Hello and Welcome to our October 2021 Financial Planning and Capital Market Update!
If you are too busy to read, feel free to listen as we describe our post and thoughts in friendly podcast audio format as well as Video!
Newbies –
We like to articulate our thoughts and review on a Monthly basis our Financial Planning Tips, Capital Markets and current events!
Hope you enjoy!
BREAK IN – HONORED BY D MAGAZINE NOMINATION
Important Disclosure
October 2021 Video
YouTube
Financial Planning Tip(s)
Cell Text Spam and Calls
With the handy, cell phone which is almost like carrying around a powerful computer, replacing our land lines, in this post we remind all to be very careful in which calls you answer and most importantly clicking on a hot link of a text you may have received on you cell… DO NOT BITE!
Here is an example of a very dangerous spam text – do not click on that hotlink as you will be directed to a bad place that may cause your cell harm…
Grant Williams Podcast with Sam Zell
A new found favorite way of continued learning and education, frequently while jogging or walking, in this post, a review of a fantastic hour long podcast with Sam Zell via the Grant Williams Podcast series…
Favorite Notes:
Staying Power is the name of the game… No surprises!
Real money by long term holdings, be patient.
Will you slow down? People ask me that all the time…”Slow down from what…I like what I do,”
Capital Market Comments
Bonds, Interest Rate Headwind Reminders
In 2018 as interest rates smartly began rising, we reminded folks, those especially with more conservative allocations (larger allocations to bonds) that the immediate effect of higher interest rates are a slight headwind to bond portfolios. For the record, they are big headwinds to very long dated bond portfolios i.e. 30 years, which is why we stay away from such portfolios…
Fast forward to the beginning of the year and very recently, we felt the need to remind again here. The fantastic news is that with shorter dated portfolios as mentioned above, this headwind turns into money in our pockets in the form of higher income as rates again smartly rise on the expectation of greater economic growth prospects.
Have a Great Day, Talk to You at the End of November!
John A. Kvale CFA, CFP
Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.
February 2022 Financial Planning and Capital Market Review – By John Kvale CFA, CFP
Hello and Welcome to our February 2022 … Financial Planning and Capital Market Update!
If you are too busy to read, feel free to listen as we describe our post and thoughts in friendly podcast audio format as well as Video!
Newbies –
We like to articulate our thoughts and review on a Monthly basis our Financial Planning Tips, Capital Markets thoughts and current events!
Hope you enjoy!
February 2022 Video
YouTube
Financial Planning Tip(s)
Third In Back to Basics Series – “Debt Planning”
The third post of a neat (well we think so) new idea, series we discuss “Protection Planning” !
This series is a review of the basics, and will serve as somewhat of a semester study of the Financial Planning foundations all the way to more advanced topics later in the series…. We plan on a mid month release of each part and somewhere south of double digit parts…. possibly with a video added to each for additional insights…. thanks in advance for sharing with those who may find this series helpful….
In this Debt Planning section we cover from a high level …
The Good, the Bad and the Ugly Forms of Debt
Yes there are some debts that or ok, but there are also some that are very much sinners….
Review that Social Security Statement
In this annual reminder post, receiving a weekend email alert directly form the Social Security Administration our review was set in motion and a new post was born….
Happily as mentioned in the post, the SSA had updated the site and there are really neat new features such as a graph for delayed benefits and a neat spousal calculator.. Well done guys!
Please be sure to take 5 minutes and review that your hard earned earnings are being credited to your Social Security Benefit/Number!
Capital Market Comments
Interest Rates Jump Ahead of Fed – Short Term Pressure on Bonds Long Term Gain
While this post concerning how the bond markets, more specifically the two year and ten year treasuries front run the FOMC (Federal Open Market Committee) we also want to remind that such movement, especially seen in the two year treasury puts pressure (lowers) on the value of the bond but also ups the income from the bond……
So initial headwind, and eventual tail wind…yay
Re-Review “The Anatomy of a Slowdown/Recession” the Snap Back
With market jitters creating headlines and lower values, in this post we reviewed our luckily timed lead article in our Q 1 2022 Newsletter article, called the “Anatomy of a Slowdown”
The main purpose of the article and the re-run is to remind everyone INCLUDING OURSELVES, slowdowns (markets dropping in value) do occur, and while we don’t want them to, they do anyway!
In this post, we review three very large what we coined snap backs…. large rallies of 5%-to over 10% which are for some reason very confusing during slow down times and also tend to totally ignore headlines…
No idea for sure WHY they happen, just know they do … thought worth reminding as some great questions came in on the subject.
Have a Great Day, Talk to You at the End of March! Going fast this year!!!
John A. Kvale CFA, CFP
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Posted in Audio, Back to Basics, Clients/Clients Only, Education, General Financial Planning, Investing/Financial Planning, Market Comments, Monthly Review, Podcast, Retirement Planning, Video
Tagged 10 Year Treasury, 2 Year Treasury, Back to Basics, Bonds, FOMC, Interest Rates, Recession, Retirement Planning, Slowdown