My Comments: Many of you are retired and somewhat dependent on market returns going forward to sustain your existing standard of living. If so, what follows is NOT good news for you or for me. We can argue it’s only an opinion, but my gut tells me it’s more than that. What he says about …
Continue reading Get ready for years of terrible stock-market returns
My Comments: Let me first acknowledge I have a profound respect for Robert Reich. His expressed ideas have always resonated with me and yes, he’s a Democrat, as am I. What follows is relevant these days given both the political environment we live in and the uncertainty about the economy and the investment markets. I …
Continue reading The Truth About The Economy That You’re Not Hearing
My Comments: Is it? Time alone will tell, but I’m doing my best to sit this one out. My best guess, like yours, will be either good or bad, depending on how the next few months play out. by Mott Capital Mgt. \ 7 AUG 2022 \ https://tinyurl.com/2q988542 History can act as a guide, not …
Continue reading The S&P 500 May Be Near the Most Dangerous Phase of The Bear Market
I’m sure you’re already aware the markets are very uncertain these days. For most of us, they’re down significantly for the year. For every pundit who says there’s a lot more downside to expect, there’s a pundit telling us we’ve essentially hit the bottom and the upside looks like a return to normal. After …
Continue reading The Retirement Life – The First of Many Steps
A sub-title for this blog post might be: Mutual Funds? Annuities? ETFs? Or what? My not so clever answer is “It depends…”. To which you will ask “on what?”. Here’s a list to start with: What types of investments have you been successful with? What is your level of fear that you’ll run out of …
Life can be scary sometimes. It can be doubly scary when we realize personal financial decisions are inherently emotional decisions. Who among us has not made a bad choice along the way where money was involved? Conceptually, retirement is inherently personal. And the elephant in the room at first glance is almost exclusively a matter …
Continue reading Investing for Retirement: What Price Are You Willing to Pay for Guarantees?
Have you got enough money? Is there a point in time when making new guesses about your retirement funds become an exercise in futility? Sure, you could probably work a few more years and have a few more bucks in the bank, but at what price? I’m reminded of the Social Security dictum that everything …
My Comments: With this topic, we’re dealing with mixed messages, both are in a foreign language. On one side are the brokerage firms and investment professionals whose expertise is probably exceptional, telling you what’s the best thing to do with your money. On the other side are insurance professionals whose income is largely a function …
Continue reading Equity-Indexed Annuities As a Retirement Strategy
No one likes bad news. When it arrives almost daily, there is a tendency to treat it as noise and tune it out. When it involves retirement, tuning it out is easy since for most people, retirement is years away. Without a sense of urgency, it’s just another time consuming and relatively meaningless waste of …
Continue reading Americans Know They’re Not Ready for Retirement. But It’s Worse Than They Think
Like a broken clock that’s right twice a day, I’ve been expecting a market crash for going on four years now. Will I ever be right? Most of us in the world of money don’t believe it’s different this time. And while none of us has a crystal ball, we’re almost unanimous there’s a bear …
Continue reading Strike Three: The Next Bear Market Ends The Game
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