INSERT YOUR DISCLOSURES HERE. i.e. Securities and advisory services offered through BROKER DEALER NAME., member FINRA, SIPC and a Registered
|
|
- Roland Mills
- 5 years ago
- Views:
Transcription
1 INSERT YOUR DISCLOSURES HERE. i.e. Securities and advisory services offered through BROKER DEALER NAME., member FINRA, SIPC and a Registered Investment Advisor. DBA NAME and BROKER DEALER NAME are separate companies.
2 IMPORTANT DISCLOSURES Investment Advisory Services offered through Align Wealth Management, a Federally Registered Investment Advisor. Performance results are presented net-of-fees and reflect the reinvestment of dividends and capital gains. Portfolio returns are composite returns of all clients invested within the respective portfolios. Individual results may vary as each client s portfolio is customized to their particular circumstances. In addition, returns will likely vary based on timing of deposits and withdrawals, as well as the use of asset classes and investments that are not part of our current portfolio allocations. Returns are Time Weighted Returns. No current or prospective client should assume that the future performance of any specific investment or strategy will be profitable or equal to past performance levels. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will either be suitable or profitable for a client's investment portfolio. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investmentmanagement fee, the incurrence of which would have the effect of decreasing historical performance results. There are no assurances that a portfolio will match or outperform any particular benchmark. Opinions, estimates, forecasts, and statements of financial market trends that are based on current market conditions constitute our judgment and are subject to change without notice. We believe the information contained in this commentary has been obtained from sources that are reliable. This presentation is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. These are the views of Align Wealth Management and should not be construed as investment advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your financial advisor for further information.
3 AGENDA Firm Update Market Update What You Own and Why Portfolio Changes Q&A
4 Align Wealth Management Fiduciary Wealth Management Serving community of 142 CLIENTS $225 MILLION under management Over 22 YEARS OF SUCCESS Experience Independence Transparency Our passion is helping you make the most of your one financial life.
5 Other Firm News: NAPFA Board of Directors Building Purchase New Team Member
6 Laura Payne CPA CFP Past experience: Auditor for Arthur Andersen Human Resources & 401(k) specialist CPA: profit and non-profit entities 3 children Nick, Cathryn, and Rachel Board member on Oklahoma Family Network
7 Our Investment Philosophy Our approach in plain English
8 FIRST HALF SNAPSHOT 2,150 2,130 2,110 Global Growth Worries S&P Performance Through June 30 Oil Prices Plunge +0.24% YTD Greek Bailout Jitters 2,090 2,070 2,050 2,030 2,010 1,990 1,970 Jan-2015 Feb-2015 Mar-2015 Apr-2015 May-2015 Jun-2015 The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. All index returns exclude reinvested dividends and interest. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. Data Source: Yahoo Finance. All data as of June 30,2015.
9 INTRA-YEAR DIPS ARE NORMAL Source: Standard & Poor s, FactSet, J.P. Morgan Asset Management. Returns are based on price index only and do not include dividends. Intra-year drops refers to the largest market drops from a peak to a trough during the year. For illustrative purposes only. Past performance does not guarantee future returns.. *Returns shown are calendar year returns from 1980 to 2014, excluding 2015, which is year-to-date. Data are as of June 30, 2015.
10 Markets Have Rewarded Discipline Growth of a dollar MSCI World Index (net dividends), IP2420 $100 $10 Arab oil Arab oil embargo embargo Oil prices quadruple e S&P 500 down 43% BusinessWeek: The Death of of Equities Gold hits Gold record hits high record high US US inflatio inflation at n 13.5% at 13.5% Dow Dow drops drops 23% 23% on on Black Black Monday Savings and loan loan crisis crisis 1 Iraq invades Kuwait Income tax rates e tax rise rates Dotcom stock crash rate Y2K Y2K Scare Scar e 9/11 terrorist attacks Russian financial crisis Asian currency crisis Subprime mortgage crisis S&P 500 down 46% Hurricanes Katrina Hurricanes and Rita Iraq Katrina S&P war and Rita Subprime 500 Iraq begin mortgage down war s crisis 46% Eurozone debt crisis US home prices hit bottom Fiscal cliff worries $45 $43 $ $0 A disciplined investor looks beyond the concerns of today to the long-term growth potential of markets. In US dollars. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is no guarantee of future results. MSCI data MSCI 2015, all rights reserved. 10
