Author Archives for Marc Jimenez, CFA, CFP®

The Impact of Low Rates

March 11, 2020 10:00 am Published by Comments Off on The Impact of Low Rates

Last week, we saw market movements that signaled a low-yield environment. Since then, rates have continued to fall.  Currently the 10-year treasury is trading close to 50bps and the entire yield curve is pricing at below 1% for the first time in history. Although these unprecedented movements may reflect more short-term fears, we believe they should motivate a revaluation of traditional... View Article


Should I Be Buying or Selling Stocks Now

March 2, 2020 10:00 am Published by Comments Off on Should I Be Buying or Selling Stocks Now

It seems investor sentiment has quickly changed since the beginning of the year, not to mention from just about 10 days ago as witnessed by the recent stock market decline. Many argue “why” this has happened and here’s a quick look at the potential reasons: Coronavirus: Most argue this is the primary reason for the recent market sell off. Its certainly terrible what is happening across... View Article


How Much Income is Enough

February 19, 2020 9:00 am Published by Comments Off on How Much Income is Enough

Everyone has a different value of a dollar. Regardless of how we view our investments, manage our liabilities, claim our social security benefit, and many other financial decisions, the illusion of wealth is real. If given the choice of receiving $100,000 at the start of your retirement or $500 per month for the duration of your retirement, which would you... View Article


Will I Have Enough

January 16, 2020 11:00 am Published by Comments Off on Will I Have Enough

Many investors in retirement have certain goals in common: more money rather than less, minimal wealth volatility, and enough financial cushion to cover the extra costs of, hopefully, living a very long life. Retirees have generally tried to meet those goals with a simple rule of thumb: hold a balanced stock/bond portfolio and withdraw at a sustainable rate. Historically this... View Article


The Great Market Plunge of 2019

January 16, 2020 10:00 am Published by Comments Off on The Great Market Plunge of 2019

It was in this letter exactly a year ago that we sought to provide some perspective about the steep decline stocks had just experienced in fourth quarter 2018. Over the course of just a few trading sessions in December, the Dow Jones Industrial Average declined 12%, and the Russell 2000 small stock index fell 14%. The plunge sent the major... View Article


Your Future Self in 2020

December 12, 2019 8:00 am Published by Comments Off on Your Future Self in 2020

Take a minute to think about your birthday this coming year. Who will be there with you? What will you be doing? What will you be eating, and maybe more importantly, what will you be drinking? Now, think ahead and do the same for your birthday in 20 years’ time. What does the scene look like? Who is there? What... View Article


We Struggle to Act Responsibly

November 21, 2019 8:00 am Published by Comments Off on We Struggle to Act Responsibly

It’s no surprise that people often struggle to act responsibly, even when they know better. They charge too much on their credit cards, eat ice cream for breakfast and skip the gym. Many of these self-control issues are driven by present bias, which is the tendency to make choices that are distorted by the prospect of an immediate reward. Here... View Article


Don’t Just Sit There – Do Something

October 10, 2019 10:00 am Published by Comments Off on Don’t Just Sit There – Do Something

It has been said that golf is an easy game, it’s just hard to play. Much the same could be said of investing. The principles of long-term investment success aren’t particularly complicated. Construct a well-diversified portfolio appropriate for your risk and return needs. Stay the course and let compounding work its magic over time. Easy, right? And yet…it isn’t. Emotions... View Article


Financial Planning Beats Market Volatility

September 19, 2019 8:00 am Published by Comments Off on Financial Planning Beats Market Volatility

In recent days the increase in volatility in the stock market has resulted in renewed anxiety for many investors. While it may be difficult to remain calm during a substantial market decline, it is important to remember that volatility is a normal part of investing. Additionally, for long-term investors, reacting emotionally to volatile markets may be more detrimental to portfolio performance than... View Article


Has a Global Recession Arrived

August 21, 2019 8:00 am Published by Comments Off on Has a Global Recession Arrived

Some claim that a global recession has begun following a lot of the recent economic data. Others might argue that major problems only exist overseas, and signs of any recession is not present in the United States. Regardless of who is right, we expect a recession won’t be confirmed until twelve months or longer after the fact. This is similar... View Article