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Cindy McCarthy

Does buying bonds make sense when record-low interest rates start going up?

Bonds / By

To build a bond ladder portfolio, rather than purchase one large-sum bond with a single maturity date, buy multiple smaller-sum bonds, making certain each one has a different maturity date. Then space out those maturity dates, for example, over several years. As a result, you will minimize the risk posed by rising interest rates while …

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How does the sequence of returns impact the sustainability of my retirement portfolio over time?

Retirement Planning / By

The entire time you work and save for your retirement, say, 30 years, there will be multiple bull markets, multiple recessions and perhaps a dramatic bubble or two. If your retirement lasts a couple of decades, there will be both bull and bear markets, which will create ups and downs in your investment portfolio. While …

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To Time or Not to Time… The Market – That is The Question

Investment Strategy / By

The old saying, “Timing is everything,” certainly has applicability to market investing. For equities, “perfect timing” means going to cash right before a market downturn, holding the cash until the downturn hits bottom, then buying up all those cheap stocks right before the market heads back up. As the stocks regain their value, they might eventually …

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Is ‘American exceptionalism’ still good for my business and investments?

Investment Strategy / By

“American exceptionalism” is the idea that the U.S. is qualitatively different than other nations. Scottish historian Richard Rose put it this way: “America marches to a different drummer. Its uniqueness is explained by any or all of a variety of reasons: history, size, geography, political institutions, and culture.” [1] The person most often credited with the concept …

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