11 Reacting Can Hurt Performance Performance of the S&P 500 Index, IP2415 Growth of $1,000 $88,454 $79,322 $57,513 $33,400 Missing only a few days of strong returns can drastically impact overall performance. $21,070 $9,193 Total Period Missed 1 Best Day Missed 5 Best Single Days Missed 15 Best Single Days Missed 25 Best Single Days One- Month US T-Bills Annualized Compound Return 10.47% 10.21% 9.42% 8.11% 7.01% 5.05% In US dollars. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is not a guarantee of future results. Performance data for January 1970 August 2008 provided by CRSP; performance data for September 2008 December 2014 provided by Bloomberg. S&P data provided by Standard & Poor s Index Services Group. US bonds and bills data Stocks, Bonds, Bills, and Inflation Yearbook, Ibbotson Associates, Chicago (annually updated work by Roger G. Ibbotson and Rex A. Sinquefield). 11
12 The Media Greece is Broke! The U.S. is Broke! The Republicans may Win! The Democrats may Win! The Fed is raising rates! Inflation is out of control! Deflation is out of control! Social Security is Broke! The Market is Too High! Stocks/Bonds are Going Up Stock/Bonds are Going Down For illustrative purposes only. 12
13 WE AREN T WORRIED ABOUT GREECE 1. Greek defaults are nothing new first default was in 4 th century B.C. and Greece has defaulted 5 times since Greece contributes just 0.3% to the global economy. 3. Default &/or Grexit has been widely broadcast it s hardly news - a default or Grexit from the EU would not likely be a surprise. Source: U.S. Trust, World Bank
14 World Market Capitalization Percent of world market capitalization as of December 31, 2014 Market cap data is free-float adjusted from Bloomberg securities data. Many nations not displayed. Total may not equal 100% due to rounding. For educational purposes; should not be used as investment advice. China market capitalization excludes A-shares, which are generally only available to mainland China investors. 14
15
16
17
18 Changes to Bond Allocations
19 Core Holding: Investment Grade Short-term, high-quality bonds are good for reducing the risk of the overall portfolio, but their low returns in today s interest rate environment proportionally reduce portfolio return. Our most current research indicates the probability of loss for the new portfolios, especially those with the lowest percentage of equities, will decrease even though the bond allocation itself may lose money from time to time.
20 Different bonds for different people Bonds play different roles in portfolios depending on the risk tolerance level of the investor: More cautious investors should consider investing in inflation protected bonds. More aggressive investors should consider investing in high-credit-quality, long-term bonds.
21 Returns by Year S&P 500 vs. 10 year Treasury Bonds Year S&P year T. Bond % 16.66% % 5.57% % 15.12% % 0.38% % 4.49% % 2.87% % 1.96% % 10.21% % 20.10% % % % 8.46% % 16.04% % 2.97% % -9.10% % 10.75% 21
22 Returns by Year S&P 500 vs. 10 year Treasury Bonds Year S&P year T. Bond % 16.66% % 5.57% % 15.12% % 0.38% % 4.49% % 2.87% % 1.96% % 10.21% % 20.10% % % % 8.46% % 16.04% % 2.97% % -9.10% % 10.75% 22
23 What about rising interest rates? Bond yields went from approximately 5% to 15% from 1972 to 1982, yet 10-year government bonds only lost money in 1978 and 1980 (-0.78% and -2.99%). Reality: Bonds have actually made money 4 out of the last 5 rate hike periods.
24 Bond Implementation Schedule August Dec/Jan March 2016 Stage 1 Stage 2 Stage 3
25
26
27
28
29
30 UNTIL NEXT TIME
31 IMPORTANT DISCLOSURES Investment Advisory Services offered through Align Wealth Management, a Federally Registered Investment Advisor. Performance results are presented net-of-fees and reflect the reinvestment of dividends and capital gains. Portfolio returns are composite returns of all clients invested within the respective portfolios. Individual results may vary as each client s portfolio is customized to their particular circumstances. In addition, returns will likely vary based on timing of deposits and withdrawals, as well as the use of asset classes and investments that are not part of our current portfolio allocations. Returns are Time Weighted Returns. No current or prospective client should assume that the future performance of any specific investment or strategy will be profitable or equal to past performance levels. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will either be suitable or profitable for a client's investment portfolio. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investmentmanagement fee, the incurrence of which would have the effect of decreasing historical performance results. There are no assurances that a portfolio will match or outperform any particular benchmark. Opinions, estimates, forecasts, and statements of financial market trends that are based on current market conditions constitute our judgment and are subject to change without notice. We believe the information contained in this commentary has been obtained from sources that are reliable. This presentation is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. These are the views of Align Wealth Management and should not be construed as investment advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your financial advisor for further information.
