Featured

Retirement Savings Options

Retirement Savings Options

In prior months, this letter has provided guidance on how much and why you should be saving for retirement.  As a refresher, previous letters are available here.  This month, we’re talking about the different retirement saving options available to employees and the contribution limits for each option

read more
Featured

A Ray of Light for Stocks?

A Ray of Light for Stocks?

Investor Sentiment now supportive of a market bottom

read more

Fund Focus: LSBDX

Fund Focus: LSBDX

The Loomis Sayles Bond fund is a credit intensive fund that is invested in domestic and international high yielding corporate debt. What sets Loomis Sayles apart from the other high yield bond funds is their contrarian view towards the high-yield bond market. The manager of Loomis Sayles, Dan Fuss, has recently expressed his confidence in the high-yield debt market and his overall investment strategy, exclaiming that, “the focus is on security selection.” Loomis Sayles continues to be bullish on high-yield debt and remains focused on the long term cycle of the high-yield bond market.

...
read more

Even Steven

Even Steven

Are you really worse off after the recent drop in stocks? 

From the perspective of your overall financial health, a big jump in stock prices ain’t all it’s cracked up to be. Nor is a drop in stocks as damaging as you might fear. This is the “Even Steven” concept – you lose something in one part of your plan, but you gain it back in another.

 

read more

Participant Letter February 2016

Participant Letter February 2016

 You Find out Who's Been Swimming Naked When the Tide Goes Out

read more

A new year, a new way to think about your retirement savings - as lifetime income..

A new year, a new way to think about your retirement savings - as lifetime income..

Have you checked the Ascensus website for an estimate of your lifetime income?  This is a great way to look at your retirement nest egg.  

read more

Why is it so important to Save for Retirement?(Part 2)

Why is it so important to Save for Retirement?(Part 2)

 According to the Social Security Administration, nearly 90% of people 65 and older receive monthly Social Security benefits with the average monthly benefit equal to $1,335. 

read more

The Do's and Don'ts of a Market Correction

The Do's and Don'ts of a Market Correction

JP Morgan: "The market is going to fluctuate"

read more

Fund Focus: Vanguard REIT Index Fund

Fund Focus: Vanguard REIT Index Fund

The vanguard REIT Index fund is one of the least expensive ways to gain exposure to the real estate equity market. Even though this fund has seen more volatility in the last twelve months when compared to the average REIT fund, the risk-adjusted return has also been higher. The index fund's performance has replicated this by being one of the leading performers in it's category for the 3, 5, and 10 year periods. 

read more

These Charts Can Help You See What The Fed is Doing

These Charts Can Help You See What The Fed is Doing

Since the Federal Reserve recently raised short term interest rates by .25%, there has been a lot of discussion on the impact that will have on the Domestic and International markets. Open this article and examine 7 charts that explains the decision making process of the Federal Reserve that brought the first rate hike since 2006.

read more

Why is it so important to Save for Retirement?

Why is it so important to Save for Retirement?

Why is it so important to save for retirement (Part 1)?  Life Expectancy is a big reason.  In addition to Social Security benefits (more to come on this next month), your investment portfolio is likely to be your most significant source of financial support in retirement.  Naturally, the longer you live, the more financial support you will need and people do continue to live longer.  The following chart uses information from the Social Security Administration to compare the probability of living to a specific age for someone born in 1950 versus 1990.  

read more

Better than Duct Tape

Better than Duct Tape

Does Your Retirement Plan have a Leak?

 Fix It by Using the Power Tools Available Online

read more

Investment Update December 2015

Investment Update  December 2015

November ended with slight declines for the month in target risk portfolios, but with healthy gains for the latest three month period, marking a recovery from the late summer and early fall correction.

read more

Why International Stocks

Why International Stocks

Take full advantage of the diversification and return potential of foreign stocks. 

read more

PowerShares QQQ ETF

PowerShares QQQ ETF

PowerShares (QQQ) is one of the largest and most actively traded ETF’s in the United States. The main objective of the fund is to track the 100 largest, nonfinancial stocks in the cap-weighted Nasdaq-100 index. This being said, QQQ has a strong presence in the technology (55.02%) , consumer discretionary (19.5%) and biotech (15%) sectors, offering a level of diversification that is desired and essential in many portfolios. Take a look in closer detail to the fundamentals of the ETF by clicking here!    

Online Enrollment in an instant

Online Enrollment in an instant

Have you enrolled in your 401(k) plan? 

...
read more

How much should I be saving?

How much should I be saving?

Beginning with the first paycheck you received, you’ve likely been hearing a consistent message from family, friends and employers encouraging you to save for retirement.  While this is certainly invaluable guidance, it’s not clear to most how much should be saved to reach a goal of financial independence.  Are you on track for a successful retirement? 

read more

Investment Update November 2015

Investment Update November 2015

Shaken Not Stirred

James Bond usually gets roughed up pretty good as he goes about his missions, but invariably comes out golden in the end. And like 007’s infamous martini, global stocks markets were shaken in August and September, only to recover vigorously in October as the S&P had its best month since 2011 with an 8.4% return. 

read more

DFA Commodity Strategy Fund

DFA Commodity Strategy Fund

The DFA Commodity Strategy Institutional fund’s objective is to gain exposure to the broad commodity market, by investing in both domestic and international intermediate term, fixed income securities.

read more

Embracing the Winners .... and the Losers

Embracing the Winners  .... and the Losers

Commodities and Emerging Markets have performed poorly in the last few years. Should you sell low?

While it would be fun to hold a Portfolio in which all of the asset classes were going up at the same time, it would be a nightmare if they were all moving down at once.

To protect against epic losses, investors seek uncorrelated returns — asset classes that behave dissimilarly so that a portfolio’s ingredients don’t all move in the same direction at the same time.

But diversified portfolios should be built with the knowledge that including uncorrelated assets means always having to endure pain in part of the portfolio. That part will be going down or remaining flat, since it tends to move differently from the uncorrelated part that is going up.

read more

About Us

CLIENT PORTAL

401K PLANS

Thinking Aloud Blog

I've always found this chart book to be very helpful.  ...

Contact Us

30 Monument Square
Suite 101
Concord, MA 01742
978-287-5151
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Parking Instructions

Social Media: