Commentary: When It Comes Time to Buy, Will You Do It?

From: oceanparkam.com

We have a question to ask you: when it comes time to buy, will you?

What Just Happened?

On a daily and even hourly basis, investors and every day citizens are worried, and they are struggling to determine what the COVID-19 virus means for their personal health and their personal finances. With no shortage of uncertainty, a rush to…

Structured Notes: The Secret to Improving Your Risk/Return Profile?

From: visualcapitalist.com

Structured notes are gaining momentum in the market, with a whopping $2 trillion in assets under management (AUM) globally.

So why haven’t more investors heard of them?

Traditionally, structured notes had a $1 million minimum investment. They were only available to high-net-worth or institutional investors—but they are now becoming more accessible.

Today’s infographic from Halo Investing explains what…

What Is the Difference Between Qualified Dividends and Ordinary Dividends?

From: www.fool.com

Qualified dividend tax rates and ordinary dividend tax rates are two different categories. Here’s how to know if your dividends qualify for the lowest tax rates and what it could mean to your wallet.

When you receive a dividend payment from an investment, it will fall into one of two categories for tax purposes: qualified or ordinary. The tax…

The 6 Big Retirement Mistakes — and One Way to Avoid Them

From: www.nerdwallet.com

Retirement mistakes can increase the chances of outliving your money. Getting an objective second opinion can help.

One of the biggest retirement mistakes you can make is not realizing what you don’t know.

I regularly hear from people in or near retirement who misunderstand how Social Security works, dramatically underestimate life expectancies or fail…

ETFs Are More Tax-Efficient Than Mutual Funds. Here’s Why.

From: www.thinkadvisor.com

Outflows tend to hurt open-end mutual funds’ tax efficiency, while ETFs tend to be resilient.

Not surprising to any advisor, a key advantage of using ETFs versus mutual funds is the former’s tax efficiency. However, a new Morningstar study explores the sources of ETFs’ tax efficiency verses index mutual funds, and found that ETFs tend to be more tax-efficient…

Common factors affecting retirement income

From: Key Private Bank

When it comes to planning for your retirement income, it’s easy to overlook some of the common factors that
can affect how much you’ll have available to spend. If you don’t consider how your retirement income can be
impacted by investment risk, infl ation risk, catastrophic illness or long-term care, and taxes, you may not be able to enjoy the retirement you envision.

Investment risk

Different types of investments…

Don’t Bother Trying to Pick Stocks

From: us.dimensional.com

New Dimensional research shows that managers usually fall short when they try to outguess market prices. That’s good news for investors.

If markets do a good job of pricing securities, you should expect managers who focus on finding pricing “mistakes” to struggle. Dimensional’s Mutual Fund Landscape 2019 study confirms this principle, showing that most fund managers underperform their benchmarks.1 The results suggest that…

Have you heard these 5 money myths?

From: REAP, LLC. | Retirement & Estate Advisors & Professionals

Has anyone ever made an unfair assumption about your money habits? Was that assumption based on how old you are?

People often look for patterns and trends when it comes to spending and saving, but in reality, your financial approach probably isn’t based on age or decade alone.

What do you think? Do these common beliefs hold true,…

Put Catch-Up Contributions to Work

From: REAP, LLC. | Retirement & Estate Advisors & Professionals

Say you’ve reached your 50s or 60s and wish you’d saved more for retirement. Those work-free years that were once a distant fantasy have almost arrived, and while you’re looking forward to them, you’re also feeling a little nervous.

Why? Well, you don’t want to rely too heavily on Social Security, which probably won’t pay enough for a comfortable…

The Importance of Financial Defense

From: Sound Income Strategies, LLC

The great Alabama coach “Bear” Bryant once said, “Defense wins championships,” and you can bet that almost every great coach in nearly every sport has shared that same philosophy. Just think about some of the great sports dynasties, teams that won championships year after year: the Green Bay Packers under Vince Lombardi, the Boston Celtics under “Red” Auerbach, the Yankees…