Since 1926, the US stock market has rewarded investors with an annualized return of about 10%. But returns in any given year may be sky-high, extremely poor, or somewhere in between.
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Teaching your children about financial responsibility is one of the most important gifts they can receive. While it can not only set them up to become financially independent, it also teaches them important life values such as self-discipline, strong work ethic, and delayed gratification
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Founders and early employees of companies are often granted equity that can meet the rules for Qualified Small Business Stock (QSBS). QSBS treatment can provide significant tax benefits by excluding or reducing capital gains taxes when the stock is sold.
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While we all want to maximize returns, this can only be done by through high risk investments. This may be an appropriate strategy for some, but most of us cannot afford to put our assets at risk in order to maximize returns at all costs. Furthermore, Investing solely for maximum returns can lead to overlooking important factors such as diversification, financial goals, fees, taxes, and even your mental and psychical health.
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Company stock options sometimes provide a large payoff, however they can also be costly to exercise and end up costing you large sums of money with little return. Below are a few best practices for maximizing the value and limiting the risks of exercising and selling your company stock options.
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Diversifying out of concentrated stock positions is the best move for 95% of employees. We’ve seen many hopes and dreams destroyed by over concentration in a portfolio. Below are some strategies for dealing with company stock.
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The market is constantly processing new information, pricing in expectations for companies and the economy. Investors who look beyond after-the-fact headlines and stick to a plan may be better positioned for longterm success.
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Great advisors want to do great work for their clients. They stake their business on doing
the right thing—and know that business success will follow.
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Negotiating your salary can be intimidating but DO NOT let that stop you, and never underestimate the importance of asking for what you deserve.
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Nearly a century of US stock market returns suggests that making investment decisions based on control of the chambers of Congress is unlikely to lead to better investment outcomes.
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Relatively small increases in salary can compound over the years and lead to hundreds of thousands, if not millions, of dollars in total future income.
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Soaring inflation rates combined with historically low interest rates make 2022 one of the worst periods in history to pay off a mortgage early, however there are times when it makes sense to pay more than the minimum.
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The recent increase in inflation and the subsequent hikes in interest rates by the Federal Reserve (AKA the Fed) have wreaked havoc on markets, and this is proving to be no fun for investors.
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The impact of being out of the market for just a short period of time can be profound
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Here are three lessons to keep in mind during periods of volatility that can help you stick to your well-built plan. And if you don’t have a plan, there’s a suggestion for that too.
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Sudden market downturns can be unsettling. But historically, US equity returns following sharp declines have, on average, been positive.
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A look at equity performance in the past three decades does not show any reliable connection between periods of high (or low) inflation and US stock returns.
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We understand that there are concerns around bitcoin’s environmental impact. We share these concerns as environmental, social, and governance issues are very important to us, but we are of the opinion that bitcoin solves far more ESG problems than it creates. We've listed a few of the ESG concerns it addresses below:
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Understanding the range of potential outcomes can help you stick with a plan and ride out the inevitable ups and downs
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Stocks have rewarded disciplined investors for decades, through Democratic and Republican presidencies. It’s an important lesson on the benefits of a long-term investment approach.
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