Twelve points Blog
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It Pays to Stay Risk Averse Despite Strong Market Returns
As the stock market roars on, skeptics might take money off the table and invest in more value oriented assets. More often however, fear of missing out on future gains along with recently strong returns keeps people invested in the market and seeking out speculative opportunities.
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Paying Down Debt vs. Investing
People are often faced with the difficult choice of how they should use their money, whether it be choosing between investing, paying down debt early, or deciding which debt to pay down first.
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Strategies to Minimize Your Tax Contribution
Learn strategies to minimize your contribution to the government as we explore the topics of paycheck savings, FSAs vs. HSAs, job changes, charitable donations, child-care reimbursement, avoiding the marriage tax in a given year, and renting vacation homes vs. owning them.
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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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Wall Street’s False Truism: Is Buy and Hold Always Better?
I’d like to talk to you about Wall Street false truisms regarding buy and hold investing. “Buy and hold has always been better” is a very institutional mindset. It works really well for endowments
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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.