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Why the Yield Curve Matters

   By Schwab Center For Financial Research, April 01, 2019   Why the yield curve matters.   A normal yield curve slopes upward from shorter maturities to longer ones. Investors usually require extra return to tie up their money for longer periods. The slope can change when the Federal Reserve raises short-term rates to…

Getting to the Point of a Point

A quick online search for “Dow rallies 500 points” yields a cascade of news stories with similar titles, as does a similar search for “Dow drops 500 points.” These types of headlines may make little sense to some investors, given that a “point” for the Dow and what it means to an individual’s portfolio may…

Déjà Vu All Over Again

Investment fads are nothing new. When selecting strategies for their portfolios, investors are often tempted to seek out the latest and greatest investment opportunities. Over the years, these approaches have sought to capitalize on developments such as the perceived relative strength of particular geographic regions, technological changes in the economy, or the popularity of different…

Fed Holds Steady, Projects Patience Going Forward

Charles Schwab’s Bond Insight contributor Collin Martin published an article on January 30, 2019 outlining the Feds most recent decision to keep its short-term interest rate steady. Key Points •As expected, the Federal Open Market Committee (FOMC) on Wednesday left short-term rates unchanged. The target range for the federal funds rate is still 2.25% to…

KEY QUESTIONS FOR THE LONG-TERM INVESTOR

Focusing on what you can control can lead to a better investment experience. Whether you’ve been investing for decades or are just getting started, at some point on your investment journey you’ll likely ask yourself some of the questions below. Trying to answer these questions may be intimidating, but know that you’re not alone. Your…

Total Cost of Ownership

Costs matter. Whether you’re buying a car or selecting an investment strategy, the costs you expect to pay are likely to be an important factor in making any major financial decision. People rely on a lot of different information about costs to help inform these decisions. When you buy a car, for example, the sticker…

The Role of International Investments

As of late, we have been receiving questions about the role of international investments. These questions have led to some great conversations. As a firm, we make it a priority to respond thoughtfully and thoroughly. As part of this response process, we have compiled a short educational guide detailing how international investments are an essential…

The Impact of Inflation

When the prices of goods and services increase over time, consumers can buy fewer of them with every dollar they have saved. This erosion of the real purchasing power of wealth is called inflation. Inflation is an important element of investing. In many cases, the reason for saving today is to support future spending. Therefore,…

E+R=O, A Formula for Success

“The important thing about an investment philosophy is that you have one you can stick with.” -David Booth, Founder, and Executive Chairman, DFA Our affiliates at DFA recently published an article entitled ‘E+R=O, a Formula for Success’. The article talks about how combining an enduring investment philosophy with a simple formula that helps maintain investment…

Sailing with the Tides

Embarking on a financial plan is like sailing around the world. The voyage won’t always go to plan, and there’ll be rough seas. But the odds of reaching your destination increase greatly if you are prepared, flexible, patient, and well-advised. A mistake many inexperienced sailors make is not having a plan at all. They embark…

Recent Market Volatility

February 2018 After a period of relative calm in the markets, in recent days the increase in volatility in the stock market has resulted in renewed anxiety for many investors. From February 1–5, the US market (as measured by the Russell 3000 Index) fell almost 6%, resulting in many investors wondering what the future holds…

The Uncommon Average

“I have found that the importance of having an investment philosophy—one that is robust and that you can stick with— cannot be overstated.” —David Booth The US stock market has delivered an average annual return of around 10% since 1926.[1] But short-term results may vary, and in any given period stock returns can be positive, negative,…

Lessons for the Next Crisis

It will soon be the 10-year anniversary of when, in early October 2007, the S&P 500 Index hit what was its highest point before losing more than half its value over the next year and a half during the global financial crisis. Over the coming weeks and months, as other anniversaries of major crisis-related events…

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