People often overlook the importance of taxes in their investment planning. They also don’t often maximize the use of IRAs and 401ks in their tax planning. It is not just about how much money you invest in your IRAs; it is also about which types of assets go in which types of accounts. Do you put the same mix of investments in all your accounts, or do you put your bonds in one type of account and stocks in another? For that matter, should you have some of your savings in a taxable account if you already have a lot of your money tied up in IRAs? These are important questions, and the answers can be surprising and can change with your age. If you have not discussed these kinds of questions with an advisor before, you should read on.
Articles & Whitepapers
Market analysts can be so fixated on the short-term impact of a recession, that they may miss some important long-term trends that the inflation spike and recession fears are masking. The dual hit of the COVID pandemic and the resurgence of a Cold War environment are causing changes to the corporate supply chains and free trade that have been rapidly globalizing for the last three decades. The question we are asking this quarter is, have we hit a fundamental, decade-long inflection point where higher interest rates are sustained, corporate profits become constrained, and the risk appetite for stocks and bonds becomes more restrained?
Volatility has buffeted the markets over the last few quarters. Stock markets around the world have been hammered by the Ukraine war, inflation, interest rate increases, and the continued supply chain problems. Yet the usual safe haven – bond investing – has also been fraught, as bond prices also go down in value as interest rates rise. So what is a long-term investor supposed to do? Firstly, don’t panic. In this quarter’s white paper, we are focusing on the ‘normality of volatility’ and the importance of understanding fundamental value of assets when confronting volatility. We explore the human element: why do assets move so sharply above and below their fundamental value? We will take a 30,000-foot view of market forces to get some perspective on how common this kind of asset fluctuation is to markets. Fasten your seat belts, because we are experiencing a bit of turbulence as hot air trading gives way to a cold front of fundamental value.
As a result of Russia launching a full-scale invasion of Ukraine, it is clear that world markets are initiallyin a full-scale ‘sell’ mode. These kind of panics are common when...
Why do active managers have so much trouble beating the index?
Inflation: It’s like your eccentric uncle who rarely visits. You keep asking him to come to stay, but then once he does, you become worried that he will stick around too long.
Meet Gene Sulzberger, president of Sulzberger Capital Advisors
For this quarter’s note, we thought we would wade a little bit into the turbulent stream of risk measurement known colloquially as Beta. Before everyone shouts in unison “boring!”, give us a chance to make the case that this is a worthwhile topic for investors – or at least for their investment managers.
There is a long-standing practice amongst money managers and investment advisors to send out an annual letter to clients. These are generally infinitely forgettable affairs, and mostly backward looking. So, in this year's letter we wanted to give people just one number to remember the year in financial terms: 14.
Unsung heroes who are helping produce pivotal changes in multiple areas of Miami-Dade County are being put forward by observers as long overdue for credit. Gene C. Sulzberger is one of these heroes.
Building financial security means sticking to a smart strategy and thinking ahead. Success comes from spending less than you earn, investing wisely, and protecting against unforeseen challenges. To be truly prepared you should probably have an emergency fund.
As of this article’s submission, tariffs have been big economic news. Tariffs are taxes levied by governments on imported goods. The United States has been moving over the past 20-plus years to a free trade environment. The United States has been removing tariffs on imported goods; and, other countries have been removing the tariffs they have imposed on US goods they import.