Anyone who is keeping even a casual eye on financial headlines these days is aware that fixed income returns have been a moving target for a while now – at home and abroad. Instead of expending valuable energy on perennial uncertainties, we would suggest that the more practical approach to managing your portfolio – the fixed income and equity portions alike – is to optimize the components that are more readily within your control. Fortunately, there are a number of solid, evidence-based strategies we can suggest to guide your way.
If you have been named as a beneficiary of a trust, you probably have many questions about what comes next. Trusts can take many forms and may be governed by unique provisions established by the creator of the trust or “grantor.” As a trust beneficiary, you have certain rights. But to ensure that your financial and other interests are fully protected, you need some basic information about different trust structures and their management.
Financial professionals generally describe any decline of 10% or more from a previous peak as a “correction.” Should investors seek to protect themselves for further declines by selling, or should they consider it an opportunity to purchase stocks at more favorable prices?
As financial professionals, we deserve to be fairly compensated for our efforts. But as an investor, you deserve full disclosures and clear explanations, so you can determine for yourself whether the costs are justified. We look forward to helping you join us and a growing community around the globe as we advocate for the importance of clarifying and controlling investment costs. If we could offer only one piece of advice on the matter, we would conclude by urging you to forever heed this familiar adage: If it sounds too good to be true, it probably is.