In this Quarter in Charts, we have several graphs detailing the current interest rate environment, global market events, the bond bear market, and various economic indicators. We use this data to explain what happened (and look ahead to what could happen) in economies, markets, and investment portfolios. But none of those graphs will be able
It’s hard to describe how rare and painful 2022 was for investors of all kinds. The phrase “off the charts” is often overused, but in this case, it seems appropriate. And while we’ll look at the causes and details of this year’s returns, we’ll also spend some time exploring how investors should consider viewing the
Over the last few weeks, I kept the kids up far past their bedtimes to witness Aaron Judge break the American League single-season home run record. While we had to sit through a whole lot of walks, we eventually got to witness a once-in-a-lifetime event that we’ll tell some grandkids about. Sadly, this year, investors have also witnessed an investment market for the record books. Through the charts below (and a recounting of my real-world experience with our 15-year-old new driver) we’ll examine the year so far, talk through viewing investments through the “windshield” of a financial plan, and see how investors have typically fared better than average coming out of historic times like these.
(Note: At the time of publication, July 2022, I Bonds were paying an annualized rate of 9.62%. Since then, interest rates and inflation have changed, causing the combined I Bond rate to adjust down to 6.89% as of February 2023. You can find the current combined interest rate here.) The US Government introduced Series I
“The Circumstances” So far this year, investors have experienced a dramatic increase in interest rates and sustained high inflation, coupled with a decrease in both stock and bond prices not seen in half a century. All of this while the US continued to add jobs and public companies increased profits at a steady pace. Below
Solo 401k’s have always had a large annual contribution limit, but the trick is getting to that limit while living within the rules provided by the IRS. There are four rules to follow to contribute the entire $67,500. Rule #1: Qualifying Business You must work in a for-profit business with “one” employee: you. However, the