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Thoughts in Charts: Municipal Bond Double-Take

I love when a chart makes you do a double take. When a chart makes you go “Yes!” but then after another minute “Oh”. Because municipal bond yield is usually exempt from state, local and federal taxes, investors are willing to…
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Is a 60/40 Investment Allocation for Everyone?

  One of the most important choices we have with our investments is the allocation of our dollars. How much will we invest in stocks, in bonds, or in any other assets? Large or small, growth or value?  Studies have shown that over…
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Thoughts in Charts: U.S. Currency

I took a trip to Europe after I graduated from college. My parents bought the plane ticket, and I was responsible for my “walking around” money. I wasn’t in the habit of following the currency market, so standing at the exchange counter…
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Thoughts in Charts: Keeping a Global Perspective

As US investors, it’s important to pay attention to how the international market is behaving. The panel on the left shows that US returns were stronger from 2005 to 2019, followed by EM, Europe ex-UK and then Japan. Now let’s look…
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Thin(k) About Your 401(k) Plan: A Non-401(k) Plan Week – A Fascinating Resource of Reports From McKinsey

McKinsey has recently published a fascinating and useful collection of reports Charting The Path To The Next Normal: A daily chart that helps explain a changing world - during the pandemic and beyond.  The page is full of charts linking to…
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Diversification – What Happened?

We’ve heard it time and again – “Don’t keep all your eggs in one basket.”  This childhood lesson finds its way into most investment portfolios, with diversification being an important and well-accepted principle in developing…
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Thoughts in Charts: The Curve May Change the Strategy

I was talking with a mentor late last year, and she was telling me about this incredibly “reasonable” request from a client. He was asking for a very low risk 2% annual income from an investment that he was happy to hold for the next 15…
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Fellow Women – Bring Together Money and its Meaning in Your Life

Five months into a quieter isolated life, many of us have taken to online yoga classes, healthier home cooking, and meditation as ways to deal with the disruption. But as you strive to bring peace into your life, are you at peace with…
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Controlling What You Can

  The need for long-term financial security is real, but sometimes financial choices are more heavily driven by pressing needs and wants along the way. If you find yourself falling short at retirement time, you may continue working…
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Thoughts in Charts: Withdrawal Timing

The timing of your cash withdrawals matter. The U.S. Stock market has persisted upward for the last 150 years; however, this has not been without periods of dramatic downturns. Some of these downturns lasted a significant amount of time. Over…