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


3 Insights into the Millennial Investor

Millennial Investors and their Investing Strategies

Generation Y—also known as the Millennial Generation—refers to the population segment born between the early 1980s and late 1990s. Like most generational cadres, this demographic tends to have a different set of values and preferences than its predecessors, and research[1] indicates that these differences become especially clear when it comes to investing. Already, several themes… Read More


Goldman Sachs Predicts 4.5% 10-year Treasury Yields

bond

Geoff Considine

Goldman Sachs just came out with a prediction that 10-year Treasury bond yields will rise to 4.5% by 2018 and the S&P 500 will provide 6% annualized returns over that same period.  The driver for this prediction is simply that the Fed is expected to raise the federal funds rate. Because rising yields correspond to… Read More


How Much Do You Need to Save for Retirement?

Geoff Considine

In the financial advisory business, one of the most pressing and controversial topics is how much money people need to save during their working years in order to provide for long-term retirement income.  The research on this topic has evolved quite a lot in recent years, and a recent issue of Money magazine features a… Read More


REIT Yield as a Predictor of Future Returns

Geoff Considine

The yield of an asset is a key component of predicting future returns.  This is true for the yield on Treasury bonds as well as the dividend yield for stock indexes.  The yield on aggregate bond indexes is considered a good proxy for future expected returns.  The dividend yield of broad stock indexes has been… Read More


Review of The Affluent Investor by Phil DeMuth

Geoff Considine

I have known Phil DeMuth for a number of years and I admire his common sense and views on many topics.  Phil authored the recently-published book The Affluent Investor that fills a need in the crowded shelves of investment books.  As a financial advisor to high-net-worth families, Phil brings valuable perspective to investors who have… Read More


The Yield Paradox

Geoff Considine

I have been struggling to understand a problem that I am going to refer to as the ‘yield paradox.’  Yields for individual asset classes look low.  The 10-year Treasury bond is yielding about 1.9%, and 30-year Treasury bonds are yielding a similarly paltry 3%.  The S&P 500 is yielding 2.1%, which is very low by… Read More


Apple’s Share Price and Behavioral Finance

Geoff Considine

The price of a share of Apple (AAPL) is almost 30% below the high that it set back in September 2012—about five months ago.  Even before its peak, the price of Apple shares had already made it the most valuable company in history.  In those heady times, Apple shares reached $702.  Today, they are at… Read More


One Advisor’s Approach to Income Investing

John Graves

Editor’s Note:  John Graves has been an independent financial advisor for 26 years. He is one of the two owners of The Renaissance Group, a Registered Investment Advisor based in Ventura, CA.  John’s book, The 7% Solution: You Can Afford  a Comfortable Retirement, was published in 2012.  When I read this book, I was impressed… Read More