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Quarterly Market Review Q3 2019

Click the link below to view our Quarterly Market Review for Q3 2019. This report features world capital market performance and a timeline of events for the last quarter. It begins with a global overview, then features the returns of stock and bond asset classes in the US and international markets. The report also illustrates the impact of globally diversified portfolios and features a quarterly topic. Quarterly Market Review Q3 2019

Value Judgments: Viewing the Premium’s Performance Through History’s Lens

There’s a misconception in the markets: value stocks have lost their vigor. Value stocks have underperformed growth stocks over the past decade. In the US, the annualized compound return has been 12.9% for value stocks, or those trading at a low price relative to their book value. That contrasts with 16.3% annualized compound return for growth stocks, or those with a high relative price.1 LESSONS OF THE PAST Value underperforming growth by 3.4 percentage points a year over a decade is indeed
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3 Steps to Protect Your Financial Identity

Beginning in 2016, the United States Department of Homeland Security (DHS) has designated every October Nation Cybersecurity Awareness Month (NCSAM), in an effort to raise awareness of safer online activities. Here are 3 simple steps to protect your financial identity: Prevent Prevent criminals from obtaining confidential information by taking the following steps: Freeze your own Social Security number, plus have others within your span of care (spouse or partner, children, elderly parents) do the same. Store financial documents in a
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A Tale of Two Decades: Lessons for Long‑Term Investors

The first decade of the 21st century, and the second one that’s drawing to a close, have reinforced for investors some timeless market lessons: Returns can vary sharply from one period to another. Holding a broadly diversified portfolio can help smooth out the swings. And focusing on known drivers of higher expected returns can increase the potential for long-term success. Having a sound strategy built on those principles—and sticking to it through good times and bad—can be a rewarding investment
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When Is It Critical to Review Your Estate Plan, and Why?

Just like other important life tasks, your estate plan deserves your time and attention. It’s important that you work with us to review your estate plan at least once a year. Think of this as your estate plan’s annual physical exam, and remember—prevention is the best cure. An annual exam isn’t necessarily the only time we see a doctor. Similarly, an annual planning meeting isn’t the only time you need to consider your estate plan. The occurrence of special life
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Why Dismissing Social Security in Your Retirement Plan Is a Mistake

When the subject of Social Security comes up during retirement planning conversations, both younger and older investors often greet it with a healthy dose of cynicism. Such discussions tend to include comments like, “Oh yeah, sure. If there’s even anything left for me” or “Isn’t Social Security going bankrupt?” Sometimes I hear a more draconian stance, like, “I just plan on it not being around when I’m retired.” This last viewpoint actually is quite common. According to a study by AARP,
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Invest in the S&P 500 and forget it? Hope you have a strong stomach!

Invest in the S&P 500 and forget it: Every so often, this advice becomes more and more popular from the media and well-intended TV personalities with the intent to simplify investment management. I’m a huge fan of simplifying; however, this advice can also be misleading, dangerous, and rob you of proven and disciplined long-term opportunities. Why is this so popular now? It just so happens that over the past 10 years, the S&P 500, which we show as Asset Class
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IPOs: Profiles Are High. What About Returns?

Initial public offerings (IPOs) often attract initial public interest—especially when familiar brands become broadly available to investors for the first time. In recent months, investors have had the opportunity to buy shares of ride‑hailing networks Uber and Lyft, workplace productivity services Zoom and Slack, and other high-profile businesses ranging from Pinterest to Beyond Meat. News outlets contribute to the frenzy, building anticipation, tracking the early hours of trading, and casting judgment on the IPO’s success. Investors, perhaps lured by tales of outsized returns, try to get
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Do You Have a College Student?

Once a child reaches age 18, he or she is an adult by law.  Parents lose the right to learn about their child’s health, tuition bills and even their grades once their child becomes an adult. It can be rather worrisome if your child is miles away and becomes ill or suffers an accident and is hospitalized.  What if they need assistance with a bank account or filing a tax return? These unnecessary worries can be avoided if your child
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Why Is Inflation So Low? (And What to Do About It)

Ronald Reagan famously described inflation as being “as violent as a mugger, as frightening as an armed robber and as deadly as a hitman.” While the inflation experienced under President Reagan was all those things, inflation over the past decade would struggle to get a ticket for jaywalking. Since the global financial crisis of 2008 and 2009, inflation has been low. The Federal Reserve, the government agency responsible for keeping unemployment down and prices stable, has been formally targeting a
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