Twelve points Blog

December 2020 Market Outlook

Hello friends, welcome to the December 2020 market outlook. We hope this letter finds you well and your families enjoyed a wonderful Thanksgiving. Obviously, this year was different from a variety of ways. But with the holiday season upon us, we’re approaching the end of a dreadful year. Here’s to 2021 being a major improvement. Let’s dive in.

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Market Outlook

First and foremost, I hope this note finds you, your families and loved ones healthy and well. These are trying times but we will get through this together. Social distancing is imperative right now, especially since it seems to be working.

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Organize Your Financial Life This Summer

This month we look into how to organize your finance records and cash flows, as well recovering important documents and unclaimed accounts. We dive into essential records: What are they, how long should they be kept, and where?

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Trade Wars and Tariffs | Here’s What to Know

President Trump recently announced that the U.S. would be levying a 25% tariff on steel, mainly targeted at China. Many understood it to be the first step in rolling out a more protectionist trade agenda, which caused a great deal of uncertainty in financial markets.

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Central Banks Start to Diverge

You can’t talk about Europe without including the European Central Bank in the discussion. The ECB, which conducts monetary policy for all of Europe, is continuing with their aggressive Quantitative Easing in the form of a large bond buying program.

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What to Do in Times of Market Volatility

On Friday, February 2nd The Dow closed down 666 points, or 2.5%. The sudden move came unexpectedly as inflation data came in slightly higher than expected. The following week the Dow continued its decline, at one point down 10% from the highs.

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How Rising Interest Rates Affect You

When you hear about the Federal Reserve it may be hard to imagine that their actions have a direct affect on you. The truth of the matter is that their policies, including those related to interest rates, are felt all the way down to the consumer level, for better or for worse.

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3 Tax Tips to Save Your Spring

Filing taxes can be an intimidating process and in the stress of it all, sometimes we can forget to do the obvious or skip over the basics, making it even harder on ourselves. If you file your own taxes the following three simple tips can save you time, headaches and even money in the long run.

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A Financial Year in Review: 2017

In order to best summarize the 2017 financial year, we will walk through each quarter through the perspective of equity and then fixed income investors. Throughout each we will highlight key points and developing trends

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Finding the Forgotten

According to CNN, Federal agencies and other organizations collectively hold “more than $58 billion in unclaimed cash and benefits”. You may have rights to unclaimed property and benefits you didn’t know existed.

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Brexit and Your Portfolio

June 23, 2016 is a day that everyone who is involved in financial markets will remember for life. In fact, a British politician has playfully (I think) suggested that England declare it a national holiday, their own Independence Day. As you probably have heard on the news

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Alternatives “Did Their Job” in August

No other slogan defines Bill Belichick’s coaching philosophy better than “Do Your Job.”   Every player on the team, from stars to bench players, has a defined and complementary role.   When everyone executes their roles at the highest level, and Does Their Job, the team achieves ultimate success.

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