interest rate – MD Update

Investment Markets: Problem? or Opportunity?

June 1, 2022June 22, 2022 Scott Neal 9% year-to-date, aggregate U.S. Bond market, allocation, asset, asset allocation, asset class, basket of security, bond, bond loss, bond market, cash, cash remains, chief risk, correction territory, drawdowns, entire portfolio, ETFs, federal reserve policy, hold security, image001 image002, inflation, interest rate, investment, investment market, investment protocol, investor, longer-term bond, market cycle, market turn, market-like return, momentum, momentum growth strategy, near-zero interest rate policy, portfolio, portfolio objective, portfolio performance, prescribed allocation, preservation, price of the bond, rate of longer-term bond, reduce volatility, reduce volatility of the entire portfolio, risk tolerance, S&P 500, Scott Neal, specific rate of interest, stock, strategy, tenet of traditional asset allocation, tolerance, towel, traditional asset allocation, traditional asset class, traditional stock, treasury inflation, U.S. Bond, U.S. Bond market, uncertainty of the situation, upside volatility, usual asset class, volatility, wealth, wealth preservation, wealth preservation strategy

The current economy, marked by the combination of high and rising inflation, low unemployment, and the near-zero interest rate policy

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Inflation: The Cause and Effect

December 1, 2021February 15, 2022 Scott Neal 1.75% inflation, 6% inflation, ABCs of inflation, asset, average price of gasoline, bond, bond market, brand_new Z28 Camaro, brand-new model, cause of inflation, Chevy dealer, curve, deficit, double of the cost, dreaded word, fed, flow of wealth, good year, high interest rate, impact of sustained 6% inflation, importance of time-dimensioned goal, inflation, interest rate, long term bond, magnitude of inflation, near-term, near-term impact, near-term impact of inflation, plan scenario, price of good, regular broadcast of the news, result of 6% inflation, rise of price, S&P 500, Scott Neal, show room floor, store of wealth matter, supply curve, sustained 6% inflation, term bond, term rate, time horizon, time-dimensioned, time-dimensioned goal, true impact of the rise, wealth matter, Z28, Z28 Camaro

If you are the one in your family who fills up at the gas pump or shops at the grocery

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A Look Forward

June 1, 2021September 9, 2021 Scott Neal accommodative federal reserve, accumulated disposable income, actual sell price, big deficit, bond, bond market, buy bond, cash build, charge of long-term rate, curve, data collection tool, deficit, demand curve move, economic detail, economist, economist call wealth effect, face of inflation, Harvard economist estimate, hearty growth, huge pent-up demand, inflation, inflation kick, interest rate, keep interest rate low, long-term rate, low short-term rate, mean high rate, month-over-month, month-over-month growth, movement of supply, negative real return, net of inflation, next major round, next major round of inflation, pent-up, pent-up demand, positive rate of return, rate low, reasonable degree of certainty, rise interest rate, robust increase, Scott Neal, supply curve, unparalleled stimulus, year-over-year, year-over-year comparison, year-over-year number

I don’t suppose that I need to spend a lot of time reminding you that 2020 and Q1 2021 have

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Where Do We Go from Here?

December 1, 2020February 17, 2021 Scott Neal -contribution limit, 70½, B., Biden, Biden victory, calendar move, Care act, catch-up limit, contribution, COVID, Dr. Woody Brock, duration of the market, employer 's match, entire employer 's match, entire final paycheck, financial house, firm 's sale, FOMO, free money, inherited IRAs, interest rate, IRA, IRA contribution, K., late market move, let 's keep, minimum amount necessary, owner of inherited IRAs, paycheck, plan administrator, polarized electorate, prospect of future earnings, QCD, required minimum distribution, RMD, RMD wrinkle, RMDs, Roth contribution, Roth IRA, Scott Neal, smart folk, steep sell-off, stock, stock market, tax year, tax-year contribution, tortuous decline, traditional IRA, trap of FOMO, upward bias, v-shaped recovery, wall street analyst, wash sale, year-end

For the nation, 2020 has been one of the most difficult years in memory. We are grappling with COVID and

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Two Financial Updates for 2019

March 1, 2019May 13, 2019 Scott Neal adjusted gross income, bond market slide, China 's central bank, DAF, deduction, donor-advised, donor-advised fund, dramatic sell-off, economic growth number, extreme bullishness, extreme panic, fed, filer, financial update, future interest rate hike, growth number, hold stock, interest rate, IRA, job act, long-term goal, market outlook, married joint filer, MSCI All-World, MSCI All-World index, new standard deduction, OR 2, QE 1, quantitative tighten, reduce reserve requirement, renewal of the bond, risk tolerance, RMD, round of quantitative ease, Scott Neal, single filer, stay power, tax update, uncertain trade talk, US bull market, US debt, year 's worth of charitable deduction

Market Update The US bull market is getting long in the tooth. We have just witnessed a V-shaped partial recovery

