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Grasping Market Volatility - Winter 2016

Market pundits, already dizzy by January’s stock market sell-off, reference the word volatility often. It has been a challenging start to 2016, one of the worst Januarys on record and many asset classes are experiencing significant volatility. 

Continued Volatility and Mutual Fund Substitutions

So far 2016 has not been kind to investors. Since December 16, 2015, when the Federal Reserve increased interest rates for the first time in years, domestic stock indexes have declined over 10%. We prefer to focus on the Fed change in rate policy as the “line in the sand” for this discussion as it certainly marks a turning point for the Federal Reserve, and perhaps investor psychology ...

How to be a Successful Fiduciary - Winter 2016

Congratulations on your promotion to Chief Financial Officer / Chief Operating Officer / Human Resources Director (choose one). Before settling into your new role, you review your job description asking, “What exactly is expected of me?”

Ups and Downs – Market volatility has not gone away

 January 14 2016 By now you’ve heard the news. The market’s first week of the year was horrible. China (fueled by devaluation in its currency) was down over 14%. The US Market (S&P 500) fell nearly 6%.  Unfortunately, these short periods of market volatility have been occurring more frequently in the past few years: The week of August 25, 2015:  -12.4%,  The we...

The Big Risk to Your Retirement - Winter 2016

Would you believe it’s possible for a retiree, who’s withdrawing modestly from his or her IRA each year, to run out of money over a period of 25 years where the market averaged 10.2% returns, but end up a millionaire when the market only averaged a 9.2% return?

Important Week Ahead of Us

Three events will test assumptions about economic growth in both the U.S. and Europe this week.

The Difference Between Traditional & ROTH 401(k) - Fall 2015

Assume two participants retire from the same company at the age of 65 with identical 401(k) account values of $100,000. Both requested lump-sum distributions from their 401(k) accounts and neither elected a rollover of the funds. One receives a check for $80,000 and the other receives a check for $100,000. Why would there be a difference in check amounts?

HORAN Capital Advisors' Approach to Institutional Asset Management - Fall 2015

When evaluating the investment management industry, many separate the approach between institutional investors and individual investors. Differences may include time horizon, tax status, cash-flow needs, regulatory oversight and the ability to add principal. Institutional investment portfolios typically have (but not always) a long-term time horizon often spanning multiple generations. For in...

Using a Health Savings Account as a Savings Vehicle - Fall 2015

The health care industry changes so rapidly that it’s hard to predict what the cost of health care will be 10, 20 or 30 years from now. Being prepared for the costs is challenging, but a Health Savings Account (HSA) can help.

Using a Health Savings Account as a Savings Vehicle - Fall 2015

The health care industry changes so rapidly that it’s hard to predict what the cost of health care will be 10, 20 or 30 years from now. Being prepared for the costs is challenging, but a Health Savings Account (HSA) can help.
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