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Andy's Two Cents

Notes and thoughts from our director.

April 16, 2020 by bfanderson

Technical Update 04/16/2020

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Technical Update 04/09/2020

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Technical Update 04/01/2020

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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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