Investments

Are you ready for another recession? After 11 Fed rate hikes, a record-long inverted yield curve, and increasing layoffs, it seems inevitable another recession is just around the corner. Don’t wait until it’s too late to prepare. There may be more regional bank failures lurking. If so, mass layoffs will spread across multiple industries, not […]

Investors and particularly homebuyers are wondering when will the Fed finally start cutting rates? After 11 rate hikes so far since 2022, investors and homebuyers are starting to feel the strain of higher borrowing costs. The longer the Fed Funds rate stays high, the more negative impact it will have on the economy. Ideally, the

If you’re thinking about holding individual municipal bonds as a safe and liquid source of funds, think twice. Owning highly-rated municipal bonds is low risk. However, selling individual municipal bonds can be incredibly expensive and cumbersome. Unlike stocks, which now have $0 trading fees and ample liquidity, municipal bonds have a much less liquid market.

With interest rates high across Treasury bonds, municipal bonds, and corporate bonds, there comes a point where owning bonds becomes more attractive than owning stocks. The objective of this article is to figure out an appropriate stock allocation by bond yield for a better risk-appropriate return. The 10-year Treasury bond yield surged to 5%+ in

Virtue signaling is the public expression of opinions or sentiments intended to demonstrate one’s good character, social conscience, or the moral correctness of one’s position on a particular issue. I don’t mind virtue signaling if the person also lives by their beliefs. It is natural to want to demonstrate to the world one’s beliefs, especially about a cause one truly believes

High interest rates could be the best thing for investors, personal finance enthusiasts, retirees, savers, and those seeking financial independence. You know, most of us. Even though it was uncomfortable to lose money when the Fed first started hiking rates in 2022, the Fed may have ultimately done us a favor by hiking through the

Everybody should have some investments in stocks. Although stocks provide zero utility, some stocks provide dividend income and all stocks have the potential for capital appreciation. Since 1926 the S&P 500 has returned about 10% on average a year. Further, at some point in your life you should sell some stocks to buy what you

Have you ever wondered why wealthy people are more willing to invest in hedge funds, venture capital, venture debt, private equity, and other speciality funds? These are all actively-run funds that mostly have a history of underperforming the S&P 500. Yet, billions of dollars still pour in each year. Some of these active funds are

We’ve gone through exercises on how I’d invest $100,000 and $250,000. Now let’s go through an exercise on how I’d invest a million dollars today. Investing a million dollars is slightly different from investing $100,000 and $250,000. You can more easily afford to lose $100,000 – $250,000. But if you lose $1,000,000, you might enter