Modern Portfolio Theory, Two Decades of Real Life Investing, and the 2020 Bear Market Summary: Modern Portfolio Theory (MPT) was emerging as the leading scientific investment approach in the 1980s. A small number of firms started implementing the academic strategies of MPT over the course of the 1990s, of which Navigoe was one. Navigoe’s approach…
Following is a letter that was sent to all Navigoe clients on the evening of Thursday, March 12, 2020. Good evening, I hope this email finds you and your family healthy and doing well. For all of us, staying healthy through this current coronavirus outbreak is very important. I want to provide you with an…
Just before the new year, the SECURE Act, a bill intended to improve the retirement outlook for millions of Americans was signed into law. We highlighted the main provisions of the new law in an earlier blog post. A new law that changes some of the rules governing how you save for retirement is bound…
It appears that the real risk to stock markets is an overreaction, to the overreaction, of currently understood effects of the coronavirus Covid-19. The best defense to such a reaction is a globally diversified portfolio with a proven strategy to weather market storms. Viruses are a common part of human life. We live with them…
Navigoe’s First Quarter 2020 Newsletter has been published! Following is a summary of one of the articles. At the bottom you can click to view the entire newsletter. Nobody wants to think about dying, much less planning for all the details that will follow. But this is important. Your heirs and the executor of your…
A year ago, as we entered 2019, we were coming off of the heels of the worst year for stocks since 2008, which was the depths of the Great Recession crash. The S&P 500 was negative in 2018 for the first time since 2008, and all major stock market indices were negative, with many of…
As you rang in the new year with a kiss and a glass of champagne, or perhaps (like me) already fast asleep, a new set of laws designed to improve the retirement outlook for millions of Americans took effect. The law entitled, Setting Every Community Up for Retirement Enhancement Act (through a bit of verbal…
Help your children and/or grandchildren to build good financial habits by setting up and contributing to a Roth IRA this year, and every year. Key Takeaways 1 in 3 Americans have less than $5,000 saved for retirement. (CNBC Aug. 2018) Just like eating healthy and regular exercise, the sooner one gets into the habit of…
If you are over 70, making charitable gifts directly from you IRA may be your best tax move going forward. The Tax Cuts and Jobs Act, passed in December 2017, made three major changes that may significantly affect charitable giving, especially for those over 70. First, it increased the standard deduction to $24,000 for married…
Social Security has long been considered one leg of the “three-legged stool” of retirement planning. The other two being employer pensions and personal savings. However, employer pensions are quickly vanishing, and personal savings rates generally remain far too low to make up the difference. Of course, this amplifies the importance of Social Security as part…
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