Author - Sam Fawaz, CPA, CFP®

1
You Only Brexit Once (YOBO)
2
Work Longer, Live Longer
3
Last Call for Social Security Benefits File-And-Suspend – April 29 2016
4
Could You Stomach the Perfect Investment?
5
Recovery—For How Long?

You Only Brexit Once (YOBO)

Not even a month ago, I wrote to you and shared my thoughts on Britain leaving the European Union (EU).  I guess I was wrong.

Thursday’s 52%-48% vote by the British electorate to end its 43-year membership in the European Union seems to have taken just about everybody by surprise, but the aftermath could not have been more predictable.  The uncertainty of how, exactly, Europe and Britain will manage a complex divorce over the coming decade, sent global markets reeling.   London’s blue chip index, the Financial Times Stock Exchange 100, lost 4.4% of its value in one day, while Germany’s …

Read More

Work Longer, Live Longer

There’s finally an answer to an age-old question: How can you live a longer, more satisfying life?

The answer: work past the traditional retirement age of 65.

A new study published in the Journal of Epidemiology & Community Health looked at the risk of dying for different age groups of Americans, and compared it to their retirement age.  The researchers found that the likelihood of dying in any given year was 11% lower among people who delayed retirement for just one single year—from age 65 to age 66.  By age 70, people who continued working experienced a 38% lower risk …

Read More

Last Call for Social Security Benefits File-And-Suspend – April 29 2016

Last fall, the Bipartisan Budget Act of 2015 changed the rules to eliminate two popular Social Security claiming strategies for married couples: File-and-Suspend, and Restricted Application.

Who should be considering this?

Anyone who has at least met the full retirement age of 66, and is not yet age 70, should be considering whether to submit a file-and-suspend request by April 29.  If you or someone you know is within this age range, please share this article and be aware that you/they have a very short window to meet the deadline. Anyone who wants to be “grandfathered” under the old (current, …

Read More

Could You Stomach the Perfect Investment?

Suppose a mutual fund knew for sure which 10% of the largest U.S. companies would earn the highest returns over the next five years, over each upcoming five-year period. You’d invest in that fund and hang tight, right?

A research company called Alpha Architect, recently posed this as an interesting thought experiment. It divided all of the 500 largest U.S. stocks into deciles, and imagined that a hypothetical fund was investing in only the upper 10% returning stocks in the first five-year period, starting on January 1, 1927, and every five years it would switch the portfolio to the future …

Read More

Recovery—For How Long?

On Tuesday of this week, the U.S. stock markets (S&P 500 index) went up 2.39%, the highest one-day return in a month. Analysts attributed the rise to a variety of economic news that suggested that the American economy is not, after all, plunging into recession. The buoyant mood among investors may not last, but for many, it’s a welcome sign that things may not be as gloomy as they seemed just a month ago.

In fact, the S&P 500 only dropped about 12%, from 2078.36 at the end of December 2015 to the bottom of 1829.08 on February 11—despite widespread …

Read More

Copyright 2014 FiGuide.com   About Us   Contact Us   Our Advisors       Login