INVESTOR DISCIPLINE. Investor Discipline
Investor Discipline Humans are not wired for disciplined investing Many investors follow their emotions Reacting can hurt performance Markets have rewarded discipline Focus on what you can control The
More informationINVESTOR DISCIPLINE. Investor Discipline
Investor Discipline Humans are not wired for disciplined investing Many investors follow their emotions Reacting can hurt performance Markets have rewarded discipline Focus on what you can control The
More informationInvestment Principles
Investment Principles Market Equilibrium I. What s Your Guess? II. III. Markets Integrate the Combined Knowledge of All Participants People Trust Market Pricing Every Day IV. What Affects a Share s Current
More informationTIME TARGETED EQUITY PORTFOLIOS
TIME TARGETED EQUITY PORTFOLIOS 1 3 Year 4 6 Year Equity 7 15 Year 15+ Year Global Diversification Exposure to a large number of securities around the world reduces the risk that any one stock or any one
More informationELC Advisors, LLC. Efficient Low Cost Wealth Management
ELC Advisors, LLC Efficient Low Cost Wealth Management ELC Advisors, LLC Our principles Clients come first As an RIA, ELC Advisors adheres to the fiduciary standard No misaligned incentives, as with broker
More informationFactual Studies on Managed Futures Interaction with Stocks
Factual Studies on Managed Futures Interaction with Stocks Trading futures and options involves substantial risk of loss and is not suitable for all investors. The use of the phrase Managed Futures refers
More informationThe Swan Defined Risk Strategy - A Full Market Solution
The Swan Defined Risk Strategy - A Full Market Solution Absolute, Relative, and Risk-Adjusted Performance Metrics for Swan DRS and the Index (Summary) June 30, 2018 Manager Performance July 1997 - June
More informationSustainable Investment Solutions Personalized Investment Plan
Sustainable Investment Solutions Personalized Investment Plan Portfolio Recommendation and Investment Policy Statement Prepared for John Q. Sample and Mary R. Sample February 11, 2014 By First Affirmative
More informationQ2 Quarterly Market Review Second Quarter 2015
Q2 Quarterly Market Review Second Quarter 2015 Quarterly Market Review Second Quarter 2015 This report features world capital market performance and a timeline of events for the past quarter. It begins
More informationThe Benefits of Long-Term Investing. Time In the Market vs. Timing the Market
The Benefits of Long-Term Investing Time In the Market vs. Timing the Market While you re sitting on the sidelines, waiting for just the right time to invest, some of the market s best single-day performances
More informationPursuing a Better Investment Experience
Pursuing a Better Investment Experience Last updated: April 2016 1. Embrace Market Pricing World Equity Trading in 2015 Daily Average Number of Trades 98.6 million Dollar Volume $447.3 billion The market
More informationManaging market ups and downs. Three tips to help you invest with confidence RETIREMENT PLAN SERVICES
RETIREMENT PLAN SERVICES Managing market ups and downs Three tips to help you invest with confidence Insurance products issued by: The Lincoln National Life Insurance Company Lincoln Life & Annuity Company
More informationVantage Investment Partners. Quarterly Market Review
Vantage Investment Partners Quarterly Market Review First Quarter 2016 Quarterly Market Review First Quarter 2016 This report features world capital market performance and a timeline of events for the
More informationInvesting Insights. Managing Downturns
December 31, 2017 Managing Downturns 2 Number of Months 1902 1907 1910 1913 1918 1920 1923 1926 1929 1937 1945 1948 1953 1957 1960 1969 1973 1980 1981 1990 2001 2007 2017 Expansion vs. Recession in the
More informationSunTrust Advisory Services, Inc. Market Perspective The Pain Trade. Keith Lerner, CFA, CMT Director, Chief Market Strategist March 6, 2017
SunTrust Advisory Services, Inc. Market Perspective The Pain Trade Keith Lerner, CFA, CMT Director, Chief Market Strategist March 6, 2017 The Pain Trade Far more money has been lost by investors preparing
More informationWhy Dividends? Market Commentary January 2018
Why Dividends? Market Commentary January 2018 OVER THE YEARS, INVESTOR APPETITE FOR DIVIDENDS has waxed and waned. Historically, research in dividend investing has measured everything from performance
More informationAlpha Bonds Strategy
Alpha Bonds Strategy Strategy Overview The Alpha Bonds Strategy combines conservative bond funds with Alpha s fourth quarter power periods to create what we believe is a unique solution to the conservative
More informationCLICK TO EDIT MASTER TITLE STYLE Market Perspective
