Category Archives: Personal Finance

  • Stock Market Reactions to War and Terrorist Attacks: A Historical Analysis

    The stock market is often seen as a barometer of a nation's economic health and stability. Unsurprisingly, geopolitical events such as wars and terrorist attacks can lead to significant volatility. This article explores how key stock markets have reacted in the immediate aftermath of such events and the ensuing days and weeks, focusing on specific historical incidents ... Read More

  • Effective Portfolio Risk Management in Volatile Markets

    At the heart of effective risk management lies a deep understanding of portfolio risk. Portfolio risk encompasses the potential for fluctuating returns due to the dynamic and often unpredictable nature of investments. It includes various forms of risk such as market volatility, credit risk, liquidity risk, and event-driven disruptions,. Each posing unique challenges to the stability and performance of an investment portfolio. This inherent uncertainty in achieving expected returns necessitates a strategic approach to asset allocation and diversification, aiming to balance the scales of risk and return ... Read More

  • Managing Your Tax Risk with Diversification

    Managing the volatility of investment assets by creating a diversified portfolio is one of the basic principles of investing. Dividing up your investments by asset classes can help you create the income stream you need, once you become dependent on your savings and investments in retirement. Your goal is to create a risk-adjusted return that you can live on, but that is also a balance of selecting investments that allow to you sleep at night, but also keep you from missing out on potential upside ... Read More

  • Financial Planning Principles: Organizing Your Money for a Secure Future

    Getting organized, including managing finances, is one of those goals that seems life-changing if you could achieve it. Yet, it always feels just out of reach. The desire for organization is the basis of a very big industry that covers everything from super engaging software tools to the resurgence of old-school paper-based planners and journals to shelving, closets, and storage for everything and every room in your house. The process can be enjoyable, and the results can make your life feel more in control and can make your space less cluttered. The problem is that humans seem to always get more stuff, or they get busy and don’t put the stuff back where it belongs. Additionally, there's a very understandable reluctance to part with possessions ... Read More

  • Are Consumers Finally Going to See Price Decreases?

    Inflation has had a significant impact on consumers over the past 12 months, leading to rising consumer prices for goods and services. This has resulted in increased costs for everyday necessities. Making it more challenging for consumers to maintain their purchasing power and meet their financial needs ... Read More

  • Social Security Strategies for Married Couples

    Have you thought about what age you will claim social security benefits? As you get closer to retirement, it’s surprising how that question can be a real conversation starter. Social security may not provide the lion's share of your retirement income, but it’s a key piece of the retirement puzzle because it’s predictable income with tax advantages. ... Read More

  • Financial Wellness Is Wellness

    Wellness, in all its many facets, is increasingly becoming part of daily life. It's a holistic, whole-life approach that involves optimizing our physical, mental and emotional fitness. The goal is to have a healthy, fulfilling, active life with joyful relationships and experiences. Taking time for self-care and accessing resources to help you are all popular methods to achieve wellness. What's often missing is the financial dimension. Even worse, finances may be seen as in opposition to achieving wellness, as a scarcity or saving mindset may mean making sacrifices rather than choices ... Read More

  • Delving into Leverage: A Closer Look at its Impact on Fund Risk

    Leverage plays a significant role in shaping the risk profile of funds. Understanding how leverage can add risk to a fund and why it is utilized is crucial for investors seeking to make informed decisions. In this article, we will delve into the intricacies of leverage and its impact on fund risk, providing a comprehensive guide for investors looking to navigate the complexities of this important investment strategy. With a focus on providing expert insights and attention to detail, we aim to equip investors with the knowledge necessary to make sound investment choices ... Read More

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