A few weeks ago, we discussed interest rates, the 10-Year Treasury Notes and short-term bonds. We briefly mentioned floating rate bonds, a subject to which we return today. To review, in a rising interest rate environment, bonds will lose value. Why? Investors want...
“Did I ever tell you the story about the magic of compounding?” That’s what you should ask your recent college graduate when you give her a Roth IRA contribution for graduation. It’s possible she won’t listen, but years from now she’ll be very grateful. The power of...
If you follow interest rates, you may have noticed that the 10-year Treasury note recently closed above 3.00% first time since December 31, 2013. So, what does this mean to you? Let’s start by noting that bond yields rise when bond prices drop. So, when the yield on...
Imagine that someone has worked for forty years for a company, and is retiring with a pension and shares of stock in that company. If you are among the majority of Americans who do not have a company pension, you might find this scenario rather appealing. But, if that...
This June, Intel will be transferring the administration of employee stock accounts from UBS to eTrade. Intel employees who currently have an account at UBS can choose to keep it, and not have it moved to eTrade. However, all future Intel shares – from RSUs, ESPPs,...
Yesterday one of our clients asked us for the cost basis for a corporate bond that had been in her portfolio. It matured last year (2017) and the principal was returned to our client. Her CPA was working on her taxes and needed to know what our client originally paid...
The dissolution of a marriage is often a very stressful and challenging process, and decisions on dividing retirement assets can often exacerbate things, as this nest egg usually represents the couple’s largest resource base. And making mistakes when splitting these...
So, you’ve managed to save enough to retire and spend the rest of your life doing things that really matter to you. If you’re like most Americans, and did not work in the public sector, you probably don’t have a pension from your prior employer(s). Instead, you saved...
Economists tell us that there are a few things that can derail a strong economy. The government can raise taxes. The central bank (i.e. Federal Reserve) can raise interest rates. Prices can jump (i.e. inflation). War can break out. The U.S. economy has been performing...
The long-running battle for the interests of American investors continues. Imagine that your doctor writes you a prescription for a certain medication – even though a better, less expensive option is available – and receives a commission from the drug company for the...
A few weeks ago we noted that Congress, though the 2017 Tax Cuts and Jobs Act, allowed owners of 529 education plan accounts to pay for private school tuition for kindergarten through 12th grade. Funds taken from a 529 plan to pay for private school will not be...
Until Congress passed the Tax Cuts and Jobs Act last December, investors were able to deduct the fees associated with the professional management of their investments. These fees were deductible to the extent that the taxpayer's total miscellaneous itemized deductions...
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