Market Perspective Global Earnings Remain Supportive November 8, 2017 Keith Lerner, CFA, CMT Managing Director, Chief Market Strategist 2017 SunTrust Banks, Inc. SunTrust is a federally registered service
More informationMTA Educational Web Series
MTA Educational Web Series One Practitioner s Guide to Combining Macro, Fundamentals and Technical Analysis Presented by: Keith Lerner, CFA, CMT Chief Market Strategist SunTrust Bank July 2014 Outline:
More informationThe Charter Group Monthly Letter
The Charter Group Monthly Letter November 2018 Issue 42 Mark Jasayko, MBA, CFA Portfolio Manager & Investment Advisor TD Wealth Private Investment Advice The Charter Group, Langley, BC Economic & Market
More informationGraduate Seminar: ETF Advisor Roundtable: Building a Resilient ETF Portfolio
Graduate Seminar: ETF Advisor Roundtable: Building a Resilient ETF Portfolio Matt Hougan President ETF.com Bryan Novak Director of Trading Astor Investment Management Channing Smith Managing Director Capital
More informationTACTICAL DIVIDEND GROWTH
TACTICAL DIVIDEND GROWTH THE PROBLEM WITH BUY & HOLD WBI does not stand for We Beat Indexes ; it stands for Wealth Builders, Inc. At WBI, we believe preserving capital to unleash the powerful benefits
More informationActive management headwinds:
QUANTITATIVE DESK STRATEGIES Active management headwinds: correlation and fund flows, quant vs. fundamental 1 October 211 Quantitative strategists Joseph J. Mezrich joseph.mezrich@nomura.com 1-212-667-9316
More informationFTSE Nareit All Equity REITs equity market capitalization = $986.8 billion
Nareit REIT Industry Fact Sheet Data as of, except where noted. Unless otherwise noted, all data are derived from, and apply only to, publicly traded US REITs. Industry Size FTSE Nareit All REITs equity
More informationFinding equity returns in the U.S.
Finding equity returns in the U.S. Challenges and opportunities Our panelists Chris Jones, CIO, U.S. Growth & Small Cap Tom Luddy, Portfolio Manager, Large Cap Core and Large Cap Core Plus 130/30 Clare
More information20% 20% Conservative Moderate Balanced Growth Aggressive
The Global View Tactical Asset Allocation series offers five risk-based model portfolios specifically designed for the Retirement Account (PCRA), which is a self-directed brokerage account option offered
More informationAn Economic Perspective on Dividends
2017 An Economic Perspective on Dividends Table of Contents Corporate Outlook... 1 2 Market Environment... 3 7 Payout Ratio... 8 9 Long-term View...10 12 Global View... 13 16 Active Management... 17 Risk
More informationEconomic and Market Outlook
Economic and Market Outlook Fourth Quarter 2018 Investment Products: Not FDIC Insured No Bank Guarantee May Lose Value Past performance is no guarantee of future results. Financial term and index definitions
More informationLEARNING FROM THE LESSONS OF TIME
LEARNING FROM THE LESSONS OF TIME INVESTMENT PRODUCTS: NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE THE ISSUES THAT WORRY INVESTORS TODAY AREN T NEW Staying focused despite the day-to-day distractions
More informationNCPERS Trustee Education Seminar
NCPERS Trustee Education Seminar PUBLIC EQUITIES 101 May 20, 2017 Steve Eitel Senior Vice President Senior Institutional Client Advisor steven.eitel@pnc.com 312-384-8259 What is a Stock or Equity Security
More informationInvestment Perspectives. From the Global Investment Committee
Investment Perspectives From the Global Investment Committee Introduction Domestic equities continued to race ahead during the fourth quarter of 2014 amid spikes in volatility, dramatic declines in oil
More informationEmerging Markets Stocks Q STOCKS BONDS
Q4 US Stock Market International Developed Stocks Emerging Markets Stocks Global Real Estate US Bond Market Global Bond Market ex US Q4 2017 STOCKS BONDS 6.34% 4.23% 7.44% 2.97% 0.39% 1.10% Since Jan.
More informationCLICK TO EDIT MASTER TITLE STYLE Market Perspective
Market Perspective Bull Market Intact as Healthy Reset Continues May 9, 2018 Investment and Insurance Products: Are not FDIC or any other Government Agency Insured Are not Bank Guaranteed May Lose Value
More informationMunicipal market: How rates rise matters
March 2018 Municipal market: How rates rise matters Chris Barron Vice president, client portfolio manager Nuveen Asset Management Some investors are concerned about the impact a tighter monetary policy
More informationUnderstanding Markets and Long-term Investing. April 2009
Understanding Markets and Long-term Investing April 2009 Disclaimer Any statements contained herein that are not based on historical fact are forward-looking statements. Any forward-looking statements
More informationWhy Should I Invest in the Stock Market Now?
