Tag Archives: QQQ

December 2020 Financial Planning and Capital Market Review – Goodbye Year – Hello 2021 By John Kvale

Hello and Welcome to our December 2020 (yes the final review of 2020!) 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!

December 2020 Video – Final of Year


Financial Planning Tips

Retirement Levels and Contribution Amounts

In our post here, we review the coming 2021 Retirement levels of contributions and max amounts….

With the most popular highlighted and also matching the catch-up amounts, there are a few changes, but for the most part much of the same from last year 2020 !

Money Begins Moving at a Snails Pace

Oddly, something we had not experienced before…. early in the Month of December, as mentioned here in our Warning Post — money slowed to a trickle pace…

While not sure if this was a result of remote workers, last minute movements, procrastination or a combination of all, money slowed alarmingly…. So much so that we have marked our calendars for an earlier start to year end “Stuff” for 2021 !

Thankfully we are happy to announce, we made it through with not too terrible of delays… but got me once, shame on you …. you know the rest !

Capital Market Comments

Why Price is So Important

In a carefully chosen extreme example, meant to remind but not alarm, in this rewind/remember 1999 post of what can happen if price is not remembered, we show the length a badly timed “all in” purchase – again carefully chosen can take almost two decades to get back to even…

“Price is what you pay, value is what you get!”

Final Thoughts As Year Ends

As the year wound down, we shared a collection of points that we hope made you chuckle but also had some serious items as well…. here in this post. If you missed it … worth your time!

There you have it, so long 2020 – That is your December, final for the year review.

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.



Why Price is So Important – An Extreme Almost 17 Years to Break Even, Example!

We actually had planned on putting this in the Q1 2021 Newsletter, but you guys gave us so many great topics, this hit the cutting room floor.

This is an important enough reminder that we wanted to go ahead and send it to you!

By no means are we predicting this will occur again, and we picked a graphic example for sizzle. But living through this first hand, we know it can happen.

“Price is What you Pay, Value is What You Get!”

Warren Buffet

The following is a chart of an index that was full of dot coms … an index that ran to overzealous levels in late 1999 and early 2000.

Had an investor had the misfortune of buying at the very top, it would have taken them about 17 years to break even.

Again we’re not saying this will happen as post the 1999 .com mania many of the companies that were brought public went bankrupt in short order.

Once again, this is an extreme example of what can happen when prices move away from the true value, but worth remembering – we sure will!

Again not meant to frighten just too enlighten!

Have a Great “Reminder that Price Matters” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.