When it comes to investors’ decisions about the market, the election is just one factor among many.
Every four years, the U.S. presidential election brings uncertainty – something the human mind, and markets, tends to dislike. But if you’re concerned that the markets will dive or thrive based solely on who is in the oval office, historic trends show that anxiety is unfounded. Through the last century, the long-term performance of the markets has revealed little correlation with government policies, according to an analysis by Raymond James Equity Research.
Here, we address three myths surrounding elections and market performance.
Drew O’Neil discusses fixed income market conditions and offers insight for bond investors.
Last summer, the lower bound of the Fed Funds rate was at 2.25%. Six months after that, the Fed had lowered it down to 1.50%, and by March it had fallen to 0.00%. The slow and methodical three year climb of the Fed Funds Rate from 0.00% that started in December of 2015 was undone in a matter of months, just as we were getting used to relatively decent returns on money markets and other short-term investment options. Now here we are back at 0.00% on the Fed funds and money market yields south of 0.15%. Just because the world was a very different place just 6 months ago (in terms of both pandemics and interest rates), doesn’t mean that interest rates will return to their pre-pandemic levels any time soon. There is a good chance that 0.00% Fed Funds will be around much longer than the pandemic.
https://jsingletonfinancial.com/wp-content/uploads/2020/07/Bond-Market-Commentary-1.jpg3601110Kiley Perkinshttps://jsingletonfinancial.com/wp-content/uploads/2017/05/JSingletonBlack.pngKiley Perkins2020-08-03 10:30:342020-07-28 07:30:55We Might Be Here For A While
Financial literacy is a gift that lasts a lifetime.
Financial tradeoffs, interest rates and the importance of having an emergency fund: Our current economic circumstances are full of teachable moments we can and should share with our children. After all, they’re probably not learning these topics in school. Only 1 in 6 students will be required to take a personal finance course before earning a high school diploma, according to nonprofit Next Gen Personal Finance.
That’s why we’re equipping you with money tips and topics to discuss with the children in your life, plus independent study materials (ahem, videos and games) that will hold kids’ attention while teaching them money management. Keep reading to get to the head of the class.
Making your mark through your work doesn’t have to take a lifetime.
If you left your job today, how would you be remembered? Thinking of the legacy you’re creating through your career or business helps you focus on the big picture – and enables you to maximize your influence for decades to come.
People rarely get the chance to preview what their career legacy will be, but the inventor of dynamite did. In 1888, his brother died and newspapers mixed up the two siblings. One obituary read, “The merchant of death is dead,” which shocked the 55-year-old inventor. His name? Alfred Nobel. He famously rewrote his legacy, changing his will to leave his money to a foundation that would fund Nobel prizes – including one that promotes peace. You don’t have to have Nobel money to make your mark, though. Here are some tangible ways you can leave a legacy through your career or business.
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Review how to better prepare your portfolio for a downturn – and how to potentially take advantage of one when it occurs.
Market volatility is an inevitable part of investing. And it’s understandable that tumultuous times will likely trigger emotional responses to match.
But it’s important to remember to take a deep breath, focus on your long-term financial plan, and consult with a trusted professional – one who has seen an unpredictable market or two and the subsequent recoveries.
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Smart moves at the beginning of tax season can help get your financial house in order.
Contrary to popular belief, tax planning isn’t limited to the months between year-end and April 15. In fact, smart tax planning goes beyond deductions and credits and should be incorporated throughout the year. As Americans prepare to file their returns, let’s take a look at what we should be thinking about for tax season and beyond.
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At Raymond James, we recognize the trust you place in us when you disclose personal information. Maintaining that trust by ensuring that your information is secure is core to our business. Raymond James has a dedicated Privacy Office committed to the privacy and protection of your personal information entrusted to us.
From technological safeguards to employee policies and operating procedures, we maintain constant vigilance where your privacy is concerned.
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Take a look at how your retirement benefits can replace your workplace paycheck.
January 30, 2019
Retirement may evoke thoughts of long, relaxing days and free afternoons with your grandchildren. But while this period of unstructured time can be sweet and easy, it also requires doing your due diligence to prepare for a myriad of more practical changes. While you’re planning your retirement, you’ll need to address how your retirement benefits will compensate for your workplace ones. Doing so could help preserve your retirement fund and offer you something more precious than money: security and comfort.
By collaborating with your financial advisor, you can establish strategies to pay for essentials such as healthcare as well as determine income-generating methods to cover your paycheck in retirement. Here are a few topics you’ll want to cover.
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At J Singleton Financial, located in Jackson, Wyoming, our team provides our clients the information they may need to choose the most suitable investment products and services for their specific financial needs, including asset management, retirement plans, trust services, managed accounts, 401(k) plans, life insurance and more.
J Singleton Financial
170 E Broadway Suite 100D
P.O. Box 508
Jackson, WY 83001