Why Should I Invest in the Stock Market Now? Where Is the Market Headed? Recent volatility has some investors contemplating if they should pull out of the market or sit on the sidelines and wait for the
More informationInvestment Issues for NPO Directors
Investment Issues for NPO Directors Nonprofit Management Center of the Permian Basin Presented by Robert P. Fry, Jr. Makarios LLC Investment Advisors Outline of Today s Presentation NPO Investment Environment
More informationTACTICAL DIVIDEND INCOME
TACTICAL DIVIDEND INCOME THE PROBLEM WITH BUY & HOLD WBI does not stand for We Beat Indexes ; it stands for Wealth Builders, Inc. At WBI, we believe preserving capital to unleash the powerful benefits
More informationTHE PROBLEM WITH BUY & HOLD
RETIREMENT INCOME THE PROBLEM WITH BUY & HOLD WBI does not stand for We Beat Indexes ; it stands for Wealth Builders, Inc. At WBI, we believe preserving capital to unleash the powerful benefits of compounding
More informationInterest Sensitive Fixed Income Market Data
Interest Sensitive Fixed Income Market Data April 2013 NORTH AMERICA KEVIN FLANAGAN Morgan Stanley Wealth Management Chief Fixed Income Strategist Managing Director kevin.flanagan@morganstanley.com +1
More informationOutlook Intact, Despite Tariff Risk
Steel 232 232 Retaliation China 301 301 Retaliation (E) Tax Cuts Spending Repatriated Profits (E) M A R K E T P E R S P E C T I V E Keith Lerner, CFA, CMT Managing Director, Chief Market Strategist SunTrust
More informationUsing Options to Manage Volatility
Using Options to Manage Volatility CBOE European Risk Management Conference Scott Maidel, CFA Senior Portfolio Manager OCTOBER 2013 Important information and disclosures Russell Investment Group is a Washington,
More informationCMG Tactical Rotation Strategy CMG Capital Management Group, Inc. Financial Professional Use Only
CMG Tactical Rotation Strategy About CMG CMG is a Registered Investment Advisor located in King of Prussia, Pennsylvania founded in 1992 by Stephen Blumenthal. Since the beginning, CMG has embraced Uncommon
More informationMarket Pullback A Q&A with our Investment Team
Market Pullback A Q&A with our Investment Team The Morningstar Investment Management group August 2015 Last week, stock markets fell globally in the toughest week of 2015 to date. Investors weighed concerns
More informationThe Timely Case for Quality and Value Stocks
Click here to visit the Barrow Funds website When you click on link above, you are leaving the Barrow Street Advisors website BARROW STREET ADVISORS The Timely Case for Quality and Value Stocks December
More informationTechnical Analysis: Market Insight
Technical Analysis: Market Insight October 1987 vs. October 2017 Today (Oct. 19, 2017) marks the 30 th anniversary of Black Monday a global market crash during which the S&P 500 dropped 20% in one day.
More informationGIC Markets Library. From the Global Investment Committee
GIC Markets Library From the Global Investment Committee BREXIT Now What? Discussion Points Financial and betting markets were wrong; by a 52% to 48% margin on high voter turnout, UK voters have elected
More informationMonthly Financial Market Update June 1, 2017
Jeremy R. Hofer Hofer & Associates Wealth Management 90 E. Thousand Oaks Blvd #310 Thousand Oaks, CA 91360 (805) 557-8054 www.hoferwm.com Monthly Financial Market Update June 1, 2017 The summary below
More informationErika Safran, CFP. President Safran Wealth Advisors, LLC A Registered Investment Advisor
2015 Erika Safran, CFP President Safran Wealth Advisors, LLC A Registered Investment Advisor ? Build financial confidence $.09 1913 1963 2014 19$.? Investing means taking risks. Not investing means taking
More informationQuarterly Market Review. Third Quarter 2017
Q3 Quarterly Market Review Third Quarter 2017 Market Summary Index Returns US Stock Market International Developed Stocks Emerging Markets Stocks Global Real Estate US Bond Market Global Bond Market ex
More informationFIVE KEYS TO EMERGING MARKET OUTLOOK John Lynch Chief Investment Strategist, LPL Financial Jeffrey Buchbinder, CFA Equity Strategist, LPL Financial
LPL RESEARCH WEEKLY MARKET COMMENTARY KEY TAKEAWAYS We favor emerging market and U.S. equities for tactical asset allocations based primarily on our outlooks for global economic growth and earnings. We
More informationInterest Sensitive Fixed Income Market Data
Interest Sensitive Fixed Income Market Data NORTH AMERICA April 2014 KEVIN FLANAGAN Morgan Stanley Wealth Management Chief Fixed Income Strategist Managing Director kevin.flanagan@morganstanley.com +1
More informationChart Collection for Morning Briefing
Chart Collection for Morning Briefing March 22, 17 Dr. Edward Yardeni 16-972-7683 eyardeni@ Mali Quintana 48-664-1333 aquintana@ Please visit our sites at www. blog. thinking outside the box Figure 1.
