Entries for 2013

The Importance of Staying Invested

 December 4 2013
Investors who attempt to time the market run the risk of missing periods of positive returns. The image below illustrates the value of a $100,000 investment in the stock market from Jan. 2007 to Oct. 2013, which included the global financial crisis and the recovery that followed. The value of the investment dropped to $54,381 by Feb. 2009 (the trough date). If an investor remained invested in the ...

History of Interest Rates

 December 1 2013
It is commonly known that interest rates have been at historically low levels for a few years now. But how low are they? The image illustrates the characteristics of interest rates of various maturities. On average, long-term government bonds delivered the highest yield of 5.2%, while intermediate-term government bonds and 30-day Treasury bills provided an average yield of 4.6% and 3.5%, respectiv...

A Budget Compromise is Reached, But Unresolved Issues Remain

 December 1 2013
The bipartisan committee established as a result of the agreement last October to raise the nation's debt ceiling has proposed a compromise plan that, if passed by Congress, would fund the government through September 31, 2015.   The attached article from Andy Friedman, publisher of the Washington Update, discusses the compromise plan and the issues that still remain unsolved.    ...

Individual Health and Medicare News - Fall 2013

 October 1 2013
Now more than ever, consumers need help navigating the options available through the new Health Care Marketplace and Medicare. Open Enrollment Periods for both Individual Health and Medicare started on October 1, 2013. HORAN's Individual Health and Medicare team has the expertise and experience to guide individuals through their options. We are dedicated to providing clients with quality service a...

The Federal Government Shuts Down: Now What Happens?

 October 1 2013
Today is a historic day. It has been almost 18 years since the Federal Government last shutdown for three weeks in the winter of 1995-1996.  The attached article from Andy Friedman, publisher of the Washington Update, she ds light on the shutdown, how we arrived at this point and thoughts on what will happen next.    Andy Friedman, according to CNBC is "one of the nation's most ...

Investor Letter from HORAN Capital Advisors - Fourth Quarter 2013

 October 1 2013
A recent report from Charles Schwab highlighted that the previous five year cumulative return of the S&P 500 Index at the end of 2012 was 9%. Just one year later, the previous five year cumulative return is a whopping 126%. Given the recent strong U.S. equity market returns, some investors are assessing whether the market has entered “bubble” territory. Historically, equity mark...

Individual Health & Medicare Newsletter - Summer 2013

 July 22 2013
Welcome to HORAN's summer edition of the Individual Health and Medicare Newsletter. Individual Health is starting to become the HOT topic this summer. As autumn nears, the government is putting its' final touches on the new Health Insurance Marketplace, previously known as the Exchange. Individuals will be able to purchase health insurance without being denied based on pre-existing conditions. I ...

2013 Social Security Trustees Report

 July 1 2013
Each year the Social Security actuaries project the system’s outlook for the ensuing 75 years (average time spent in the system). This year’s report, executed by the Boston College Center for Retirement Research, nearly mirrors last year’s report as there have been no major developments enacted. However, the exhaustion dates for the Social Security and the Disability Insurance tr...

Investor Letter from HORAN Capital Advisors - Third Quarter 2013

 July 1 2013
The third quarter of 2013 delivered another period of positive equity returns. The S&P 500 Index was up 5.2% for the quarter. In fact, most asset classes were positive excluding U.S. Real Estate Investment Trusts and long-term bonds. Eight of the ten economic sectors in the S&P 500 posted positive returns while top-performing sectors included materials, industrials and consumer disc...

Obama's 2014 Budget Proposal

 May 1 2013
Increase the Estate Tax: The proposal is a reversion back to 2009 parameters with only the first $3.5 million of one’s estate tax exempt and the remaining portion would face a top tax rate of 45% (by 2018).
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