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8 Qualifications to Meet SBA 7(a) Loan Requirements

The U.S. Small Business Administration (SBA) helps small businesses lock in funding by setting guidelines for loans and reducing lender risk. SBA..

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Two women looking at paperwork

What’s the Difference Between a Will and a Trust?

Estate planning is an important subject that almost everyone—but especially older people—needs to address. Many believe that estate planning is for..

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Woman smiling at her phone

The Answers to 4 Frequently Asked Questions About Roth IRAs

If you have typed your questions about Roth IRA retirement plans into Google, you have most likely come across articles from the IRS that detail the..

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chart shows that from 1940 to 2015 life expectancy went up 15 years and the average years spent in retirement went from six to 37.

37 Years of Retirement

Today’s chart from BlackRock shows that from 1940 to 2015 life expectancy went up 15 years and the average years spent in retirement went from six to..

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screen that represents numbers of the stock market

May 2022 Market Update

Below are a couple of my thoughts on the market.

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chart shows that eight companies make up half of the stock market’s 14% decline year to date

Top Heavy = Top Losses

This chart is from today’s Wall Street Journal. Because of their heavy weights in the S&P 500 index, eight companies make up half of the stock..

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chart shows that the overall index is down 18% from all-time highs.

Diversification Saves in Down Markets

The Russell 3000 Index is made up of the largest 2,750 stocks in the United States.

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Group of people going over paperwork

Which Estate Planning Documents Do I Need?

Estate planning is the process of deciding who will receive an individual’s assets, who will manage their financial affairs if incapacitated, and..

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chart shows income worldwide

Daily Median Income for World

From 2001 to 2017, the daily median income doubled for everyone in the world.

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This chart shows the price for $1 in earnings from all the companies in the S&P 500 index for the last 20 years

Selling Low

The rule of thumb is to buy low and sell high.

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Updated U.S. Persistence Scorecard

Winning is Hard, Staying a Winner is Even Harder

S&P Dow Jones Indices has published their updated U.S. Persistence Scorecard. A mere 2.2% of actively managed U.S. domestic equity funds in the top..

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 top chart shows that over the last 15 years the stock market was the place to be, bottom chart shows real estate performed better over 30 years

Real Estate vs. Stock Market

Past performance is no predictor of future success, but it is interesting to compare the past performance of different investments. These charts show..

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chart shows the spread between best and worst performing sectors

Best vs. Worst

Some investment managers promote a strategy called “Sector Rotation” where they try to time the market by trading between the 11 major sectors of the..

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chart shows the level of dividends for all the stocks in the S&P 500

Sale and Dividends

There are two ways to make money in stocks:

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Chart shows risk of large single stock holdings

100% of the Time

I think about this chart often during discussions with clients on having too much exposure to single stocks.

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8 Qualifications to Meet SBA 7(a) Loan Requirements

The U.S. Small Business Administration (SBA) helps small businesses lock in funding by setting guidelines for loans and reducing lender risk. SBA loan programs provide financial support to small businesses by helping build capital, recover from disasters, purchase real estate, and more.

More

What’s the Difference Between a Will and a Trust?

Estate planning is an important subject that almost everyone—but especially older people—needs to address. Many believe that estate planning is for those with substantial means. However, estate planning determines how an individual’s assets are preserved, distributed, and managed, so even people with assets limited to a residence, bank accounts, and a retirement plan need to form a plan. 

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The Answers to 4 Frequently Asked Questions About Roth IRAs

If you have typed your questions about Roth IRA retirement plans into Google, you have most likely come across articles from the IRS that detail the retirement plans in ways that aren't exactly reader friendly. 

Sometimes, the easiest way to understand Roth IRA retirement plans is to have a question and answer session with a knowledgeable source. Consider this blog post one of those “conversations.” 

Here are four frequently asked Roth IRA questions and answers.

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37 Years of Retirement

Today’s chart from BlackRock shows that from 1940 to 2015 life expectancy went up 15 years and the average years spent in retirement went from six to 37.

More

May 2022 Market Update

Below are a couple of my thoughts on the market. 

More

Top Heavy = Top Losses

This chart is from today’s Wall Street Journal. Because of their heavy weights in the S&P 500 index, eight companies make up half of the stock market’s 14% decline year to date. It is notable that the value index was only down 3%, while the technology-heavy growth indexes are down 25%. As usual, the S&P 500, which includes both, splits the difference.

More

Diversification Saves in Down Markets

The Russell 3000 Index is made up of the largest 2,750 stocks in the United States.

More

Which Estate Planning Documents Do I Need?

Estate planning is the process of deciding who will receive an individual’s assets, who will manage their financial affairs if incapacitated, and settle the estate after death. Estate planning is necessary for anyone who owns property that they wish to pass down to a relative, close friend, or charitable interests, and to name a guardian for minor children or provide care for pets. 

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Daily Median Income for World

From 2001 to 2017, the daily median income doubled for everyone in the world.

More

Selling Low

The rule of thumb is to buy low and sell high.

More

Winning is Hard, Staying a Winner is Even Harder

 

S&P Dow Jones Indices has published their updated U.S. Persistence Scorecard. A mere 2.2% of actively managed U.S. domestic equity funds in the top quartile for 12 months performance at the end of 2019 stayed ahead of three-quarters of their peers when measured two years later.

More

Real Estate vs. Stock Market

Past performance is no predictor of future success, but it is interesting to compare the past performance of different investments.

These charts show the value of $100 invested in real estate (red) and the stock market (blue.)

The chart above shows that over the last 15 years, the stock market was the place to be.

More

Best vs. Worst

Some investment managers promote a strategy called “Sector Rotation” where they try to time the market by trading between the 11 major sectors of the economy. The gains can be tempting, but the risk is high. For instance, if you owned all energy stocks, you would be up +40% year to date, but if you thought communications was the place to be, you would be down -20%. This is a possible difference of 60% in your returns. According to the chart, which includes more sub sectors, the difference is the highest since 2000.

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Sale and Dividends

There are two ways to make money in stocks:

More

100% of the Time

I think about this chart often during discussions with clients on having too much exposure to single stocks.

More