by Michael Lecours | Jun 19, 2013 | Trend Updates, Uncategorized
During our last trend update, we wrote about trends starting to change in bonds. While US bonds have not maintained a clear direction for the past few months, we were pleased with the performance of emerging market debt and many actively managed funds. In a rather...
by Michael Lecours | Jun 19, 2013 | Economy, Finding Confidence, Investment Behavior, Uncategorized
We’ve fielded a few phone calls from clients in the past few weeks confused about why their statements are not reflecting the same rate of return of the S&P 500 which they’re hearing about in the news. We’re not surprised by the observation. The S&P 500 has...
by Michael Lecours | Jun 14, 2013 | Investment Strategies, Retirement, Saving, Uncategorized
I recently met with prospective clients who needed a lot of guidance. They were entering retirement with substantial assets and sources of income, but there were important health issues to consider. It was complicated. They had not been well served in the past. They...
by Michael Lecours | Jun 12, 2013 | Retirement, Rule of Thumb, Uncategorized
While there are a couple of exceptions, you’re required to take distributions from an IRA or a 401k under two circumstances. These are known as the Required Minimum Distributions, or “RMDs”, and they generally apply to: a. Your own IRA, in the year you’ve reached age...
by Michael Lecours | Jun 1, 2013 | Asset Allocation, Uncategorized
Emerging market debt has recently become a more-widely accepted asset class for income investors looking to diversify their portfolio. It consist primarily of bonds issued by countries with emerging economies (Australia, Brazil, Taiwan, China to name a few) backed by...
by Michael Lecours | May 31, 2013 | Finding Confidence, Investment Behavior, Uncategorized
Investment risk comes in many forms and is talked about so frequently within the industry, that every type of risk has it’s own name. Just a few are longevity risk, inflation risk, interest rate risk, liquidity risk, political risk, and market risk. This post is not...
