Sequence Risk: Preparing to Retire in a Down Market

“You can’t time the market” is an old maxim, but you also might say, “You can’t always time retirement.”

Market losses on the front end of retirement could have an outsize effect on the income you receive from your portfolio by reducing the assets available to pursue growth when the market recovers. The risk of experiencing poor investment performance at the wrong time is called sequence risk or sequence-of-returns risk. Continue reading “Sequence Risk: Preparing to Retire in a Down Market”

Put Your Thinkin’ Caps On!

Note:  There is an assignment at the end of this 🙂

I am sharing this great article, from my colleague, Jean Long Manteufel, who is CEO of Transitions with Jean.  She helps Seniors make transitions in their living quarters, be that making their homes saver, or moving to assisted living.  She always has valuable insights to share.  Please read on about some ways to “transition” our holiday celebrations! Continue reading “Put Your Thinkin’ Caps On!”

Five Tips to Regain Your Retirement Savings Focus in 2021

In early 2020, 61% of U.S. workers surveyed said that retirement planning makes them feel stressed.1 Investor confidence was continually tested as the year wore on, and it’s likely that this percentage rose — perhaps even substantially. If you find yourself among those feeling stressed heading into the new year, these tips may help you focus and enhance your retirement savings strategy in 2021.  Continue reading “Five Tips to Regain Your Retirement Savings Focus in 2021”

Medicare Open Enrollment for 2021 Begins October 15

The annual Medicare Open Enrollment Period is the time during which Medicare beneficiaries can make new choices and pick plans that work best for them. Each year, Medicare plan costs and coverage typically change. In addition, your health-care needs may have changed over the past year. The Open Enrollment Period — which begins on October 15 and runs through December 7 — is your opportunity to switch Medicare health and prescription drug plans to better suit your needs.

During this period, you can: Continue reading “Medicare Open Enrollment for 2021 Begins October 15”

What History Tells us About US Presidential Elections and the Market

Our colleagues at Dimensional Funds shared these stats with us, so we thought it a prudent time to share the information here,  on our weekly blog.

  • It’s natural for investors to look for a connection between who wins the White House and which way stocks will go. But as nearly a century of returns shows, stocks have trended upward across administrations from both parties.
  • Shareholders are investing in companies, not a political party. And companies focus on servicing their customers and growing their businesses, regardless of who in the White House.
  • US presidents may have an impact on market returns, but so do hundreds, if not thousands, of other factors – the actions of foreign leaders, a global pandemic, interest rate changes, rising and falling oil prices, and technological advances, just to name a few.
  • Stocks have rewarded disciplined investors for decades, through Democratic and Republican presidencies. It’s an important less on the benefits of a long-term investment approach. 

Continue reading “What History Tells us About US Presidential Elections and the Market”