When Will Interest Rates Rise?

Below is a synopsis of this investment report: Conservative investors are anxious to return to the days when bank CDs and money market funds could be used to generate low-risk returns. Although it’s impossible to time when the Fed will move to raise interest rates, it’s likely not hap
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Why Do We Even Try To Predict The Future?

Below is a synopsis of this investment report: Annual predictions for the S&P 500 and other equity indices are almost always wrong, and the ones who get it right are nothing more than lucky. Equities are far too volatile to conduct an annual forecast with any level of statistical
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A Holiday Gift For Everyone

Below is a synopsis of this investment report: Investors who have sat on the sidelines since the financial crisis have earned no income in cash and watched the S&P 500 more than triple in value. Fear mongering is everywhere, particularly on the Internet and in the media, because t
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Never Bet On Our Government

Below is a synopsis of this investment report: Never underestimate the ability of the government to create or destroy an industry, and the outcome of elections and regulatory decisions are often extremely important for investors. Traders often try to predict a change in leadership or
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No Evidence Of A Plan

Below is a synopsis of this investment report: The unfortunate reality is that more than half of all households have no retirement plan much past their own retirement accounts. Proper diversification and consistent returns are the keys to retirement and most Americans lack both of the
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Discount Shopping Is So Much Fun

Below is a synopsis of this investment report: Volatility surged in financial markets this week due to fears of slowing global economic growth, technical factors that concern day traders, and news of the Ebola virus spreading in Dallas. The Investment Committee strongly feels that the
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Don’t Be Upset About Missing Out On Alibaba

Below is a synopsis of this investment report: The Initial Public Offering (IPO) for Alibaba was one of the most anticipated stock offerings in history, and demand for the stock exceeded the supply available by many multiples. Individual investors were upset to learn that they were un
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Mutual Fund Investors Aren’t Invited To The Super Bowl

Below is a synopsis of this investment report: Mutual funds are some of the most aggressive advertisers during bull markets, and they often target major sporting events due to the psychology of being associated with “winners”. Not only does the SEC permit such advertising
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A Deeper Dive Into Mutual Fund Tax Issues

Below is a synopsis of this investment report: Mutual funds are riddled with unfavorable tax rules, and their inefficiencies are one of the many reason that the Investment Committee chooses to avoid using them for our strategies. Two examples of these inefficiencies involve deducting
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A Great Strategy For Mutual Funds

Below is a synopsis of this investment report: Mutual funds served their purpose back in the 1980s and 1990s as effective vehicles to broadly diversify a retail investor’s portfolio, despite their exorbitant fees and rampant tax issues. The time for these products has passed, an
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