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The Gen-X 401(k) Millionaire
Generation X—those born between 1965 and 1978—is known as the “401(k) generation.” They entered the workforce about the time that 401(k) plans were being introduced, and started their own retirement savings earlier than prior generations (the average age to start saving for retirement was 27). They...
Investing Cash in Bull Markets
A common question that I frequently hear from our clients at The Fiduciary Group is “how can we invest fresh cash in stocks and bonds when prices seem so high?” Stock indices have repeatedly set new records this year, and bond prices have moved higher as yields have hovered near historic lows....
Corporate Cash Allocation Decisions
Although the economic recovery since the 2008 financial crisis has been less than robust, companies have been doing quite well. Corporate profits as a percentage of GDP are at record levels, as companies have benefitted from the tailwinds of low interest and labor costs, while also focusing on the...
Advice to My Children
In our last newsletter, I wrote about the investment advice that I learned from my father. In this issue, I will pass on the investment advice that I would like to share with my three children in the hope that it might also benefit the children and grandchildren of some of our Fiduciary Group...
Understanding Mutual Funds
When I meet with 401(k) participants to educate them about saving and investing, I always start with the basics—explaining, among other things, what stocks, bonds, and mutual funds are, and how and when they might be utilized in an investment portfolio. Because participants seem to find this...
Coming Of Age During The Great Recession
The financial crisis and associated market volatility has caused a lot of people to lose confidence in the stock market. No group appears to have been more scarred by 2008, however, than the Millennials—the 21-36 year olds who “came of age” as investors over the last 10+ years. This chart tracks...
Lessons On Investing from My Dad
My father started The Fiduciary Group over 40 years ago with the idea that clients would come to him primarily for trust and estate administration (he previously worked in, and ultimately was the head of, the trust department of a local bank). Early on, he found that more and more clients wanted...
Investment Selection
This is the fourth installment in a series on the Investment Process of The Fiduciary Group. Before jumping into the subject of selecting investments, let’s recap the key takeaways from the first three steps in our investment process.
End of Life Planning
Since we are all mortal, we will all personally face end of life issues. It is essential to have appropriate documents in place that will address both financial and healthcare matters that ultimately arise. In a recent survey completed by Boomer Market Advisor, 50% of respondents did not have a...