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Insights



Fixed Income’s Place in Your Portfolio

For many years, we have experienced historically low interest rates, and expectations are that the Federal Reserve will maintain is near-zero rate policy through the end of 2022 or until it sees inflation rise. This means that your investments in fixed income securities, such as cash, certificates of deposit and high-quality bonds, are paying relatively little. If you reach for higher yields by turning to lower-quality bonds or move into more equities looking for greater returns, you take on more
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Proposed “SECURE Act 2.0” May Boost Retirement Savings

The House of Representatives introduced a new bipartisan bill on October 27 called Securing a Strong Retirement Act of 2020 (SSRA). With a majority of Americans falling behind with their savings, this bill would nudge individuals in the right direction. Michael Townsend, Vice President, Legislative and Regulatory Affairs, says, “It’s not likely this will be passed into law this year, but the bill has backing from key leaders on both sides of the aisle, so it stands a very good
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Refocus Post-Election Stress to Your Financial Plan

The 2020 election is moving closer to conclusion, and like many investors, you may have mixed emotions about the future. If you’re looking for clarity and guidance, here are key points for refocusing that post-election stress and anxiety back to your financial plan. Avoid acting hastily based on election results. Equity markets moved higher in the week following the election. However, experts’ consistent point of view is to avoid reacting to immediate news related to the election. Avoid assuming anyone
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How Much Impact Does the President Have on Stocks?

2020 Year-End Tax Planning

Clearly, 2020 has been a year unlike any other. The coronavirus pandemic and its impact on health and the economy has forced a lot of people to reassess their priorities and the financial life decisions tied to them. For some that means establishing or replenishing an emergency fund. For others it may mean a closer review of their estate plan. For many, though, the end of 2020 presents an opportunity to consider what may be done from an income tax
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Optical Illusions in Investing

Do you remember “The Dress”? From way back in 2015? Sure, hundreds of internet sensations memorable for one reason or another have gone viral over the years, but this one made a splash by any standard. Is the dress white and gold? Or is it really black and blue? Debate raged and The Dress forever earned a place in pop culture. It seems, though, that everyone at the time simply forgot about optical illusions and the tricks our brains can
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An Exceptional Value Premium

It’s probably not news to most value investors that the value premium has struggled over the past decade. What might be news is just how extreme an outlier recent value stock underperformance represents. The periodic returns for value versus growth in Exhibit 1 convey a stark contrast between recent years and the longer run of evidence, suggesting the past decade’s disappointing premium was disproportionally impacted by the last three years. Over the first seven years of the last decade (July
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Preparing Your Beneficiaries to Receive Their Inheritance

When you hire an estate planning attorney, you are often looking for help with preparing your accounts and property to ultimately pass smoothly and safely to your loved ones. This is a key component of estate planning. An experienced estate planning attorney will put much thought and effort into ensuring that an appropriate estate plan is created using a variety of legal documents including wills, trusts, powers of attorney, and health care directives. These important tools can ensure that what
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Why Investors Might Think Twice About Chasing the Biggest Stocks

As companies grow to become some of the largest firms trading on the US stock market, the returns that push them there can be impressive. But not long after joining the Top 10 largest by market cap, these stocks, on average, lagged the market. • From 1927 to 2019, the average annualized return for these stocks over the three years prior to joining the Top 10 was nearly 25% higher than the market. In the three years after, the edge
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It’s (not) a small world after all!

Disneyland has a famous ride, accompanied by an identically named song, called “It’s a Small World (After All),” that was developed to celebrate peace and togetherness. While the ride is intended to remind us of how connected we all are, our beliefs about investing may not be as unified or accepting of differences as the ride and song celebrate. To be sure, some investors invest in a literal small world. They focus on investing in their local stock market and
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