The Investment Returns of Homes vs. Stocks

Your home is your best investment, right?
Thursday, 09 May 2019

The Investment Returns of Homes vs. Stocks

A few recent analyses suggest that this old chestnut may not apply anymore—if it ever did. Researchers from the San Francisco Fed have recently concluded that from 1870 through 2015, worldwide returns on homes—that is, the average yearly home appreciation across all houses in the world—was 6.9% after inflation. The comparable yearly return for global stocks was 6.7%. Closer to home (so to speak), U.S. stocks returned 8.5% a year over that time period, vs. 6.1% for houses. In America, houses appreciated a little less robustly than homes abroad, and stocks were much better investments than global ones.

The Keys to Happiness

You want to feel happy, right? Doesn’t everybody?
Tuesday, 07 May 2019

The Keys to Happiness

Research has shown that once you get past providing for your basic needs, additional money doesn’t materially increase your happiness level, and we all know that meds can only go so far toward adding to our sense of well-being. Are there any other strategies that can move the needle on our happiness scale?

A recent article online in Forbes looked at some research and found a few tricks and habits that might induce more happiness in our lives. The first is exercise. Cardiovascular exercise (that is, a strenuous workout) functions almost like a wonder drug with regard to a person’s overall well-being and has recently been associated with the growth of new neurons in the hippocampus, the part of the brain known to be affected by depression.

Tips for Staying on Top of Your Personal Finances

Lives are busy. Between work, families, and all the little details and obligations it’s easy to see how our finances, especially long-term finances, can get neglected.
Wednesday, 10 April 2019

Tips for Staying on Top of Your Personal Finances

But the good thing is, with a little effort and time on the front end, you can really get on top of your finances and be able to check something important off the list. Sound too good to be true? Well, read below to get some tips that can help you get on top.

Write Out Your Goals

Did you know people who write out their goals are 42% more likely to achieve them? This probably has something to do with making the intangible (an idea) tangible. Writing something down helps imprint it in our memory, and it is also a visual reminder. So, write down, in as much detail as you are able, what you want to focus on financially. Most of the goals, like buying a house, starting a business, retiring early or well, will all involve long term planning. But the first step in any plan is figuring out what your target is.

Steps to Finding Purpose in Retirement as a Former CEO

Retirement, like any major life event, can be a rocky transition. For people who had high powered leadership roles, that transition to civilian life may be all the harder.
Thursday, 21 March 2019

Steps to Finding Purpose in Retirement as a Former CEO

Each year, over one hundred CEO’s retire from the S&P 1000. They may leave with nice exit packages and praise for their successes, but often, because their positions were so demanding, they didn’t put too much thought into what would happen next.

Feeling the Loss

The average CEO retires at age 62 and with the average lifespan in the mid-eighties, that leaves over two decades to fill. Retirement can be a challenging period for some, resulting in depression, social isolation, and a loss of purpose. CEOs and other highly successful individuals may, in fact, be more prone to depression than others.[i] Ironically, their success may contribute to their feeling of loss later in life. If self-worth is measured by success or competition, adapting to a non-career driven life may be more challenging. Often, the best way to avoid retirement malaise is to have a plan. The transition to retirement is all the more difficult for individuals who define themselves by what they do. Taking time before retirement to self-reflect and dig into what you want to do next, can help with feelings of loss.

Men and Mid-Life Divorce

"When we are no longer able to change a situation, we are challenged to change ourselves."
 – Viktor Frankl
Tuesday, 26 February 2019

Men and Mid-Life Divorce

Most people don’t stand at the altar thinking their marriage will end in divorce. When you imagined your life it may have gone a little like college, job, wife, kids, retirement on the beach, or some variation. You probably didn’t add in a mid-life or “gray” (as it’s termed if you are over 50) divorce. But here you are. Life can be unpredictable that way. Considering 52.7% of marriages end in divorce, you’re not alone.[i]

Mid-Life Divorce

Baby Boomers are divorcing at a much higher rate than the generation before or after them. Currently, 1 in 4 divorces are couples over 50, and the gray divorce rate has doubled since 1990.[ii] There are some theories as to why this is the case.  For some, it’s the transitional periods like empty-nest, mid-life crisis, or retirement that trigger the desire to uncouple. The Boomers are also a unique generation in that they plan to live longer and are healthier than previous retirees. Divorce for Boomers also comes with less of a stigma than for previous generations. Unfortunately, there are some downsides to divorcing later and a big one is your financial security. Boomers are already coming up short on their retirement savings. They generally have not saved enough to offset the loss of pensions and The Great Recession.  In fact, 48% of Boomers are not on track to afford the basic expenses of retirement.[iii]

Senior Executives – What issues should you tackle before spending more time on the golf course?

