Economics

Market Landscape – Q2 2022

With inflation and recession fears dominating headlines, both stocks and bonds continued their fall in the second quarter of 2022. At times, it useful to put short term market conditions in the context of longer market cycles.  If we go back to the January 1, 2009, we observe that the S&P 500 (with dividends reinvested)…

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US Stocks Continued to Dominate in 2021, but What Does That Mean for the Future?

As the global pandemic extended into 2021, the markets continued the remarkable run that began the third week of March 2020. Since that time, US large company stocks, as measured by the S&P 500 Index, have more than doubled in value. For 2021, the broad US stock market generated a positive return of more than…

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Social Security Update

On August 31, 2021, the Social Security Board of Trustees released its annual report, which included the latest projection for the Old-Age and Survivors Insurance (OASI) Trust Fund. According to the report, if Congress does not act, the fund is projected to become depleted by 2033, a year sooner than the estimate provided in 2020.…

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What To Do About the Coming Inflation (or Deflation)

The annual change in the Consumer Price Index “CPI” exceeded more than 5% for the second month in a row, raising concern that we may be entering an inflationary period. How concerned should investors be? Before we get into that, we should begin with a short primer on what inflation is. Inflation refers to an…

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How to Evaluate a Mortgage Refinance

With interest rates at historic lows, many homeowners are considering refinancing their current mortgage.  But making the decision to refinance or not can be tricky given the costs involved. Here are some factors to consider when considering a mortgage refinancing (“refi”). Is It Worth It?  The decision to refinance comes down to evaluating the benefit…

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The 2020 Election and Your Investment Portfolio

With election time now getting closer, we are inundated with opinions and prognostications about not only who will win but what that victory will mean for the markets.  When you couple the uncertainties of the election with the other trials facing our country including, but not limited to, high unemployment, the economic and personal consequences…

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The Economy vs. The Market

The terms “stock market” and “economy” are often used interchangeably, but they are not one in the same.  Perhaps this has never been more evident than over the past several months.  The state of the economy, according to most measures, is bleak, with economic activity contracting, an unemployment rate of more than 10%, and an…

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Market Corrections, Bear Markets, and Recessions: A Primer

As the markets continue to move up and down and as the media continues to have a field day playing with our emotions, it is no wonder that many investors find themselves questioning what lies ahead.  While no one can predict what the markets will do or how people will react to the news of…

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