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Déjà Vu, All Over Again

December 1, 2015January 20, 2017 Scott Neal 30 year U.S. treasury, 65 % bull, aggregate earnings, bad quarter, big year-over-year decline, bullish consensus, contrary indicator, Déjà Vu, downright alarm, earnings, exception of interest rate, extraordinary stock market growth, financial plan, fundamental driver, fundamental driver of the extraordinary stock market growth, future of the stock market, GDP, GDP growth, growth rate, growth rate of aggregate earnings, growth rate of earnings, historical index data, impend rate hike, interest rate, investment, investor psychology, level of aggregate earnings, level of optimism, long run return, long time reader, long-dated, long-dated bond, magnitude of stock repurchase, mean reversion, member of the fed, money manager, non-fundamental factor, portfolio, primary impact of GDP growth, quarter of the S&P 500 company, rate of return, run return, S&P 500, S&P 500 company, Scott Neal, sentiment, slow erosion of expected return, slowdown, stock, stock market, stock market growth, stock market rally, stock repurchase, strategy, survey of advisor, time reader, variable, year-over-year decline

As of this writing, the stock market has just produced one of its worst quarters (Q3) in a very long

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Financial Miscellany

November 1, 2015 Scott Neal A-D line, absolute return approach, advance decline line, advance decline line of the new York stock exchange, adverse effect of over-regulation, author of unexpected return, average of the A-D line, bad quarter, breadth of the market, bull cycle, buy-hold-and-rebalance, China 's issue, current read, cyclical recovery, deflation, Ed Easterling, effective return, efficient tradeoff, fear volatility, fed play kick-the-can, federal reserve decision, filing, financial inflation, financial miscellany, focus of medium, focus of policymaker, fundamental cause of decline, good idea, implosion of emerge market, increased volatility, interest rate, investor, kick-the-can, low rate of growth, market breadth, market decline, market water, market wind, negative interest rate, possibility of structural reform, price of bond, proper incentive, prospect of deflation, recent market decline, reserve decision, retirement plan, return approach, RMD, self-styled expert, simple sailor, startup of small business, Stocks, technical indicator, tough sled, tradeoff, tradeoff of hold cash, traditional approach of buy-hold-and-rebalance, traditional stock, upcoming election cycle, volatility, volatility of Stocks, worldwide growth

In keeping with the news and the season, there are several topics to discuss this month. Here a just a

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Looking Back, Looking Forward

June 1, 2015 Scott Neal aforementioned fundamental driver, aggregate earnings, baby-boomers demand dividend, broad index, buy-backs, concept of mean reversion, crash, current 20+, Dr. Woody Brock, Dr. Woody Brock point, earnings, estimate call, financial plan, growth rate of aggregate earnings, growth rate of earnings, impend stock market crash, interest rate, investor, legendary stock picker, magnitude of stock repurchase, mean reversion, mean-reverting, mean-reverting development, moral of the story, nominal price of the stock, normal investor, picker, portfolio, rational prediction, real term, remarkable stock market, remarkable stock market of the past century, repurchase, reversion, Scott Neal, share buy-backs, share repurchase, stock, stock market, stock market crash, stock market return, stock picker, stock repurchase, sustained low level of growth, ten-bagger, unexpected rise, wealth growth

Back in the ‘80s, legendary stock picker Peter Lynch was famous for looking for those stocks that he thought would

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Maintaining Optionality

May 1, 2015 Scott Neal 14 % more money, 20 % decline, advantage of a down market, Antifragile, appropriate strategy, asset, asymmetric upside, author of good seller, available cash, average new money, brief economics lesson, bucket approach, buy-hold-and-rebalance, buy-hold-and-rebalance strategy, cash, cash rest, conventional monetary policy, dollar-cost, dollar-cost average, down market, economics lesson, efficacy of ZIRP, face of ZIRP, fed fund rate, five year CD, fund rate, go-go year, hypothetical dollar-cost, interest rate, investor, legendary investor, limited downside, money market rate, more money, non-conventional policy, Optionaility, Optionality, past four, portfolio, price of financial asset, property of asymmetric upside, real beauty of dollar-cost average, S&P 500, Scott Neal, specific goal, stock, traditional advice, unique property of optionality, value of cash, value of cash rest, zero-interest rate policy, ZIRP

We begin with a brief economics lesson and then move to how it affects investors. During periods of slow economic

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Your House: Asset or Liability?

May 1, 2012March 28, 2017 Scott Neal advice, advisor, annuity, asset, asset side, asset side of the ledger, client, client 's house, Dave Ramsey, egregious rule-of-thumb assumption, elation, equity, financial advisor, financial plan, financial statement show asset, future financial well-being, handy hedge, inflation, inflation rate, interest rate, liability, mortgage, portfolio, proffer advice, resort source, resort source of fund, rule-of-thumb, rule-of-thumb assumption, rule-of-thumb recommendation, Scott Neal, standard advice, substantial asset, tax rate, use home equity, use-asset, value of the client 's house, x., x% drop

For years Dave Ramsey has claimed that the house you live in is not an asset, but a liability. Of

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