Those who are corporate executives or in upper management may have different company benefit options for retirement.
Friday, 01 February 2019

Senior Executives – What issues should you tackle before spending more time on the golf course?

It's important to look over your choices and have a plan in place for your retirement. In this article, we will discuss a few areas to look into before you retire.

Big Picture 

Before we talk about the financials, it's good to take some time to discuss the bigger picture of retirement. If you've worked your way up to the executive level, there is a good chance you've invested a lot of your life and your time into your career. As you plan for how you will fund your retirement, it is prudent to also take stock in how you want to live your retired years day to day. Open communication with your partner and family about your goals is key. Having discussions of daily schedules, travel, volunteer work, and downsizing will all help give more structure and shape to this next big step. In that same vein, investing in your overall health through diet and exercise and possibly lifestyle changes may also help improve the quality of your retirement. Being financially secure is obviously very important but being healthy enough to really enjoy it is too. Make sure that you look at the whole of your retirement, not just the money side.

Creating Real Goals for Retirement

You’ve been working and saving, you have money in the bank for retirement. But, have you spent enough time thinking about what you are going to do when you retire?
Tuesday, 15 January 2019

Creating Real Goals for Retirement

Where previously in our lives our schedule is filled with work and kids, suddenly you may find yourself with a lot of free time. Oftentimes, people haven’t really set enough time aside to think about what they want to do once they are retired. This is troubling because lacking a clear plan of action or difficulty adapting to a big life change are what can really derail a retirement.[i] It’s easy over decades of working to think of retirement as a finish line, but the danger in that, regardless of how much you have in the bank, is once you are carrying that box off your desk for the last time, you are left with a feeling of now what?

Rewiring How You Think About Retirement in the New Year

It’s almost time. You’re in your 50s or 60s. You've worked your whole life, you've saved, and perhaps you've gotten some kids through college and into adulthood.
Thursday, 27 December 2018

Rewiring How You Think About Retirement in the New Year

Perhaps you're married and your spouse is close to retirement as well, or you’re divorced, or you’re single. No matter your situation, retirement is closer on the horizon. You may feel ready to take the plunge. New Year, New You right? Or you may feel anxiety about what life on the other side of working will look like. Who will you be? What will you do? How will you spend your days without the routine of a daily work schedule?

Is a Government Shutdown Something that Investors Should Worry About?

As Christmas approaches and the Congressional session comes to a close for the year, it seems only natural that of course there must be some kind of drama on Capitol Hill in order for 2018 to go out with a bang.
Friday, 14 December 2018

Is a Government Shutdown Something that Investors Should Worry About?

This holiday season Washington, DC has many to choose from. But the one that has gotten the most screen time in the past 48 hours is the threat of a government shutdown.

As unusual televised “negotiations” between Congressional Democrats Nancy Pelosi and Chuck Schumer and President Trump transpired on live television the markets responded negatively as the conversation quickly deteriorated, culminating with the President telling the democratic leaders that he would be “proud” of forcing a government shutdown if he didn’t get what he wanted. He was speaking to funding for a border wall expansion along the US southern border.

Hooray for the Return of Market Volatility!!!

One of our responsibilities as an investment advisor is to help you put market news in its proper perspective.
Wednesday, 28 November 2018

Hooray for the Return of Market Volatility!!!

If you're reading or listening to the popular press these past few days, you are probably seeing or hearing storm and fury having to do with government shutdowns, market corrections and the possibility that the Fed may raise interest rates. As the popular media scrambles to explain the unexplainable – current market volatility and how long it's going to last – we thought we'd share a headline of our own:

"The stock market is a giant distraction to the business of investing."

Said by Vanguard founder John Bogle in his 2007 classic, "The Little Book of Common-Sense Investing."

