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Highlights Rising inflation and interest rates led to losses in both the stock and bond markets. After gaining almost 29% in 2021, the S&P 500 returned -4.6% in the first quarter. Bond returns were even worse, with the Barclays Aggregate down 5.9% for the quarter. Value stocks outperformed growth stocks by 8.8% in the first […]
Chances are, if you have a financial advisor, they’ve already harped on the importance of including bonds in your investment portfolio. But, for the 12 months ending February 2022 the U.S. inflation rate was 7.9%, while 30-year treasury bonds are yielding just over 2.5%. Through that arbitrage you are “losing” money in the form of […]
Many of you are familiar with the Social Security (SS) system, but for those who are not, it can be defined as follows: a federal insurance program that provides benefits (primarily income) to those that are retired or disabled. The system is funded through collection of Federal Insurance Contributions Act (FICA) revenues. FICA taxes are […]
For a time, investing, or perhaps more accurately, speculating in cryptocurrency was a tax-absent free-for-all. In many ways, the crypto world is still a “wild west” environment. Because bitcoin is built on an open-source (owned by no one) platform and has no governing bodies, it is all but impossible to regulate on the same level […]
Finding bipartisan cooperation seems rare these days. Thankfully, on this one, Democrats and Republicans got it right. A few months ago, the IRS announced plans that would require anyone attempting to view their tax information via the IRS site or app to establish a comprehensive facial recognition profile through a software platform called ID.me. Those […]
Highlights With a gain of 11.0% in the fourth quarter, the S&P 500 returned 28.7% in 2021. Growth stocks outperformed value stocks by 5.1% in the quarter and 7.1% for the year. The U.S. Aggregate fixed income index was flat for the quarter and returned -1.5% for the year. The Federal Reserve’s preferred measure of […]
Highlights With a gain of 0.6% in the third quarter, the S&P 500 has now returned 15.9% in 2021. Growth stocks outperformed value stocks by 2.8% in the quarter. The Barclays Aggregate fixed income index returned 0.1% as interest rates were largely stable. Inflation continued strong, with the Fed’s preferred measure rising 4.2% in the […]
The following discussion is one that I believe many will find frustrating. Over the summer of 2021, private information was leaked to the public regarding famed entrepreneur and venture capitalist, Peter Thiel. Chiefly, that he has amassed a Roth IRA with a balance exceeding $5 billion dollars – yes, billion with a B. He did […]
The house has proposed a new tax bill on September 21 that has some big implications. Here’s an update with key takeaways and information!
If you have a health savings account (HSA), you know that it’s advertised purpose is to pay for out-of-pocket medical costs. However, it may surprise you to learn that this account can function as an excellent retirement savings vehicle, too. First, what is a Health Savings Account (HSA)? HSAs are accounts available to those with […]
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