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November 2011 – Letter From The CEO

November 15, 2011 By 1 Comment
November 2011   Tuesday, November 1, 2011
Geof-Scanlon - Scanlon & Associates Employee Benefits BrokersThe Purpose of My E-Newsletter 
I hope you enjoy receiving my e-newsletter. It is intended to enhance and complement the personalized service that you already receive from me. The e-newsletter’s main objective is to ensure, regardless of busy work schedules and travel plans, that each of my clients will receive at least a minimal amount of timely advice on a regular basis. I also hope it will stimulate your thinking on issues related to your personal finances by providing you with articles on a variety of financial topics. Please feel free to call or e-mail me with any questions or comments, particularly with regard to the applicability of a given idea to your personal situation.Please be liberal in sharing this e-newsletter with your colleagues and friends. Feel free to call or e-mail me with the names and addresses of people who might enjoy receiving their own copy of this e-newsletter.
Economic Indicators: What Can They Tell You? 
Sooner or later, every investor is curious to know if economic indicators can provide clues for investing. That’s why financial institutions have economists on staff and why the latest government reports on this economic indicator or that make headline news. However, the economy is a bit like the weather: forecasters are always talking about it, but what actually happens is quite often a surprise. 
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How and Why to Build a Bond Ladder 
While bonds are subject to several types of risk, two of the main types are interest rate risk, or the risk that interest rate changes will change your bond’s value, and reinvestment risk, or the risk that interest and principal cannot be reinvested at the current bond’s interest rate. It is difficult to simultaneously reduce both risks, since a rise in interest rates reduces reinvestment risk and increases interest rate risk. Thus, you need to find a balance between the two risks. 
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Keeping Score of Your Financial Progress 
Keeping score is important in finances. You only know if you’re making progress toward your goals if you’ve created a plan that tells you where you need to be and when. Essentially, there are two numbers to focus on: your total net worth and your liquid net worth. 
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Consider Maturity Dates 
To help control volatility in your bond portfolio, carefully consider maturity dates before purchase. Bonds can be purchased with maturity dates ranging from several weeks to several decades. Review how that date affects investment risk and your ability to pursue your investment goals. 
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Staggered Retirements 
Often, spouses don’t retire at the same time. Keep these points in mind if you are in that situation. 
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Filed Under: Letter From The CEO

Comments

  1. Darryl Cottier says:
    March 4, 2012 at 3:06 pm

    I think this site has got some real good info for everyone. “Good advice is always certain to be ignored, but that’s no reason not to give it.” by Agatha Christie.

    Reply

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