Perspectives & News

Is the Santa Rally only a coincidence because it happens to fall in the month of December – which has historically been the best month for the equity markets?

While the Federal government has created a number of tax-advantaged savings accounts designed to help lower- and middle-income workers save for retirement, these plans tend be less useful for employees earning larger salaries.

Minimizing income taxes is a powerful way to potentially add years to your portfolio, with no need to outguess the markets. If your portfolio is upside-down from a tax perspective, turning it around it could significantly strengthen your retirement.

The Federal Reserve, once the institution that rarely spoke, sure seems to find itself in the news a lot this year.

Young adults starting out in life, especially newlyweds, need insurance. But what kind? As a start, a good term life policy likely is a smart move. Other types of insurance may not be. And as they age, what other varieties of coverage make sense? A good deal of misunderstanding surrounds insurance protection planning.

Traditional banks are haunted by financial technology – fintech – firms. Challengers such as mobile-first banks Chime in the US, Monzo in the UK and Germany’s N26 have been around for a number of years now, but big global and regional banks are still struggling to deal with the competition. While fintechs experience a goldrush of investment – US$39.6 billion in 2018, up from 120% from 20171 – banking CEOs find themselves under increasing pressure from shareholders alarmed at the slow rate of change taking place.