Market Volatility and Investment Challenges

Month: August 2015

August 31, 2015  |  

Market Volatility and Investment Challenges

When is it easy to earn market returns? This is a trick question, because the answer is, “Never.” This is in part because volatility – the up and down movement stock markets experience – is more often distracting than it is cause for changing your investment strategy. The market’s volatile range of returns in any given year has a way of conspiring to cause investors to change their portfolios at exactly the wrong times, chasing […]

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Annuities

August 26, 2015  |  

Are Annuities Right for You? 3 Important Considerations

 Key Takeaways Annuities are designed to provide tax-deferred growth by taking dollars that you would have otherwise invested and placing them within an “insurance wrapper.” Annuity payouts can be immediate or deferred, with the deferred option being either fixed or variable. Before taking the annuity plunge, make sure you have exhausted all other pre-tax retirement plans and have a long-term time view. Also your tax bracket should be high, so the annuity’s tax deferral benefit […]

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August 25, 2015  |  

Making Lemonade from Lemons (An Oldie But Goodie)

Key Takeaways • Don’t let taxes drive investment decisions • Every portfolio experiences losses at one time or another. Use those losses to your advantage • Be mindful of the timing of trades especially in light of the wash sale rules We often talk, especially towards year end, about loss harvesting or harvesting your losses, but we use this technique throughout the year to save taxes. While no one likes losses in his or her […]

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August 18, 2015  |  

The Vacation Home Primer – 7 Key Considerations Before you Pull the Trigger

Key Takeaways: Purchases of vacation homes have spiked over the past few years. Before purchasing your getaway home, consider whether you plan on using it for yourself or for renting. When considering a purchase, account for extra expenses such as insurance, taxes, utilities, furnishings and upkeep before taking the plunge. It’s summer time. So if you’re like me, you can’t wait until the weekend (if not before) to head to the beach. As a former […]

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