Retegy Blog
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covering everything from budgeting and saving to investing and retirement.
Investments
Build a secure financial future for yourself and your family with our comprehensive resources
on personal financial planning, including tips, tools, and strategies for achieving your financial goals.
Making Investment Decisions
Are your choices based on evidence or emotion?
When it comes to investing, many people believe they have a “knack” for choosing good investments. But what exactly is that “knack” based on? The fact is, the choices we make with our assets can be strongly influenced by factors, many of them emotional, that we may not even be aware of.
Creating a Retirement Strategy
Most people just invest for the future. You have a chance to do more.
Across the country, people are saving for that “someday” called retirement. Someday, their careers will end. Someday, they may live off their savings or investments, plus Social Security. They know this, but many of them do not know when, or how, it will happen. What is missing is a strategy – and a good strategy might make a great difference.
The Investment Risk You May Not Know About
What can you do to allay this risk?
Knowledgeable investors are aware that investing in the capital markets presents any number of risks – interest-rate risk, company risk, and market risk. Risk is an inseparable companion to the potential for long-term growth. Some of the investment risks we face can be mitigated through diversification.
The Anatomy of an Index
The S&P 500 represents a large portion of the value of the U.S. equity market
Did you know that nearly $10 trillion in assets are benchmarked to the Standard & Poor’s 500 Composite Index, including about $3.5 trillion in index assets?1
Think Total Return
Never touch your principal in retirement? Think again.
More than a century ago, an American financial archetype emerged – the household that lived on the interest earned by its investments, never touching its principal. Times have changed. While the Vanderbilts, Carnegies, and Rockefellers could do that back in the Gilded Age, you will likely face a tough challenge trying to do the same in retirement. The reason? Low-interest rates.
What is the Sequence of Returns Risk?
A look at how variable rates of return do (and do not) impact investors over time.
What exactly is the “sequence of returns”? The phrase simply describes the yearly variation in an investment portfolio’s rate of return. Across 20 or 30 years of saving and investing for the future, what kind of impact do these deviations from the average return have on a portfolio’s final value?
Your Diversified Portfolio vs. the S&P 500
How global returns and proper diversification are affecting overall returns.
“Why is my portfolio underperforming the market?” This question may be on your mind. It is a question that investors sometimes ask after stocks shatter records or return exceptionally well in a quarter.
Investing Means Tolerating Some Risk
That truth must always be recognized.
When financial markets have a bad day, week, or month, discomforting headlines and data can swiftly communicate a message to retirees and retirement savers alike: equity investments are risky things, and Wall Street is a risky place.
The Flattening of the Yield Curve
Why are investors and economists getting nervous about Treasury yields?
What is the yield curve, and why is the financial media writing about it? Here is a brief explanation, starting with a clarification.
