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Insights & Perspectives

Six Financial Best Practices for Year-End 2020 Thumbnail

Six Financial Best Practices for Year-End 2020

Has 2020 left you feeling like the fabled Sisyphus, forever pushing a boulder up a steep hill? Thankfully, with multiple COVID-19 vaccines in the works, there’s hope the load will lighten in the new year, fast approaching. While we prepare for a fresh start, here are six financial best practices for year-end 2020 and beyond, none of which require any heavy lifting.

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Presidential Election Reflection Thumbnail

Presidential Election Reflection

With the U.S. presidential election called, and promising news of a COVID-19 vaccine announced, a U.S. market surge reminds us how keen investors are for a sense of closure.

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Lump-Sum Investing vs. Dollar-Cost Averaging Round 2: Actual Outcomes Thumbnail

Lump-Sum Investing vs. Dollar-Cost Averaging Round 2: Actual Outcomes

In round one, we discussed why lump-sum investing is generally expected to generate the highest returns over time. In markets that have risen more, and more often than they’ve fallen, the sooner you deploy your investable assets, the more time they have to grow. That said, general rules don’t always apply to you. Let’s look at when dollar-cost averaging may be preferred after all.

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Lump-Sum Investing vs. Dollar-Cost Averaging Round 1: Raw Returns Thumbnail

Lump-Sum Investing vs. Dollar-Cost Averaging Round 1: Raw Returns

Good news – you have an extra $24,000, and you’ve decided to invest it in the stock market. It’s always nice to have investable cash on hand. But you also might feel as if the pressure is on. Nobody enjoys seeing the market take a dive shortly after they jump in. Unfortunately, we never know when it might do exactly that. What’s an investor to do? Should you go ahead and invest the entire amount right away, or should you invest gradually, such as in 12 monthly installments?

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U.S. Elections & Stock Market Returns Thumbnail

U.S. Elections & Stock Market Returns

As we move through September and into the fall season, the 2020 US election cycle is coming down to the home stretch. No matter where one lands on the political spectrum, it’s helpful to glean insights from past election cycles. Our friends over at Dimensional Fund Advisors shared some interesting investment perspectives in a recent webcast about US elections and historical stock market returns. Here is a short clip from that webcast.

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How to Secure Retirement in Your 50s and 60s Thumbnail

How to Secure Retirement in Your 50s and 60s

A comfortable and financially stable retirement is one of the most important goals for many Americans. However, not many individuals plan for their retirement well during the last decades of employment, making them fall short of achieving their retirement American dream.

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Eight “Best/Worst” Wealth Strategies During the Coronavirus Thumbnail

Eight “Best/Worst” Wealth Strategies During the Coronavirus

For better or worse, many of us have had more time than usual to engage in new or different pursuits in 2020. Even if you’re as busy as ever, you may well be revisiting routines you have long taken for granted. Let’s cover eight of the most and least effective ways to spend your time shoring up your financial well-being in the time of the coronavirus.

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