- Annual Market Reviews
- Car Purchases
- Charitable Giving
- Credit & Financing
- Discretionary Spending
- Estate Planning
- Family Gifting
- Federal Benefits
- Federal Employees
- Federal Retirees
- Financial Planning
- Investment Choices
- Market Reviews
- Quarterly Market Reviews
- Retirement Timing
- Saving Approaches
- Savings Consolidation
- Second Home
- Social Security
- Spending Plans
- Taking Distributions
- Tax Planning
Quarterly Market Review: 2017-Q4
For the fifth quarter in a row (Q4 2016 through Q4 2017), US stocks, international developed stocks, emerging markets stocks, and global real estate investments have been up. For the third quarter in a row (Q2 2017 through Q4 2017), both stocks and bonds have been up. Additionally, for the first three quarters of 2017 we saw both international developed and emerging market stocks outperform US stocks. In Q4 2017, emerging market stocks continued to outperform US stocks.
Quarterly Market Review: 2017-Q3
Global stock markets again rose during the third quarter of 2017. This marks three straight quarters of positive stock market growth and two straight quarters of positive growth across both stocks and bonds. International stocks outperformed US stocks in Q3, as we saw last quarter.
10 Brilliant Ideas for Retirement Planning
1. Consider delaying social security – while not always the best answer (we can help determine when it’s not), delaying social security is provides a low-cost, guaranteed return that can’t be matched by annuity products.
2. Touch the principal – many retirees aim to “live off the dividends and interest” of their portfolio. For most retirees living in the DC area...
Quarterly Market Review: 2017-Q2
Global stock markets again rose during the second quarter of 2017. Additionally, both US and international bond markets were up, making the second quarter of 2017 positive across the board. Last quarter, we noted that international stock markets outperformed US stock markets, reversing a trend we had seen over the past few years. The reversal continued this quarter with international stocks returning about double what the US stock market returned.
Part B Or Not Part B – That Is The Medicare Question For Federal Retirees With Healthy Retirement Incomes
Federal retirees with healthy retirement incomes are in a unique position when it comes to health insurance.
On the surface, Medicare Part B appears attractive, because you most likely will not incur any co-pays or co-insurance costs with your Federal Employee Health Benefit [FEHB] plan.
Quarterly Market Review: 2017-Q1
Global markets rose sharply this quarter and international stocks outperformed US stocks reversing the trend of the last seven years.
Only international bonds showed negative returns this quarter out of all of CLearLogic’s portfolio funds. Our role as investment managers is sometimes more difficult when US stock markets perform very well ...
278 Filing Made Easy
Filing a 278 financial disclosure form is an annual time-consuming and onerous task for most federal employees and military personnel often in positions of significant responsibility or highly compensated ones.
Annual Market Review: 2016
For ClearLogic clients, 2016 was a rare year with all assets classes in their diversified portfolio finishing up.
Rarely does this happen. It remind us that we should not let the news – political, economic, or global dictate our investment approach. Politics and even economies are not as correlated to financial markets as most think.
Quarterly Market Review: 2016-Q4
The 4th quarter market returns below may surprise you. Here in the U.S., Donald Trump’s victory dominated the news. In the financial news, the unexpected rise of the markets post-Trump victory was the top story. But as you can see below, only the U.S. stock market increased. All other markets in a diversified portfolio decreased, and some quite substantially.
ClearLogic Investment Principles
Embrace market pricing
The market is an effective, information-processing machine. Millions of participants buy and sell securities in the world markets every day, and the real-time information they bring helps set prices.
Quarterly Market Review: 2016-Q3
As is often the case from quarter to quarter, a different stock asset class led performance returns this quarter: emerging market stocks. International Developed stocks outperformed US stocks for the first time this year. Global Real Estate has been the top performer over the past two years, but had its worst quarterly performance since the second quarter of 2015 and was the only asset class with negative returns. These are all good examples of why we do not chase performance or try to forecast asset class returns.
Cost Control - An Investor's Greatest Investment
In the mid-1800s, in a collection of essays entitled “Conduct of Life,” Ralph Waldo Emerson observed, “Money often costs too much.” More than 150 years later, his words remain well worth heeding, as we focus on one of the most effective ways to enhance your wealth: aggressively eliminating unnecessary investment costs.
Quarterly Market Review: 2016-Q2
Despite another volatile quarter, capped by the Brexit decision in late June, stock and bond markets once again had a positive quarter. In fact, the chart below looks almost identical to the same chart in the first quarter. Global Real Estate outperformed all other asset classes again in the second quarter, and International Developed stocks were the only asset class to provide negative returns.
Quarterly Market Review: 2016-Q1
2016 started with the worst opening week in stock market history. January’s second week wasn’t much better, but markets bounced back throughout the quarter, ending in gains for most stock markets. The swoon and subsequent rebound was just another recent example of how quickly markets can turn. We do not know anyone that thought in January that the first quarter would end with positive returns; yet, they did for all major asset classes, except for international developed stocks.
The Complexities of Tax-Planning in Retirement
If you are like most people when you hear the phrase "tax planning," you immediately think it is for high net worth people with complicated finances and not important for you. However, tax planning is an important part of retirement planning, and retirement can create both tax complexity and opportunity.
Quarterly Market Review: 2015-Q4
Global markets bounced back in the fourth quarter after a terrible third quarter. US stocks once again led the rebound, up over 6%. For the year, US stocks were flat, but that exceeded International Developed and Emerging Market stocks, where returns were negative for the second year in a row. Commodities experienced its second year in a row of double-digit declines as well. Bonds were relatively flat for the quarter and the year.
Quarterly Market Review: 2015-Q3
During the 3rd quarter, global stock markets experienced their worst returns since 2011. Emerging Markets stocks, International Developed stocks, and Commodities all experienced double-digit declines. Bonds were up modestly for the quarter, as is often the case in periods when stocks experience significantly negative returns.
3 Essential Ideas For Building Sustainable Wealth
How you choose to invest impacts your financial plan and making wise decisions can lead to sustainable wealth.
Three essential ideas are...
4 Rules to Making Sense of Fixed Income
Anyone who is keeping even a casual eye on financial headlines is aware that fixed income returns are a bit topsy-turvy these days. With bond prices reacting negatively to uncertain economic news, investments that are supposed to be our reliable safety net...
Quarterly Market Review: 2015-Q2
Even though terrorism in Europe, the current political landscape in the US and other countries, as well as nuclear threats from North Korea gave us reason to believe markets should be down, that was not the case.