All in Finance
Individual Retirement Accounts (IRAs) are a popular way for Americans to save for retirement. While there are several different types of IRAs, the two most common are Traditional and Roth IRAs. Both have their advantages and disadvantages, and deciding which one is best for you depends on several factors, including your current income, tax rate, and retirement goals. In this article, we'll compare Roth vs Traditional IRAs and discuss the threshold for choosing which one would be best for you.
Investing can be a daunting task for many, with the endless options and strategies available. Two common approaches are active and passive investing. Active investing involves making specific decisions to buy and sell stocks with the goal of outperforming the market. Passive investing, on the other hand, involves investing in a portfolio that closely mirrors the performance of the overall market. In this blog, we’ll explore the differences between these two strategies and help you decide which approach is right for you.
When it comes to investing, there are many different approaches one can take. Two popular strategies are growth investing and value investing. While both have their merits, the debate between which is the better approach has been ongoing for decades. We’ll explore the differences between these two strategies and why the battle for Wall Street continues.
The Federal Reserve's decision to begin quantitative tightening (QT) has raised concerns among investors about the impact it could have on the stock market. QT is a monetary policy tool used by central banks to reduce the money supply and decrease inflationary pressure. In this New York Times-style article, we will explore what quantitative tightening means for the stock market and the potential risks and opportunities it presents for investors.
Diversification is a crucial concept in investing that every investor should understand. It is a risk management strategy that involves spreading your investments across different asset classes, sectors, and regions to reduce the overall risk of your portfolio. A well-diversified portfolio can help you achieve better returns while minimizing the risks associated with individual investments.
As you plan for retirement, it's important to take advantage of all the tax-advantaged accounts available to you. These accounts offer a range of benefits, including tax deductions, tax-free growth, and tax-free withdrawals. In this article, we'll explore the most common tax-advantaged retirement accounts and their benefits.
Apple is a declining company that is desperate for new products. Their valuation multiples have increased significantly faster than their revenue/earnings while their debt has gone up in relation to equity. Their earnings decreased 10.6% year over year last quarter and no one is talking about it. This thing is going to come down eventually, the only question is when.
The Fed believes injecting money into the economy is helping the recovery and ensuring market stability; however, it really is not materially and sustainably succeeding. The stock market is in a bubble that will pop again soon, corporate bond and CMBS default rates will increase over the coming year, deflation will make debt a heavier burden and cash more valuable, the Fed is powerless to stop it. Our economy enters a deflationary cycle that will be hard to get out of, until the bank reserves find their way into the real economy.
China’s economy is potentially going down led by an over-leveraged banking system and it may cause US tech stocks, which derive supply and demand from China, to lead a market correction. Comparing this coronavirus situation to SARS is extremely disingenuous due to the state of the Chinese economy in 2003 compared to the state of the Chinese economy now. The downward pressures from China on world GDP growth as well as Boeing’s pressures on US GDP growth create a significant risk in all world equity markets that is not being priced in. While this does not mean that the US is definitely heading towards a recession or even a global recession, but that the risk should not be ignored by world markets, no matter how much liquidity central banks pump in.
