FVIM's Insights

News and information about preserving your life savings

You, Your Financial Well-Being and the Federal Reserve

Long-Term Investing
Beginning in December 2016, the U.S. Federal Reserve (the Fed) had been gradually ratcheting up the federal funds rate, until it reached its December 2018 level of 2.25–2.50% . Effective August 1, 2019, that changed: The Fed lowered the federal funds rate by a quarter point, to 2.20–2.25% . Even though the announcement was not a huge surprise, it w...
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36 Hits

3 Tips to Improve Decision Making for Your Investment Plan

Disciplined Investing
Amid tariff wars and temporary truces, Brexit bewilderment and historic Hong Kong rallies, the global thermometer isn't the only gauge that may leave you and your investment temperament reeling between cooling chills and hot thrills this summer. Let's take a refreshing journey back to May 2018, when the CFA Institute hosted its 71 st Annual Confere...
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64 Hits

Investing for Retirement Income: Straw, Sticks or Bricks? Part III: Total-Return Investing for Solid Construction

Sustainable Retirement Income
As we've discussed in the first two parts of this three-part series, we do not recommend turning to dividend-yielding stocks or high-yield ("junk") bonds to buttress your retirement income, even in low-yield environments. So what do we recommend? Today we'll answer that question by describing total-return investing . Part III: Total-Return Investin...
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  129 Hits
129 Hits

Investing for Retirement Income: Straw, Sticks or Bricks? Part II: High-Yield Bonds - Sticks and Stones Can Break You.

Sustainable Retirement Income
In Part I of our three-part series on investing for retirement income in low-rate environments, we explained why we don't advise bulking up on dividend-yielding stocks as a reliable way to generate retirement cash flow. Like the Three Little Pigs' straw house, dividend-yielding stocks can disappoint you by exhibiting inherent risks just when you mo...
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  181 Hits
181 Hits