In his State of the Union address this week President Trump touted the “great” U.S. economic performance during the first two years of his presidency as one of his key accomplishments. Although he did not mention U.S. stock market performance in the speech (likely because it did so poorly last year), he is also on…
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Among all the different types of investments available these days, U.S. Treasury bills, notes, and bonds are the only securities considered risk-free. Given the current volatility stock markets worldwide are experiencing, it’s natural for investors to start thinking about adding treasuries to their portfolios to mitigate the risk. The decision, though, is a bit complex…
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As a result of the passage of the Tax Cuts & Jobs Act in 2017, taxpayers (especially in California) may find themselves losing some of the deductions they used to get for charitable contributions on their 2018 taxes. Let’s use a simple example to explain this. Suppose you are married and have the following annual…
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Most 529 and 401(k) plans offer a pretty broad range of U.S. stock mutual funds. There are large cap funds, small cap funds, value and growth funds, actively managed vs. passively managed funds, and occasionally even industry sector funds. When it comes to bond funds, however, most plans limit you to just one fund that…
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This has not been a happy holiday for the U.S. stock market. As of this writing the S&P 500 is down about 20%. The month of December is on track to be the worst for stocks in 50 years, and the large market drop the day before Christmas, ordinarily a quiet trading session, was record-breaking.…
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Are you holding a variable annuity (VA) that you purchased some time ago from an enthusiastic insurance salesperson? It behooves you to periodically review it to see if its purpose, cost, and value are still aligned with your financial goals. Below are some steps you can take to better understand what you bought and whether…
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