by Judy Esau | May 6, 2014 | Market Outlook
A common adage in finance is that rising interest rates will cause the price of bonds to decline. This is not the case for all bonds, but the statement does have some truth. Let’s consider an investment in U.S. Treasury ‘separate trading of registered interest and...
by Judy Esau | Aug 21, 2013 | Market Outlook
The debt ceiling battle in the late summer of 2011 marked an infamous demonstration of government inefficiency. The debt ceiling, or the amount of debt the United States government can borrow through the sale of government bonds, is set by the U.S. Congress. In 2011,...
by Judy Esau | Aug 12, 2013 | Market Outlook
Of central focus to investors has been the possibility of the Federal Reserve (Fed) altering monetary policy in the near future to adjust for improving economic conditions. Specifically, speculation is that new Fed policy will allow interest rates to rise to normal...
by Judy Esau | Jul 10, 2013 | Market Outlook
In the past 6 weeks markets have seen a significant amount of volatility, linked almost entirely to anticipated changes in monetary policy. Specifically, the Federal Reserve Board has attempted to stimulate the economy in several ways since the recession. The first...
by Judy Esau | Jul 10, 2013 | Market Outlook, Portfolio Research, Tax Awareness
In the recent past, annuity investments were generally frowned upon by advisors, due largely to their inflexibility, fees and the use of them inside retirement programs that were already tax sheltered programs. Limitations with regard to survivorship options,...
by Judy Esau | Jul 10, 2013 | Market Outlook, Portfolio Research
Modern portfolio theory (MPT) is an approach to portfolio management with the objective to minimize the overall risk, also known as standard deviation or volatility, of the portfolio for a given expected return. Its significant implications along with its simplicity...
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