The stock and bond markets have had spectacular returns since the trough of the market on Christmas eve 2018. The stock market (S&P 500) is now up 44.7% and the bond market (Bloomberg Barclays US Aggregate Bond Index) is up 9.6%. While investors have no doubt enjoyed these returns, they should be aware of the potential for an unintended, and potentially unwanted, consequence of strong markets.
That goal sounds great; however, retirement and longevity planning can be difficult. While our future is filled with a host of unknowns (family needs, life span, capital market returns, inflation), they should never prevent you from creating a plan. Retirement planning no longer adheres to old methods, outdated assumptions or simple rules of thumb. Here are some big picture concepts that retirees or future retirees should keep in mind when beginning the planning process.
The return of volatility to the market is real and may cause investors to feel uncertain and fearful, compelling them to make portfolio changes. Do not overreact—staying the course may be your best strategy; however, this assumes you have a formalized investment plan in place. To help you chart your course, we’d like to offer you 5 sound investment fundamentals.
With the 2018 tax law changes, many individuals may find themselves no longer in a position to itemize deductions. If you have appreciated securities, held for longer than twelve months, donating them to the Donor Advised Fund (DAF) can increase both your tax savings and the amount that the charity receives.
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