• Portfolio Review – November 2018 – Risk Tolerance

    [This portfolio review about risk tolerance may contain affiliate links at no cost to you] Guys, it’s time to test your risk tolerance! The test is easy and it’s only one question! Did you seriously consider selling anything in the past month? The market did have one the worst months in quite some time and there was a tiny bit of panic in the air. It’s not outrageous that those who haven’t been tested with a big paper loss might get scared. How about you? Did you panic or were you calm as a cucumber? A month like October can certainly be a good test of your risk tolerance. If…

  • 401k contribution limits

    401k and IRA contributions limits for 2019 are going up!

    Our good pal, the IRS has issued guidance on contribution limits for 2019. The news is good for those already maxing out their tax-advantaged space or planning to do so next year. According to the IRS news release, 401k, 403b and most 457 plans are changing from an $18,500 max to $19,000 next year. That’s the second bump in a row after the IRS raised it $500 last year. The 2.7% bump in contribution limits is right in line with inflation. On the IRA front, the $5500 limit rises to $6000. It’s the first bump since 2013 which explains why the bump is larger at 9%. The IRS is just…

  • Portfolio Review – October 2018 – Rising Rates and Falling Stocks

    [This portfolio review about rising rates may contain affiliate links at no cost to you] Rising rates were the story this month as America’s strong economy kept barreling on. That meant bad things for high dividend payers like REITs, bonds and some riskier assets like small caps. It may seem counter intuitive that a strong economy would be bad for stocks. The problem comes from the prospect of rising inflation and the concern of a peak economic cycle. The flight to safety that may create combined with rising rates pushing equity valuations down led to mediocre results in the month. The reality is that rates have been low for quite…

  • stocks

    Portfolio Review – September 2018 – Domestic Stocks reign supreme

    [This portfolio review about domestic stocks may contain affiliate links at no cost to you] Domestic stocks continue to kill it this year leaving everything else in the dust. That was no different this month as domestic stocks outperformed foreign equities again. The information below from Personal Capital shows what I’m talking about. Since the last update, both the S&P 500 and Dow were in positive territory while foreign stocks lagged again. That’s no different from what I saw last update when I finally started lagging the market for the year. Having a 20% allocation to a struggling foreign stock base will do that to an investor. Still, the You…