FVIM's Insights

News and information about preserving your life savings

Reflecting on the Retirement Journey After Climbing Mount St. Helens

Planning for Retirement
Preparation, a trusted guide, and perseverance—all made a significant impact as my wife and I climbed the majestic Mount St. Helens. Since one has to purchase permits many months in advance, we picked August 2 nd for the big day. For those who live outside the Pacific Northwest, early August usually ensures a high probability that it will be warm a...
Continue reading
  163 Hits
163 Hits

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...
Continue reading
  171 Hits
171 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...
Continue reading
  140 Hits
140 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...
Continue reading
  196 Hits
196 Hits