“Sell in May and Go Away” is Dead
“Sell in May and Go Away” sounds clever, but the data tells a different story. Since 2020, investors who followed this rule would have missed out on strong summer gains. We break down why discipline and staying invested consistently beat market timing.
What’s a Target Date Fund and Should I Invest in It?
Target date funds adjust automatically as you approach retirement, offering a simple “set it and forget it” investment strategy. They can be a smart option for early savers, but investors with complex financial situations may need more customized solutions.
Advantages of Using A Bond Ladder Instead of ETFs or Mutual Funds
Bond ladders can provide investors with predictable income, interest rate protection, and more control compared to bond ETFs or mutual funds. Greenbush Financial Group breaks down how they work, the different ladder strategies, and why some investors prefer this approach.
Should Your Investment Strategy Change when You Retire
Should your investment strategy change when you retire? Most people don’t realize how much the answer impacts taxes, income, and long-term security. Retirement isn’t the end of your financial planning—it’s the start of a new phase. Your goals shift from growth to income, and your investment strategy should evolve with them.
Understanding the $3,000 Investment Loss Annual Tax Deduction
Each year, the IRS allows a tax deduction for investment losses that can be used to offset earned income. However, it’s a use-it-or-lose-it tax deduction, meaning if you fail to realize losses in your investment accounts by December 31st, you could forfeit a valuable tax deduction.
Trump Tariffs 2025 versus Trump Tariffs 2017 to 2020: The Stock Market Reaction
President Trump just announced tariffs against Canada, Mexico, and China that will go into effect this week, which has sent the stock market sharply lower. I have received multiple emails from clients over the past 24 hours, all asking the same question:
“With the Trump tariffs that were just announced, should we be going to cash?”
Surrendering an Annuity: Beware of Taxes and Surrender Fees
There are many reasons why individuals decide to surrender their annuities. Unfortunately, one of the most common reasons that we see is when individuals realize that they were sold the annuity by a broker and that annuity investment was either not in their best interest or they discover that there are other investment solutions that will better meet the investment objectives. This situation can often lead to individuals making the tough decision to cut their losses and surrender the annuity. But before surrendering their annuity, it’s important for investors to understand the questions to ask the annuity company about the surrender fees and potential tax liability before making e the final decision to end their annuity contract.
How Will The Fed’s 50bps Rate Cut Impact The Economy In Coming Months?
The Fed cut the Federal Funds Rate by 0.50% on September 18, 2024 which is not only the first rate cut since the Fed started raising rates in March 2022 but it was also a larger rate cut than the census expected. The consensus going into the Fed meeting was the Fed would cut rates by 0.25% and they doubled it. This is what the bigger Fed rate cut historically means for the economy