More information(Comparisons Charts)
(Comparisons Charts) IFS-A76904 Charts 1-10 Reminder: You must include the Glossary of Indices and disclosure pages with all charts you select to use, either individually or as a group. Information as
More informationWashington & The Investment Landscape Daniel Clifton February 2019 Macro Research
Washington & The Investment Landscape Daniel Clifton February 2019 Macro Research Investment Strategy Economics Policy Research Quantitative Research Technical Research Fixed Income Research Industry Surveys
More informationAlphaSolutions Sector Rotation Model
AlphaSolutions Sector Rotation Model An investment model based on trending and momentum strategies Portfolio Goals Primary: Seeks long term growth of capital by investing in highranked U.S. Equity Sectors
More informationPortfolio review as of October 20, 2010
Portfolio review as of October 20, 2010 Asset allocation summary Value on Oct 20 ($) % of portfolio A Cash and cash alternatives 224,238.92 2.99 U.S. cash 224,238.92 2.99 B Equities 6,283,324.13 83.89
More informationA Guide to 2016 s Market Volatility. CONGRESS WEALTH MANAGEMENT, LLC 250 Northern Ave, Suite 310, Boston, MA
CONGRESS WEALTH MANAGEMENT, LLC 250 Northern Ave, Suite 310, Boston, MA 02210 www.congresswealth.com Contents What will it take to calm the markets? Will the correction in U.S. stocks turn into a bear
More informationUNDERSTANDING THE STOCK MARKET CORRECTION
UNDERSTANDING THE STOCK MARKET CORRECTION EmergingWealth Investment Management, Inc. 5700 Corporate Drive, Suite 360 Pittsburgh, PA 15237-5829 Phone: (412) 548-1386 E-mail: wealth@emergingwealth.com Legend
More information(Markets and Tragedies)
(Markets and Tragedies) IFS-A76899 Charts 1-7 Reminder: You must include the Glossary of Indices and Disclosure pages with all charts you select to use, either individually or as a group. Information as
More information2016 July Financial Market Update
Brexit Fades as Focus Returns Home 2016 July Financial Market Update Last month s summary ended with the following remarks: July 29, 2016 Don t discount the possibility of additional short-term volatility
More informationIMPORTANT DISCLOSURES
Expand Your Reach. IMPORTANT DISCLOSURES This presentation is for educational purposes only and is not intended to project the performance of any specific investment. May not be suitable for all investors.
More informationWealth Management Outlook 1 st Quarter 2018
Wealth Management Outlook 1 st Quarter 2018 Goldilocks Economy Too Cold Just Right Too Hot 2 Executive Summary Review of the year-to-date performance What causes bear markets? What worries us? What should
More informationUsing Market Insights to discuss Principles of successful long-term investing
Using Market Insights to discuss Principles of successful long-term investing Nandini Ramakrishnan Learning objectives Describe the principles of successful long-term investing Give examples of time tested
More informationStock Market Expected Returns Page 2. Stock Market Returns Page 3. Investor Returns Page 13. Advisor Returns Page 15
Index Stock Market Expected Returns Page 2 Stock Market Returns Page 3 Investor Returns Page 13 Advisor Returns Page 15 Elections and the Stock Market Page 17 Expected Returns June 2017 Investor Education
More informationBROAD COMMODITY INDEX
BROAD COMMODITY INDEX COMMENTARY + STRATEGY FACTS JUNE 2017 80.00% CUMULATIVE PERFORMANCE ( SINCE JANUARY 2007* ) 60.00% 40.00% 20.00% 0.00% -20.00% -40.00% -60.00% -80.00% ABCERI S&P GSCI ER BCOMM ER
More information6,606,978, % 6,606,978, % 6,606,978, % % NAV % (4) Equity Derivatives Warrants, Rights & Subscriptions
Pershing Square Holdings, Ltd. (the "Company") ** - Includes C Stratum Investor Reporting as of 31-Jan-2015 Confirmations & Qualifications Stratum Ref No : F000001258:31JAN2015:10 Morgan Stanley Fund Services
More informationFriday, February 21, Dear Valued Clients and Friends,
Friday, February 21, 2014 Dear Valued Clients and Friends, Another week behind us, and with it, the vast majority of earnings season is complete (though some results will continue to trickle in). I spend
More informationMarket Perspective. Our View After the Snapback
Market Perspective Our View After the Snapback January 22, 2019 Investment and Insurance Products: Are not FDIC or any other Government Agency Insured Are not Bank Guaranteed May Lose Value Keith Lerner,
More informationSchwab Diversified Growth Allocation Trust Fund (Closed to new investors) Institutional Unit Class As of June 30, 2017
Fund Facts Trustee Fund Type Charles Schwab Bank Collective Trust Fund Morningstar Category Allocation - 50-70% Equity Benchmark Global Growth Custom Index 1 Unit Class Inception Date 3/7/2012 Fund Inception
