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Insights



Why Should You Diversify?

As 2019 begins, and with US stocks outperforming non-US stocks in recent years, some investors have again turned their attention towards the role that global diversification plays in their portfolios. For the five-year period ending October 31, 2018, the S&P 500 Index had an annualized return of 11.34% while the MSCI World ex USA Index returned 1.86%, and the MSCI Emerging Markets Index returned 0.78%. As US stocks have outperformed international and emerging markets stocks over the last several years,
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2018 Market Review

After logging strong returns in 2017, global equity markets delivered negative returns in US dollar terms in 2018. Common news stories in 2018 included reports on global economic growth, corporate earnings, record low unemployment in the US, the implementation of Brexit, US trade wars with China and other countries, and a flattening US Treasury yield curve. Global equity markets delivered positive returns through September, followed by a decline in the fourth quarter, resulting in a – 4.4% return for the
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Talk to Your Advisor

In addition to the usual resolutions, the new year is a great time to talk to your financial advisor, revisit your goals and your long-term plan, and discuss any changes in your life or circumstances. This way, you can make sure that your plan accurately reflects where you are now and where you want to be. A great place to start is the Financial LifeMap below. Your financial advisor — working in close partnership with other experts, such as your
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Here’s the Prescription

Take, for example, a friend of mine, who was experiencing some troubling medical symptoms. Typing her symptoms into a search engine led to an evening of research and mounting consternation. By the end of the night, the vast quantity of unfiltered information led her to conclude that something was seriously wrong. One of the key characteristics that distinguishes an expert is their ability to filter information and make increasingly refined distinctions about the situation at hand. For example, you might describe
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The Flat Out Truth

What is a yield curve, and why are stock investors interested in its shape? A yield curve gives a snapshot of how yields vary across bonds of similar credit quality, but different maturities, at a specific point in time. For example, the US Treasury yield curve indicates the yields of US Treasury bonds across a range of maturities. Bond yields change as markets digest news and events around the world, which also causes yield curves to move and change shape
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Midterm Elections— What Do They Mean for Markets?

While surprises can and do happen in elections, the surprises don’t always lead to clear-cut outcomes for investors. It’s almost Election Day in the US once again. For those who need a brief civics refresher, every two years the full US House of Representatives and one-third of the Senate are up for reelection. While the outcomes of the elections are uncertain, one thing we can count on is that plenty of opinions and prognostications will be floated in the days
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Three Legal Strategies When Facing a Major Health Event

            What You and Your Family Need to Know Receiving a health diagnosis or learning that you need to undergo major surgery can cause substantial disruption in your day-to-day life. During this time, the last thing you may want to think about is estate planning. Although you may have many things going through your head at the moment, now is a crucial time to make sure your estate plan is in order.  Proactive planning can
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A Question of Equilibrium

“Sellers were out in force on the market today after negative news on the economy.” It’s a common line in TV finance reports. But have you ever wondered who is buying if so many people are selling? The notion that sellers can outnumber buyers on down days doesn’t make sense. What the newscasters should say, of course, is that prices adjusted lower because would-be buyers weren’t prepared to pay the former price. What happens in such a case is either
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Timing the “Market” Without Timing the Market

A common question of late centers around whether it is a good time to invest in the “market”, taking into consideration the all-time highs we’re experiencing. It is understandable to have this concern. Although there is conclusive evidence to suggests that attempting to “time” the market does not work over the long term, there is a way to overcome this common fear. A key note: When you hear all the talking heads on TV, or the news headlines, or even your friends
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7 Retirement Planning Challenges That Focus on Your Life

While one of the most obvious challenges in retirement is not running out of money, there are other important factors to consider and prepare for that may not be as top of mind. Even if you don’t consider yourself close to retiring, you may be able to use this information to help you plan for the future or even assist a parent, loved one, or friend. Ages and Stages – For many, retirement could be a 30+ year expedition. Time spent
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