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Thoughts in Charts: Interest Rates Headwinds and Tailwinds

Interest rate expectations are shifting. What does this mean for a stock portfolio? This week’s chart illustrates activity from the last week of September. It depicts the forward 1-month overnight index swap (OIS) curve. Think of the…
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Thoughts in Charts: Retirement Ready vs Debt Free

This week’s chart illustrates why I encourage people to consider their retirement savings with the same weight as they consider aggressively paying off debt. The idea of living debt free is so catchy and liberating, but what if it’s…
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Thin(k) About Your 401(k) Plan: In-Plan Roth Conversion

The Small Business Jobs Act of 2010 modified by The American Taxpayer Relief Act of 2012 gave retirement plan sponsors the ability to offer in-plan Roth conversions.  Additionally, plans that don’t currently offer the provision can add…
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Thoughts in Charts: Beware of the 1-Year Returns

Trailing returns can be a fickle beast. We are about to see dramatic examples of why rolling returns can often convey a deceiving message, especially when it involves an unprecedented time period like 2020. The intense market drop in March…
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Thoughts in Charts: A Bumpy 2nd Year

Are we in for a bumpy recovery ride? The above chart shows the average implied volatility on the left axis during the second year of a bull market, which is represented on the bottom axis.   March 23rd will mark the 1-year anniversary…