During times of stress we naturally feel the urge to do something, if only to create the illusion that we have some degree of control over the situation. But after a market meltdown advisors will tell you (correctly) that selling stocks now would achieve nothing except to lock-in losses. So doing nothing, especially if you…
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As I write this the S&P 500 had ended the day’s trading with a 12% decline. That’s the second greatest one-day loss in its history, and we are sure to hear all about it in the media. We will also be told that the S&P 500 is in “bear market” territory, the term used to…
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With the Coronavirus spreading and equity investors panicking, you might be wondering where this will all lead. Although the Coronavirus itself may be new, it certainly isn’t the first pandemic to strike the world. AIDS first appeared in June 1981. Since then we’ve had SARS, avian flu, swine flu, MERS, Ebola, and Zika, just to…
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Among all the investment products designed to help you manage your savings throughout your retirement, a single premium immediate annuity (SPIA) is unique. For a given upfront investment amount it offers retirees a guaranteed lifetime stream of payments no matter how long they live. (The italics serve to point out that the promised payments could…
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As reported in CIO magazine, the California Public Employees’ Retirement System (CalPERS) terminated 14 out of 17 of its outside equity managers late last year and cut the allocation to outside management from over $33.6 billion to less than $6 billion. That represents a total of $181 billion in equity that will be managed in-house.…
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It’s January and my email inbox is once again flooded with capital market predictions for 2020. Looking back at the “expert” predictions for 2019 made last January, the majority as usual turned out to be wrong. Rather than sharing those predictions that were most egregious (which would be more fun than educational), I thought this…
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