Benchmarks Gauge Investment Markets

Posted by Mark Germain, CFP®, MBA, ADPA®

08/30/2016

 


INTRODUCTION:

Just as a car salesperson uses the "blue book" to gauge the approximate price for a newly acquired vehicle, you can use market benchmarks to gauge the approximate performance of your mutual fund investments. Each market index tracks a representative sampling of stocks, bonds, or other securities that may be similar to the holdings in your investment portfolio.

Often tracked in financial websites and newspapers, benchmarks can be especially helpful to individual investors by offering a framework whereby they can evaluate the risk and return history of their own investments. The important consideration to keep in mind is that, when using benchmarks to compare to your investments, you should always compare apples to apples. In order to accurately do this, it helps to be familiar with a variety of benchmarks and the sectors and asset classes they track.

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Topics: Financial Planning, investment strategy, Investing, Benchmarks

Finding the back door to the tax hedge of a Roth IRA

Posted by Mark Germain, CFP®, MBA, ADPA®

08/23/2016

Roth IRAs can be a great tax-planning tool if you want to count on having a stream of retirement income that’s tax free when you take it in retirement. That’s what the Roth IRA is all about. Trouble is, high earners have been shut out of the Roth opportunity—unless they slip through the back door. A “back door Roth” is a way high earners can circumvent income ceilings for direct Roth contribution eligibility.
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Topics: Retirement Savings, Tax strategies, Retirement Planning, Retirement, Roth IRA

Have You Ever Met a Fallen Angel?

Posted by Mark Germain, CFP®, MBA, ADPA®

08/16/2016

Have You Ever Met a Fallen Angel?

“Fallen angels.” It sounds like a catchy title of a John Grisham novel. It’s not, but maybe some day it will be, if you could work a mysterious murder involving a bond trader into the plot. A fallen angel is a bond that began its life with an investment-grade rating (i.e. a Standard and Poors BBB rating or above), but was subsequently demoted from angel status.

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Topics: Investing, Bonds Outlook

The Election-Year Stock Market

Posted by Mark Germain, CFP®, MBA, ADPA®

08/11/2016

THE ELECTION-YEAR STOCK MARKET

With the presidential election fast approaching, it’s natural to ask: How is the election going to affect my investments… and is Beacon doing anything to prepare for the election, based upon who wins?

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Topics: economy, Financial Markets, Stock Markets

Buying Life Insurance: What Kind and How Much?

Posted by Mark Germain, CFP®, MBA, ADPA®

08/02/2016

 


INTRODUCTION:

You are likely to need life insurance if others depend on you for financial support, if you provide your family with such services as child care, if you need to consider protecting a surviving spouse or if you have accumulated substantial assets. There are several types of life insurance that you may want to consider. 

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Topics: Life Insurance

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