More informationInvestment Perspectives. From the Global Investment Committee
Investment Perspectives From the Global Investment Committee Crude Prices Have Declined Significantly Long-Term WTI Crude Price 1 and Month-Over-Month Change As of March 31, 2016 WTI Crude Spot Price and
More informationPROFESSIONALLY MANAGED INVESTMENT SOLUTIONS THROUGH EXCHANGE TRADED FUNDS
PROFESSIONALLY MANAGED INVESTMENT SOLUTIONS THROUGH EXCHANGE TRADED FUNDS CALING THE HEIGHTS SCALING THE HEIGHTS I WITH EXCHANGE TRADED FUNDS Y THE INVESTMENT CREATED FOR INSTITUTIONS IS NOW AVAILABLE
More informationQuarterly Market Review Second Quarter 2015
Q2 Quarterly Market Review Second Quarter 2015 Quarterly Market Review Second Quarter 2015 This report features world capital market performance and a timeline of events for the past quarter. It begins
More informationAlphaSolutions Multi-Sector Fixed Income Model
AlphaSolutions Multi-Sector Fixed Income Model A fixed income model based on trending and momentum strategies Portfolio Goals Primary: Seeks to invest in highranked sectors within the fixed income market
More informationUnderstanding Markets and Long-Term Investing. December 31, 2011
Understanding Markets and Long-Term Investing December 31, 2011 The story behind these charts The beauty of newspapers, from a publisher s perspective, is that they re addictive. A story doesn t unfold
More informationRetirement Plans. Participant education program. Avoiding. emotional investing
Retirement Plans Participant education program Avoiding emotional investing 2 Emotional investing Market timing Market volatility Whether or not you ve enrolled in your company s retirement plan, we want
More informationGuided Equity Allocation
September 2017 Guided Equity Allocation VanEck Vectors NDR CMG Long/Flat Allocation ETF Disclosures This material does not constitute an offer to sell or solicitation to buy any security, including shares
More informationSWS programs. Education program in the fall. Research Teams. Investment Board. Executive Board
Introduction to SWS SWS programs Education program in the fall Seminar Series Investment Project Mentorship opportunities Research Teams Becoming an expert in an industry Giving stock pitches Investment
More informationQuarterly Market Review. Fourth Quarter 2015
Q4 Quarterly Market Review Fourth Quarter 2015 Quarterly Market Review Fourth Quarter 2015 This report features world capital market performance and a timeline of events for the past quarter. It begins
More informationSponsored by: Presented by: Diane M. Pearson, CFP, PPC, CDFA And James J. Holtzman, CFP, CPA
Sponsored by: Presented by: Diane M. Pearson, CFP, PPC, CDFA And James J. Holtzman, CFP, CPA Diane M. Pearson, CFP, PPC, CDFA Diane M. Pearson, CFP, PPC, CDFA is an Advisor and Shareholder with Legend
More informationAlpha Broker MA- FX: Detailed Performance Report
NOTICE This detailed performance report was prepared manually by Alpha Broker Investment Company, on the date mentioned below in the footer. These analyses are prepared for our own purposes with internal
More informationQUARTERLY REVIEW REPORT
QUARTERLY REVIEW REPORT For the Quarter Ending December 31, 2015 PGR Solutions, LLC 51 E. Campbell Ave., Ste. 124 Campbell CA 95008 (408) 871-1590 www.pgrsolutions.com Quarterly Market Review Fourth Quarter
More informationEquity Advised Portfolio Service (EAPS) External Circulation Permitted January Monthly Update
Equity Advised Portfolio Service (EAPS) External Circulation Permitted January 2018- Monthly Update Salient Features - EAPS What does the service cover? What is not covered? Process Eligibility Tariff
More informationDividend Growth as a Defensive Equity Strategy August 24, 2012
Dividend Growth as a Defensive Equity Strategy August 24, 2012 Introduction: The Case for Defensive Equity Strategies Most institutional investment committees meet three to four times per year to review
More informationJANUARY 25, 2019 Market Commentary by Scott J. Brown, Ph.D., Chief Economist
JANUARY 25, 2019 Market Commentary by Scott J. Brown, Ph.D., Chief Economist Investor sentiment continued to bounce between fear and hope. The week began with continued concerns about the global economy
More informationMonthly Perspectives. From the Global Investment Committee July 2015
Monthly Perspectives From the Global Investment Committee July 2015 The Great Rebalancing Faces Bumps Not Roadblocks As of July 15, 2015 Our primary investment thesis for 2015 remains intact. To review,
More informationWhy the Wave in Box Plant M&A?
