Independent Wealth Management
Who scrutinizes your investments, designs and tests your retirement and education plan, searches for new investment ideas, patrols insurance agents and mortgage brokers, shows you strategies designed to reduce your investment costs and income taxes, monitors your 401(k), promptly responds to your email, provides one monthly statement, day-to-day net performance across all of your accounts and does all of your paperwork...We do!
6 Traits of Successful Investors
What distinguishes the best performing investment managers from the rest? It begins with a strict adherence to deeply held principles and an unwillingness to stray in the midst of all the daily investment noise. We have been able to identify six traits that are common among these managers. Interestingly, these characteristics have proven...
5 Tips for the Credit Crisis
Between 2002 and 2007, implied risk faded as central banks flooded the markets with cheap money; allowing capital flows to mask losses while boosting asset values to record levels. Billions of dollars of central bank credit translated into trillions of dollars of leveraged bets elevating all asset classes—real estate, stocks, commodities, and bonds. (Excessive lending against over-optimistic asset valuations is a time-honored recipe for asset price bubbles.) But global market risks, temporarily hidden by cheap credit, have now reasserted themselves with a vengeance.
The Original Dow
“The market was down 50 points today.” When you hear this, people are generally not talking about the broad market, but instead about the Dow Jones Industrial Average (DJIA). Since its creation over 111 years ago, the Dow Jones industrial average has become a widely followed barometer of the stock market, despite its obvious shortcomings such as tracking only 30 stocks.
The industrial average has contained 30 stocks since 1928, when it was expandeded to represent the major industries of the U.S. stock market. But when the Dow Jones industrial average began on May 26, 1896, it contained just 12 stocks. Due to radical changes in the economy since 1896...
Buy Disability Insurance?
If you or your family members count on your income to meet current, normal cash flow needs, how would that income be replaced if you were no longer able to earn it due to a disability? Replacing that income is the purpose of disability insurance. There are several sources of disability insurance...
Rafael Velez
in Financial Planning
|
Comments Off
