using the S&P 500 Large Cap Index for illustration purposes, prepared weekly. The market is currently in an offense condition and has remained so since 1/23/2012. This is a slower moving condition indicator based upon 50 years of data, reviewed weekly. To put ...

Market Condition Report S&P 500-Offense

Market Condition Report S&P ..

September 16, 2015  The long term market condition report, using the S&P 500 Large Cap Index for illustration purposes, prepared weekly. The market is currently in an offense condition and has remained so since 1/23/2012. This is a slower moving condition indicator based upon 50 years of data, reviewed weekly. To p ...

Financial Resolutions for 2016

Financial Resolutions for 2016..

Financial for Resolutions 2016, If you were to watch the news, you’d think someone forgot to wish the stock market a Happy New Year. After all, the Dow® is off to its worst start since 1991! Of course, that’s not really the reason. But it’s true that 2016 hasn’t started well as far as the markets […] ...

Retirement Calculator Mistakes

Retirement Calculator Mistakes..

1. Retirement calculators used to determine asset allocation may not keep a retirement portfolio from losing value as some might presume.   In my opinion, asset allocation strategies can be reasonably rewarded in generally up trending markets and flat to declining interest rate climates.  Asset allocation strategi ...

Social Security & The Bipartisan Act of 2015

Social Security & The Bipart..

Social Security and the Bipartisan Budget Act of 2015   The legislation, needed to avoid an impending default on U.S. debt, also contains multiple unrelated provisions, including an elimination of two Social Security retirement benefit claiming strategies and a provision to prevent a significant increase in Medicare ...

Social Security,  Counting on COLA?

Social Security, Counting on COL..

Social Security, The rising costs… Social Security, The rising costs of food, gas, electricity, and health care can strain anyone’s budget. The situation is even worse if your living expenses increase while your income stays the same, because your purchasing power will steadily decline over time. That’s ...

Taxes on Retirement Income

Taxes on Retirement Income..

Taxes on retirement income need to be planned for in advance. After your working years, you’ve probably set aside funds in retirement accounts such as IRAs, 401(k)s, or other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income ...

Retirement Income Strategies

Retirement Income Strategies..

Retirement Income Strategies; One of the challenges for many  is providing for annual income while balancing that need with other considerations, such as liquidity, how long you need your funds to last, your risk tolerance, and anticipated rates of return for various types of investments. Annuities may be seen as a fu ...

OPENING A 529 PLAN ACCOUNT?

OPENING A 529 PLAN ACCOUNT?..

    529 plans are savings vehicles tailor-made for college. Anyone can open an account, lifetime contribution limits are typically over $300,000, and 529 plans offer federal and sometimes state tax benefits if certain conditions are met. Here are some common questions on opening an account.   Can I open an ...

Do you really know as much as you think you do about your 401(k) plan? Let’s find out.

Do you really know as much as you..

If I leave my job, my entire 401(k) account is mine to keep.   This may or may not be true, depending on your plan’s “vesting schedule.” Your own contributions to the plan–that is, your pretax or Roth contributions–are always yours to keep. While some plans provide that employer contributio ...

Portfolio Diversification Challenge

Portfolio Diversification Challen..

“When portfolio diversification is needed most, portfolios may not be as diversified as investors assume” Discussed and referred to often through the years, being more conservative as you age with the assumption that a heavier weighting in bonds is a useful thought process to manage volatility. Financial advisors hav ...

“You’ve gotta ask yourself one question: “Do I feel lucky?  Well, do ya?” Dirty Harry, 1971

“You’ve gotta ask yoursel..

There is a disconnect in portfolio risk management advice; just like in the 1971 Clint Eastwood classic Dirty Harry.  “Did he fire six shots or only five?” Well to tell you the truth in all this excitement I kinda lost track myself. The news media and business reporters are all reinterpreting what has be ...

Market Condition Report S&P 500 Index-Offense

Market Condition Report S&P ..

September 23, 2015 The long term market condition report, using the S&P 500 Large Cap Index for illustration purposes, prepared weekly. The market is currently in an offense condition and has remained so since 1/23/2012. This is a slower moving condition indicator based upon 50 years of data, reviewed weekly. To put ...

Market Condition Report S&P 500-Offense

Market Condition Report S&P ..

September 16, 2015  The long term market condition report, using the S&P 500 Large Cap Index for illustration purposes, prepared weekly. The market is currently in an offense condition and has remained so since 1/23/2012. This is a slower moving condition indicator based upon 50 years of data, reviewed weekly. To p ...

MARKET CONDITION REPORT

The long term market condition report, using the S&P 500 Large Cap index for illustration purposes, prepared weekly.