Why the Wave in Box Plant M&A? November 3, 2016 Bill Hornell Managing Director Historical Global M&A Total Transaction Value by Year For the Periods Ended December 31, 1997 2015 and for the Period Ended
More informationINDEX PERFORMANCE HISTORY MARKET CYCLE ANALYSIS*
OVERVIEW Index Name: Helios Alpha Index Ticker: Inception Date: September 30, 2003 S&P Launch Date: March 3, 2017 Benchmark: MSCI ACWI Index INDEX PERFORMANCE HISTORY As of: October 31, 2018 DESCRIPTION
More informationYOUR MONEY WORKING FOR YOU
Money Matters YOUR MONEY WORKING FOR YOU A Transamerica Company YOUR FINANCIAL FUTURE STARTS NOW Many goals and dreams in life such as funding a child s college education, purchasing a home or retiring
More informationA Case for Natural Resources Investing
ACTIVE INVESTMENT SOLUTIONS. Sector Case Study: A Case for Natural Resources Investing Rob Young, CFA, ICON Natural Resources (ICBMX) Portfolio Manager Key Takeaways: According to ICON s valuations and
More informationTHE REWARDS OF MULTI-ASSET CLASS INVESTING
INVESTING INSIGHTS THE REWARDS OF MULTI-ASSET CLASS INVESTING Market volatility and asset class correlations have been on the rise in recent years, leading many investors to wonder if diversification still
More informationBrexit and Market Implications Special Commentary & Webinar
Brexit and Market Implications Special Commentary & Webinar June 27, 2016 SR# 904360 Today s Speakers Envestnet PMC Zachary Karabell Head of Global Strategy, Envestnet As Head of Global Strategy, Mr. Karabell
More informationDECEMBER 2018 Capital Markets Update
DECEMBER 2018 Market commentary U.S. ECONOMICS Nonfarm payrolls jumped by 312,000 in December, well above expectations for a 176,000 increase. The healthcare sector (+50,000) led job creation, while restaurants
More informationINDEX PERFORMANCE HISTORY MARKET CYCLE ANALYSIS*
Jun 09 Dec 09 Jun 10 Dec 10 Jun 11 Dec 11 Jun 12 Dec 12 Jun 13 Dec 13 Jun 14 Dec 14 Jun 15 Dec 15 Jun 16 Dec 16 Jun 17 Dec 17 Jun 18 Dec 18 Dec 07 Jan 08 Feb 08 Mar 08 Apr 08 May 08 Jun 08 Jul 08 Aug 08
More informationtax alpha harvesting gains LET S START
TAX LOSS/GAIN HARVESTING Volatile markets create fertile ground to generate tax alpha the improvement in portfolio returns created by strategically harvesting depreciated assets to offset portfolio gains.
More informationlessons of time Jeff Schmeltekopf, CLU, ChFC, CFP, AIF Owner/Partner Dean, Jacobson Financial Services, LLC
Learning from the lessons of time Jeff Schmeltekopf, CLU, ChFC, CFP, AIF Owner/Partner Dean, Jacobson Financial Services, LLC INVESTMENT PRODUCTS: NOT FDIC INSURED NOT BANK GUARANTEE MAY LOSE VALUE No
More informationAdvance with Alternative Investments. Diversification when you need it
Advance with Alternative Investments Diversification when you need it All charts are for illustrative purposes and not intended to be representative of any specific investment vehicle. Please refer to
More informationQuarterly Market Review
Q4 Quarterly Market Review Fourth Quarter 2011 Quarterly Market Review Fourth Quarter 2011 This report features world capital market performance in the last quarter. It begins with a global overview, then
More informationPursuing a Better Investment Experience
Pursuing a Better Investment Experience Last updated: February 2017 1. Embrace Market Pricing World Equity Trading in 2016 Daily Average Number of Trades 82.7 million Dollar Volume $346.4 billion The market
More informationGlobal Investment Committee Themes
Global Investment Committee Themes The Global Investment Committee (GIC), which meets monthly to review the economic and political environment and asset allocation models for Morgan Stanley Wealth Management
More information