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Buffer ETFs: Downside Protection in Uncertain Markets
Executive Summary Buffer ETFs offer a strategic option for investors seeking to balance risk and reward, particularly in volatile markets. Buffer ETFs are specialized exchange traded funds designed to provide investors with downside protection while capping potential gains. They achieve this by investing in a stock market index, such as the S&P 500, and utilizing…
July 31, 2024
Historic Underperformance Nearing an End?
The S&P 500 is a market capitalization weighted index, meaning that larger companies have a higher weighting in the index and therefore can have a greater impact on returns. In 2023, the Magnificent 7 (Mag 7) dominated the S&P 500 returns. The Mag 7 made up approximately 30% of the S&P 500 and consisted of…
July 8, 2024
The 4% Rule – What is it and Should You Use it to Plan for Retirement?
If you are in or near retirement, one of your main concerns is how to survive financially without a paycheck. After factoring in social security and pensions, the balance of your spending needs have to come from your investment assets. How much can you withdraw from those assets and maintain your standard of living through…
February 7, 2024
Confused About the Economy and Stock Market? You’re Not Alone!
By Rick Zivi on 10/19/2023 Economy Issues Here are just a few negative items affecting the economy: Over the last 18 months, the Fed has raised the Fed Funds Rate from 0.25% to 5.25%. In public addresses, they have promised to keep rates “higher for longer”. The 3 month treasury bill is yielding 5.5%.…
October 19, 2023
Fears and Opportunities
Is a Recession Coming? Safe Places to Stash Cash… A Word About Schwab… Soft Landing or Recession? There are many economic indicators that show weakness in the economy, but the Conference Board’s Leading Economic Indicators (LEI) brings everything together to give a complete picture of where the economy is heading. Here is a description…
April 27, 2023
SECURE 2.0 – What it is and how it affects you
SECURE 2.0 was signed into law by President Joe Biden on Friday, December 29, 2022. While the changes in Secure 2.0 are not as drastic as those in the original SECURE Act from 2019, there are several items that will affect retirees. Most of the provisions, however, impact workers and employer plans. Secure 2.0 includes…
February 15, 2023