How to Improve your Online Account Security

Technology has been changing at a breakneck pace for the last forty years. Massive computers that filled entire rooms now live comfortably in your palm.
Wednesday, 31 October 2018

How to Improve your Online Account Security

And with each incarnation comes a whole new set of security protocols to protect your private data. Staying on top of the rapid changes to keep your information safe can be overwhelming, but by following some of the basic steps outlined below we hope you can feel more secure. After all, it’s in your best interest to understand how best to defend and protect yourself online. 

Studies show that the number one cause of security breaches is the user[i]. The positive interpretation is that, with a little help and information, you can be safer and more secure when handling your sensitive information online.

 

Don't Let Retirement Uncertainty Haunt You This October

Does the stress of planning and saving for retirement make your blood run cold?
Monday, 15 October 2018

Don't Let Retirement Uncertainty Haunt You This October

Are you haunted that a little mistake down the line could cost you your livelihood in your golden years? If this sounds familiar, rest assured you are not alone. In fact, a recent survey found that only 24% of Baby Boomers feel confident they’ll have enough money to last through retirement.[i] That is a sobering number, but the good news is, there are ways to combat the stress and get on track no matter where you are. People make mistakes, it’s part of being human, and while some financial errors can have real financial repercussions down the line, better to forge ahead and learn from the mistakes. A little forethought and planning can make the world of difference not only for your retirement fund but also the stress around it. With a little motivation and some assistance, either in the form of educating yourself or seeking financial guidance, you can get back on track and cut that stress.

One Trillion Dollars

According to the Federal Reserve as of the first quarter of 2018, the total household personal worth in the United States now exceeds One Trillion Dollars.
Monday, 24 September 2018

One Trillion Dollars

That is a lot of zeroes, but what does that actually mean?  To understand that level of wealth, consider that only 15 countries in the world have reached a GDP of at least Two Trillion dollars: Brazil, China, India, Germany, France, Indonesia, Italy, Japan, South Korea, Mexico, Russia, Turkey, the United Kingdom, the United States, and the European Union. 

That one trillion is the amount of personal wealth, not total GDP illustrates just how wealthy the United States actually is and how well, at a macro level, the people of this country are doing compared to the rest of the world. It may sometimes be hard to believe how far we have come since the 2008 financial crisis and the recession that followed it. There were predictions that it would take another decade at least to recover fully from the mortgage crisis and all that came with it. This is not to say that there aren’t plenty of everyday Americans still burdened with the effects of the recession, stagnant wages, underemployment, and shifting from the manufacturing to a service economy. But it is important to take note of how far we have come from the brink in just ten short years.

Regrets? Changing Your Investing Approach Can Diminish the Emotional Roller Coaster

No one knows what the future holds. And all of us, at some point, will make a decision and later regret it.
Tuesday, 18 September 2018

Regrets? Changing Your Investing Approach Can Diminish the Emotional Roller Coaster

Living with Investor Regret

This holds true in life and in investments. A bear market surrounded by pessimism and fear can affect even the most stalwart investor. There’s a lot of emotion and expectation tied to a long-term investment. Investments are dreams, hopes, and your retirement plan. And because of that, investors tend to sell winning investments too soon and hold losing investments too long. This behavior, one that leaves investors filled with regret, is common enough to have its own label: The Disposition Effect.[i]

Documents You Need to Prepare Before Your Child Goes to College

It’s happening! Your child is going to college. This is both an exciting and financially taxing time to be a parent.
Monday, 13 August 2018

Documents You Need to Prepare Before Your Child Goes to College

The tuition payments are secure, the car is packed up with XL twin sheets and lamps and all the things a young coed will need. And while it may feel that everything is in order, take a moment to ask yourself if your now legal-adult has given you a medical power of attorney, durable power of attorney, and their HIPAA release.  These are documents you may not think of but in today’s environment with privacy rules, if your child were to have a problem it might be difficult for you to quickly assist.    

 

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Advisory Services are offered through TriCapital Wealth Management, Inc Securities offered through Triad Advisors member FINRA / SIPC. TriCapital Wealth Management, Inc. is not affiliated with Triad Advisors. We are licensed to sell Insurance Products in the following states: North Carolina, and South Carolina. We are registered to sell Securities in the following states: Delaware, District of Columbia, Florida, Georgia, North Carolina, Ohio, Pennsylvania, South Carolina, and Virginia.

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