What is ESG investing?
The corporate bond market has gotten riskier. Why? What should we do in our portfolio?
The chart nearby is what we call a “periodic table” of asset-type returns. Not only does the chart depict the return each calendar year of major stock and bond asset classes for the last 14 years or so, it also tracks a hypothetical diversified portfolio that is approximately 60% equities and 40% fixed income comprised of these asset classes (white boxes), a very common asset allocation. The two columns on the right side depict the rolling long-term averages of these investment elements in terms of both return, and volatility (standard deviation). While a 60/40 mix is not a universally appropriate asset allocation for everyone, the chart gives a pretty good indication of what a diversified portfolio return has produced historically.
Keep in mind that the asset classes and allocations are comprised of pure indexes (which investors can not invest directly in). They are gross returns with no reflection of the costs always associated with investing.
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As volatility becomes the norm and double-digit gains become an anomaly, it’s time to boost your contacts with your clients to keep them content. In the article pulished on welathmanagement.com, Setting Client Expectations in a Volatile Investment Environment, CCR’s Chief Investment Officer, John Maher discusses the importance of communicating with clients.
In today’s heightened politico world, advisors have to keep clients focused on their real financial goals. In Keeping Politics Out of the Portfolio, published on ThinkAdvisor.com, Jonathan Albano talks about the importance of taking a clients politically fueled emotions out of their investing strategy.
It’s certainly been an interesting couple of months for bitcoin. It advanced more than 70% during the third quarter and nosedived 25% over four days in mid-November only to rebound astronomically in the days since. Still, even as $20,000 seems like a real possibility before the year is out, these types of wild gyrations are hardly ideal for a currency struggling to gain widespread acceptance.
Bitcoin has been luring some investors with potentially huge rewards—and scaring others away with equally big risks. Should it be on your investment shopping list on Black Friday?
The cryptocurrency can certainly be volatile. Earlier this month, for example, it plummeted 25% over five days after concerns grew that a new currency called Bitcoin Cash, which promises to speed up transactions, would make Bitcoin itself a less attractive payment option.
Caveat Emptor may never have been a more fitting caution than for those looking to enter the cryptocurrency craze. This piece is written in response to numerous inquiries CCR Wealth Management advisors have fielded from clients interested in these digital currency opportunities, or simply out of curiosity.
How to have a clear-eyed, sober conversation with investors who feel the bull market is long in the tooth.