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Investing Archives | Page 8 of 10 | Wealthspire | Page: 8

early 401(k) withdrawals

Early 401(k) Withdrawals: What You Need to Know

By Blog
401(k) plans are designated as tax-efficient retirement savings vehicles, with the idea that funds contributed will be used only to fund retirement. Following the rules of your 401(k) means you can enjoy pre-tax contributions and tax-deferred growth that maximize your assets later in life. That said, instances can come up where you may wonder how easily you could access those funds in a pinch. Individuals thinking about early withdrawals from their 401(k) accounts should know that this process can severely limit the growth of your portfolio and subjects you to penalties. Here we examine what those penalties are and under…
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cryptocurrency

The Cryptocurrency Question

By Guides & Whitepapers
A very common financial question that we have been asked before relates to Bitcoin1 (or any type of other cryptocurrency). Is it real? How is it valued? Should we invest in it? Can it keep going up in price? The answers to these questions are not easily answered, are complex, and are dynamic over time. To start, Crypto comes from the Greek Kruptos, which means “hidden.” Because of the complexity of the subject matter, we would prefer to hide from making an opinion on cryptocurrencies in general. However, they (and the technology surrounding them) are increasingly relevant in our world…
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investment letter

2017 Year-End Investment Letter

Market Commentary
2017 saw a remarkable juxtaposition between 1) headlines around the globe and here in the US presaging very significant political, social and geopolitical risks and 2) investment markets which were universally positive. The schematic in the Appendix provides a nice trip down memory lane for just the political headlines. Yet despite the above, 2017 marks the first year in memory that the S&P 500 (total return) was positive in every month of the year. In fact, its positive streak now extends to 14 months. And it was not just equities that performed well in 2017 as each of our three…
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donor advised funds investing

Common Investing Mistakes to Avoid

By Blog
When the markets experience such a positive year, as they did in 2017, investors rejoice in their smart asset allocation and strategy. But good market years make even the rookie investor look savvy. But investing is a long game – investment strategies that grow your income and wealth over a 40-year period require calm, sober patience. While investing mistakes are common, most are completely avoidable with the proper advice and guidance of a wealth manager or financial advisor. No matter how well your portfolio performed in 2017, consider these common investing mistakes. Mistake 1: Investing without a plan Without a…
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quarterly recap

2017 4th Quarter Review: “Fads, Manias, and Bubbles!”

Market Commentary
As we approached the holiday season (which seems to start even before Thanksgiving now), I did a quick survey around the office to confirm what I already expected, there were no must-have, stand-in-line, drive hours to buy toys in play this holiday season.  I breathed a sigh of relief knowing that there would be no standoffs for a GI-Joe with Kung-Fu grip or shouldering aside someone’s grandmother for the last Nintendo Wii. These consumer crazes happen every few years and are not, as some may expect, always a sign of booming times.  In fact, some appeared at the direst moments…
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Investing Tax Efficiently

By Blog
There are many investment strategies that offer ways to grow your income and wealth over a long period. Between stocks, bonds, real estate, and countless other investment choices, portfolios can be created that are tailored to specific preferences and goals. At the same time, these options are all united by one common thread: at one point or another, these investments will likely become a source of income, and therefore subject to Uncle Sam’s tax code. Benjamin Franklin famously pointed out that life’s only certainties were death and taxes, and while this still holds true, today’s tax code does offer some…
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investment goals

Reaching Your Long-Term Investment Goals: Get Started with a Roadmap

By Blog, Guides & Whitepapers
You are interested in a Long-Term Investment Strategy but not sure where to start. Good! This is for you. Throughout the journey of our professional careers, we will encounter many major decisions, some of which we are more prepared for than others. Depending on your background and interests, you may understand that you need a plan for long-term investment goals, but do not know where to start. If so, know that you’re not alone. To build confidence in your plan, it is important to understand that building wealth through a long-term investment strategy is a journey with many options, detours,…
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