Making Sense of Economic Data

Making sense of economic data provided by the government, markets, and media.

The Non-Farm Payroll Report. Crude inventories. The Federal Open Market Committee Minutes. If you aren’t an economist or passionately devoted to the financial media, you might have no clue what those are. But the reality is, if you’re an investor in the global marketplace and you own stocks and bonds, your money is likely reacting… Read More


Income Investors Are Feeling the Squeeze

How Income Investors Can Manage Their Investment Portfolio in Today's Economic Environment

Investors have been finding it increasingly difficult to generate income in their investment portfolios. This is a problem that impacts many people who rely on portfolio income to live on or to supplement the income they receive from other sources, such as social security and pensions. When interest rates are higher, options for investment income are… Read More


Will the Current European Economy Affect Your Investment Portfolio?

European Economy

Collectively, the European Union (EU) has the largest economy in the world as measured by gross domestic product (GDP). Last year the total value of all goods and services produced within the 28-member EU totaled 14.3 trillion euros, according to the International Monetary Fund.[1] But the European economy has been languishing, and due to its… Read More


How Bond Market Investors Cope in a Low-Rate Environment

Bonds

It’s understandable that bond market investors might be frustrated at this point in time. Most already have lower total return expectations than stock market investors, which they accept in exchange for lower overall levels of risk and regular interest payments. However, the total return expectations within the bond market have become so low that investors… Read More


What to Consider When Creating a Diversified Investment Portfolio

diversified portfolio

Building an investment portfolio is a very personal process. Before jumping into a variety of different asset classes and market sectors, you need to first determine your overall goals and your tolerance for risk. Are you saving to buy a house in three years, or for retirement that may be twenty years down the road?… Read More


A Primer on Portfolio Rebalancing

A Primer on Rebalancing

If you’re a successful long-term investor, you take great care in aligning your investments to an asset allocation that’s appropriate for your goals. Shouldn’t you care just as much about keeping that asset allocation on target? The “buy and hold” approach to investing appeals to many, and for some good reasons. But the fact is,… Read More


Retirement Income and Systematic Withdrawals

Retirement Income and Systematic Withdrawals

There’s no shortage of articles about the process of accumulating wealth. We spend our working years deferring part of our incomes into retirement plans and establishing various investment strategies to grow and protect our assets. However, there’s less discussion about the process of distributing our money back out to ourselves in the most effective way… Read More


Is the Fed Really “Stealing from Savers”?

OLYMPUS DIGITAL CAMERA

Geoff Considine

In a recent article on MarketWatch, Chris Martenson asserts that the Fed’s low interest rate policy and quantitative easing in recent years is deliberately stealing from savers. This article has elicited a big response, with almost 800 comments and almost 2000 likes on Facebook. The key point of the article is that the Fed’s policy… Read More


Are My Investment Decisions Tax Efficient?

Close up Business background

Geoff Considine

This is the eighth installment in our series on how individual investors can assess their financial health With investment gains, as with other types of income, it’s not how much you make that ultimately matters, but how much you keep.   In other words, you only get to spend what’s left after you pay taxes. There… Read More