Some concepts in the financial planning world are intuitive. AnnuitiesA financial instrument that pays the holder a guaranteed stream of payments. The annuity is funded by either a lump sum (one-time) or a series of deposits. Once funded, the sum is invested by the insurance company who sold the annuity (the accumulations phase). After a certain trigger (for example, the holder’s retirement or reaching a certain age) payments begin to be issued to the holder (annuitization phase). Annuity payments may be fixed or variable in both amount and in length (some pay out for a designated span of years, others until the holder’s death)., which often combine investment options with various forms of insurance, are not. As a retirement income tool, they’ve received increasing attention of late, especially after a provision in the SECURE Act—signed into law at the end …
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Join Vice President and Portfolio Manager Steve Johnson for his perspective on the themes and events that drove today’s market activity. If you have questions for Steve, please send them to info@adviserinvestments.com. …
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How should investors think about protecting their gains after the recent market rebound, and when should playing defense become a bigger consideration? EquityThe amount of money that would be returned to shareholders if a company’s assets were sold off and all its debt repaid. Research Analyst Kate Austin discussed defensive allocations to bondsA financial instrument representing an IOU from the borrower to the lender. Bond issuers promise to pay bond holders a given amount of interest for a pre-determined amount of time until the loan is repaid in full (otherwise known as the maturity date). Bonds can have a fixed or floating interest rate. Fixed-rate bonds pay out a pre-determined amount of interest each year, while floating-rate bonds can pay higher or lower interest each year depending on prevailing market interest rates. and markets’ potential to decline again in our recent quarterly webinar*—Take Your Pick: Recession …
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In this issue: Vanguard Plans to Shutter U.S. Value Fund Accolades for Adviser Investments Podcast: The Portfolio Impact of Politics and Pandemic Adviser Investments’ Market Takeaways
Vanguard Plans to Shutter U.S. Value Fund
Last week, Vanguard celebrated the recent 20th birthday of one of its …
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What role do bondsA financial instrument representing an IOU from the borrower to the lender. Bond issuers promise to pay bond holders a given amount of interest for a pre-determined amount of time until the loan is repaid in full (otherwise known as the maturity date). Bonds can have a fixed or floating interest rate. Fixed-rate bonds pay out a pre-determined amount of interest each year, while floating-rate bonds can pay higher or lower interest each year depending on prevailing market interest rates. play in a portfolio, and how do we approach a decision on shifting portfolios more heavily into stocksA financial instrument giving the holder a proportion of the ownership and earnings of a company.? Vice President Steve Johnson discussed our allocation process in our recent quarterly webinar*—Take Your Pick: Recession or Recovery? Please enjoy the excerpt below and …
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Special Report 
Making the Most of Your Charitable Giving
Save Some Money and Do Some Good
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In our latest Today’s Market Takeaways, EquityThe amount of money that would be returned to shareholders if a company’s assets were sold off and all its debt repaid. Research Analyst Kate Austin explains what stockA financial instrument giving the holder a proportion of the ownership and earnings of a company. splits—like what Apple announced last week—mean for investors …
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What role do bondsA financial instrument representing an IOU from the borrower to the lender. Bond issuers promise to pay bond holders a given amount of interest for a pre-determined amount of time until the loan is repaid in full (otherwise known as the maturity date). Bonds can have a fixed or floating interest rate. Fixed-rate bonds pay out a pre-determined amount of interest each year, while floating-rate bonds can pay higher or lower interest each year depending on prevailing market interest rates. play in a portfolio, and how do we approach a decision on shifting portfolios more heavily into stocksA financial instrument giving the holder a proportion of the ownership and earnings of a company.? Vice President Steve Johnson discussed our allocation process in our recent quarterly webinar*—Take Your Pick: Recession or Recovery? Please enjoy the excerpt below and …
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Reverse mortgages garner quite a bit of attention from the media—much of it negative. And that’s appropriate. But it’s not the whole story. Reverse mortgages can be a useful tool in certain situations, so let’s separate the myths from the facts. What is a reverse mortgage? Simply put, it’s a …
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In our newest Today’s Market Takeaways, Vice President Steve Johnson discusses the great divide between a worsening employment picture and strong tech earnings. …
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When markets have had a strong run, we often hear from clients who wonder when the tide might turn and what that would mean for their investments. EquityThe amount of money that would be returned to shareholders if a company’s assets were sold off and all its debt repaid. Research Analyst Kate Austin discussed the risksThe probability that an investment will decline in value in the short term, along with the magnitude of that decline. Stocks are often considered riskier than bonds because they have a higher probability of losing money, and they tend to lose more than bonds when they do decline. in attempting to time the market in our recent quarterly webinar*—Take …
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Special Report
Stock Buybacks: Public Enemy Number One?
Common Misconceptions About Buybacks and How They Impact Your Portfolio
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EquityThe amount of money that would be returned to shareholders if a company’s assets were sold off and all its debt repaid. Research Analyst Kate Austin explains the disconnect between less-than-stellar earnings performance and a strong stockA financial instrument giving the holder a proportion of the ownership and earnings of a company. market in our latest Today’s Market Takeaways. …
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As summer stretches on and mortgage rates hit record lows, vacationers and would-be travelers staying put may find themselves daydreaming about what it would take to turn their favorite mountain, beach or lake home into a permanent family retreat. Of course, buying a second property could have a major impact …
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