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Andy's Two Cents

Notes and thoughts from our director.

May 4, 2023 by bfanderson

Techno/Fundamental Report – 05/04/23

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What is a Secular Bull Market?

What is a Secular Bull Market?

To our firm it is “Nirvana”. A secular bull market happened from 1945-1965 then from 1974- 2000. The market moves in an upward trend anywhere from 10 to 25 years. Along the way there will be corrections and bubbles, but they do not necessarily cause an end to the bull market. There are also secular bear markets. The term “secular” just means “long-term” and bull or bear is whether the market is growing in an upward trend or declining on a downward trend. Currently we believe based on technical and fundamental indicators that we have been in a strong upward trend for growth stocks since 2012.

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Who is the Ideal Client?

Who is the Ideal Client?

Years of experience in the ever-changing landscape of the stock market has taught us many lessons, but one of the top lessons learned is the one about staying power. There are no “risk-free” strategies out there, so your best bet is to buckle down with an advisor you trust and let him or her do the hard work of protecting and growing your money. Individuals, who cannot sit still through the tough times and feel the need to jump at a “bottom” in the market, will never be successful in the stock market. There are many good times to be had, but our clients understand that we cannot control the market. Our firm invests side-by-side with our clients, because we have one goal in mind, which is to find the best companies with the strongest growth potential in their arena. If you can stick with a transparent focused strategy and have a tough attitude, you will be very successful over the long term.

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Is there an Ideal Investment?

Is there an Ideal Investment?

All investors are looking for the permanent perfect investment, but if it existed everyone would want a piece of the action. There is nothing wrong with this desire, but as far as my experience goes, the total ideal “investment” is non-existent. Markets do quite a bit of rotating based on many underlying variables, so succeeding and failing are just a part of the investment experience for novices to professionals. Anyone else who claims they have the “no-risk/high-return” solution is pulling your leg.

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Why do people so commonly see the investing world so wrongly and become so error prone?

Why do people so commonly see the investing world so wrongly and become so error prone?

A big part is that our brains didn’t evolve to deal with ever changing landscapes of capital markets. Humans are intuitive thinkers, but markets are inherently counterintuitive. Common sense thinking is important in many aspects of life, but frequently hurts you big with investing. All humans have opinions, but this can be your greatest enemy when trying to time or quantify investing in the markets.

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Ask Amy

1. When should I start investing for retirement?

1. When should I start investing for retirement?

The best time to start investing for retirement is as early as possible. Thanks to compound interest, even small contributions made in your 20s can grow significantly over time. The longer your money is invested, the more time it has to grow. But it’s never too late to start!

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2. How do I start investing if I don’t have much money?

2. How do I start investing if I don’t have much money?

Start small! Many platforms let you invest with $100 using fractional shares or ETFs. Choose a Brokerage company to open an account, contribute to your employer’s 401(k) plan, or open a Roth IRA etc. Focus on consistency — contributing even $50/month can build wealth over time. The magic of compounding interest is amazing.

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3. What’s the difference between a Roth IRA and a traditional IRA?

3. What’s the difference between a Roth IRA and a traditional IRA?

Traditional IRA: Contributions are tax-deductible now; you pay taxes when you withdraw in retirement.

Roth IRA: Contributions are made with after-tax dollars; withdrawals in retirement are tax-free if certain conditions are met.
Younger investors often benefit more from a Roth, while those seeking a tax break now might prefer a traditional IRA.

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4. How much do I need to retire?

4. How much do I need to retire?

A common rule of thumb is to aim for about 10–12 times your annual income saved by retirement. Alternatively, plan to withdraw 4% per year of your retirement savings to maintain your lifestyle. But your personal target depends on your expenses, lifestyle goals, and healthcare needs.

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5. Is it better to pay off debt or invest for retirement?

5. Is it better to pay off debt or invest for retirement?

Answer:
Ideally, do both — but prioritize based on interest rates:

If your debt interest (like credit cards) is high (>7%), pay that off first.
If your debt is low-interest (like federal student loans), you might be better off investing, especially if you get employer-matching 401(k) contributions or you take a nice tax deduction by contributing to your business’s SEP IRA.

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Contact Me

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Wondering if our investment approach is right for you? Give us a call. We’d be happy to sit down over lunch and discuss our services in more detail.

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Welcome to the Website of B.F. Anderson & Company, Inc.

Our firm is an investment adviser registered with and doing business in State of Louisiana and the State of Texas. Due to various federal, state, and foreign regulations and filing requirements, our firm and its representatives may only provide investment advisory services in those states and countries in which they are appropriately registered or otherwise exempt or excluded from registration requirements.

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Prior to making any investment decision, it is strongly recommended that you seek outside advice from a qualified investment adviser. B.F. Anderson & Company, Inc. does not provide or guarantee any financial, legal, tax, or accounting advice regarding the suitability, profitability, or potential value of any particular investment, security, or information source obtained from this website.

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Readers should not assume that recommendations will be profitable or will equal the performance of previous recommendations. The report on this or any page of the website is not a complete description of the securities, markets or developments referred to herein. All expressions of opinion reflect the judgment of the firm at this date and are subject to change. Information has been obtained from sources considered to be reliable, but we do not guarantee that the information is accurate or complete.

Any information provided is for informational purposes only and does not constitute a recommendation.

You should not treat any opinion expressed by B.F. Anderson & Company, Inc. as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of the firm’s opinion. B.F. Anderson & Company, Inc.’s opinions are based upon information it considers reliable, but the firm does not warrant its completeness or accuracy, and it should not be relied upon as such. B.F. Anderson & Company, Inc., its affiliates and/or subsidiaries, if any, are not under any obligation to update or correct any information provided on this website. B.F. Anderson & Company, Inc.’s statements and opinions are subject to change without notice.

Past performance is not indicative of future results. B.F. Anderson & Company, Inc. does not guarantee any specific outcome or profit. You should be aware of the real risk of loss in following any strategy or investment discussed on this website. Strategies or investments discussed may fluctuate in price or value. Investors may get back less than invested. Investments or strategies mentioned on this website may not be suitable for you. This material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned on this website. Before acting on information on this website, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment adviser.

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The views and opinions expressed in blogs are purely those of the bloggers and not necessarily those of B.F. Anderson & Company, Inc. If we claim or appear to be experts on a certain topic or non- B.F. Anderson & Company, Inc. product or service area, we will only endorse such products or services that we believe, based on our expertise, are worthy of such endorsement. Any non- B.F. Anderson & Company, Inc. product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

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B.F. Anderson & Company, Inc. 2237 South Acadian Thruway, Suite 605 Baton Rouge, LA 70808

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