by Springwater Wealth | Jul 25, 2024 | Investment Management, Wealth Management
One of the big talking points of target date funds (or TDFs) by the companies who manage them is that they eliminate the “guesswork” of asset allocation for investors. The only problem is that their guesswork too often leaves a lot to be desired. It doesn’t make sense...
by Springwater Wealth | Aug 27, 2019 | Newsletter
Unless you follow the global capital markets, you’re probably not aware that investors all over the world are currently receiving negative yields on their investments in bonds. In the United States, government agencies and corporations still have to pay a positive...
by Springwater Wealth | Jun 19, 2019 | Newsletter
With so many talking heads in the financial media discussing the fact that the ten-year US Treasury bond interest rate is now below the three-month Treasury rate, we thought we would give some context. An inverted yield curve happens when shorter-duration Treasuries...
by Springwater Wealth | Apr 16, 2019 | Newsletter
If you grew up in the Christian church, as many Americans have, you probably vaguely remember the story of the Four Horsemen. These Horsemen are referenced in the Book of Revelations, the last book of the New Testament of the Bible. Theologians differ on what these...
by Springwater Wealth | Jan 22, 2019 | Newsletter
There is an old adage for investors that goes something like, “It’s not what you earn, but what you keep, that matters”. This of course relates to expenses like commissions and fees, but it’s primarily about taxes. After all, taxes are one of the few aspects of...
