Market Commentary: Winter 2024 – ‘Tis the Season for Forecasts

Additionally published in North Bay Business Journal Towards the end of each year, it is common to see financial forecasts being issued for the year ahead. Market analysts and financial pundits put forth estimates of where the market will end the year and how the economy will perform. They will give inflation targets and notes […]

Read More… from Market Commentary: Winter 2024 – ‘Tis the Season for Forecasts

Market Commentary: Fall 2023 – The Pitfalls of High-Yield Savings Accounts

An Illusion of Safety Over the past 18 months or so, we have seen an extraordinary increase in interest rate earnings from all types of fixed income products. In January of 2022, it was difficult to find bank savings account rates above 0.10%; in today’s market however, you can find FDIC insured savings accounts and […]

Read More… from Market Commentary: Fall 2023 – The Pitfalls of High-Yield Savings Accounts

Market Commentary: Spring 2023 – March Madness

This past quarter provided a shock to our system with the first run on a major bank since the Great Recession in 2008-09. It reminded us of how tenuous (and yet, at the same time surprisingly robust) our banking system often is as well as how shocks to the financial markets can come, seemingly, out […]

Read More… from Market Commentary: Spring 2023 – March Madness

Market Commentary: Winter 2022 – Fear of Missing Out

Sometimes it can be difficult to remain a disciplined investor. Over periods of time, a diversified buy-hold-rebalance strategy can seem like it is not performing as well as it should, especially when we see some other “hot investment” making headlines. It can lead us to wonder if we may be missing out on some new […]

Read More… from Market Commentary: Winter 2022 – Fear of Missing Out

Market Commentary: Fall 2022 – Bad Year for Bonds

Originally published in North Bay Business Journal For investors, it has been a trying year: Both stocks and bonds have been down at the same time, which is not common. It is quite rare for bonds to be down in any material way during periods of stock market decline. To put this into perspective, the […]

Read More… from Market Commentary: Fall 2022 – Bad Year for Bonds

Market Commentary: Summer 2022 – Thoughts on Diversification

Diversification. We use this word a lot when we describe how the best portfolios are constructed, and it’s one of the keys to a successful investment strategy. The main idea is that a properly diversified portfolio will mitigate losses because different investments react to the same event in different ways. Our portfolios are comprised of […]

Read More… from Market Commentary: Summer 2022 – Thoughts on Diversification

Market Commentary: Spring 2022 – Cash, Stocks, and Bonds

Originally published in North Bay Business Journal The onset of inflation has been one of the dominant stories in the press and financial markets over the past few months. You can see it everywhere, from the increase in the price of gas at the pump to the cost of food at the grocery store. After […]

Read More… from Market Commentary: Spring 2022 – Cash, Stocks, and Bonds

Market Commentary: Fall 2021 – Homeowner’s Insurance

Homeowner’s insurance is one of those topics that garner little interest from most people. Copies of declaration pages and notices from insurance companies often sit unread or barely glanced at until times of need. The details are dry, and the numbers and terms used are a challenge to understand. For most, it is more a […]

Read More… from Market Commentary: Fall 2021 – Homeowner’s Insurance

Market Commentary: Summer 2021 – Inflation: It’s Back

INFLATION: IT’S BACK The May release of the Bureau of Labor Statistics’ inflation data was an eye opener: the benchmark “CPI-U”, or the Consumer Price Index for All Urban Consumers, was up 5% year-over-year – a substantial increase over the 1.8% average we have seen over the past decade. It was a wake-up call that […]

Read More… from Market Commentary: Summer 2021 – Inflation: It’s Back