2015 Review: Economy & Markets

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US_Stock_Market_Performance 2015_Russell_3000

 

 

 

 

 

 

 

 

The US economy and broad market showed modest gains during the year, although investor discipline was tested by news of a global economic slowdown, rising market volatility in China and emerging markets, falling oil and commodities prices, and higher US interest rates.

The S&P 500 Index logged a 1.38% total return. The returns across US indices were mixed, but overall the broad US market, as measured by the Russell 3000, gained ...

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Is Yellen Moving on Up

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fed reserve pic

The U.S. Federal Reserve (the Fed) has held the federal funds rate at nearly zero percent, seeking to bolster an ailing economy in the aftermath of the Great Recession since December 2008. Economists agree that the position is unusual, and highly unlikely to go on forever – drastic times called for drastic measures. Then again, they’ve been agreeing on that for seven years. Each year, the Fed has had ...

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How we Choose the Funds for You

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fund selection

A question we are often asked: How do we choose the funds we use?

In order to understand how we go about choosing the funds we use it is important to start with the awareness that investments are personal. Starting with a plan is the key to develop the right investment strategy to fit your unique situation. The investments must be structured in a manner that is consistent with your goals, ...

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Reflections on Paris

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solidarity-with-paris

 

We wish we could be boring you with our standard warnings about the usual outpouring of global news that never ends, and how important it is to stay the course, at least with respect to your investment activities. However, the last few days have been anything but typical.

It’s been four days since the lights of Paris went dim. Unfortunately, whether days, weeks or ...

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Family Fire Side Discussions

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 Cheerful Mufti Generation Family enjoying at home.

 

Whether it’s Thanksgiving, gathering for a family reunion, a birthday celebration, or simply being there for one another during difficult times, family traditions are the backbone that strengthens our most important relationships. Tobin Investment Planning LLC would like to invite you to begin a new and important family tradition: a family discussion about wealth planning.

Family Discussion about ...

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5 Smart Year-End Tax Strategies

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year end tax strategies

If you manage tax planning through a holistic wealth management approach and look at a multi-year financial projection; it tends to uncover trends and opportunities to reduce your tax exposure. While the general rule in tax planning is to defer income and accelerate deductions, holistic planning will help you uncover additional opportunities for tax savings and enhance your overall financial plan.

TIP: Make sure your ...

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Financial TIPs on Shredding

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document shredding

On a monthly basis we are often inundated with mail regarding our personal finances. Whether its credit card statements, bank statements, investment holdings or tax records before we know it our file cabinet is filled with paperwork. A question I am often asked is: How long should we retain all these statements? When it comes to personal document retention guidelines, there are some general rules that you may want to ...

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Financial Tips on Tax-Efficient Investing – Part II: Teamwork

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taxes

In our last Financial TIPs on Tax-Efficient Investing, “Investment Manager Selection,” we explored how to engage in year-round tax-efficient investing by adopting your own best practices as well as by favoring fund managers who are likewise keeping a tax-efficient eye on their offerings. There are two other important areas to tend to as part of your due diligence: your investment portfolio’s tax-efficient management and your advisers’ tax-efficient teamwork.

Proper Portfolio Management: The ...

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Financial Tips on Tax-Efficient Investing- Part 1: Investment Manager Selection

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tax cost

One of my favorite quotes was written by Supreme Court Justice Learned Hand: “Anyone may arrange his affairs so that his taxes shall be as low as possible; he is not bound to choose that pattern which best pays the treasury… for nobody owes any public duty to pay more than the law demands”. With the October 15th “tax return filing deadline” upon us it is an optimal time to ...

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Evidence-Based Investing vs. Indexing

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evidenced based

As the public grows increasingly familiar with “passive” or “index” investing, it’s becoming easier for individual investors to gain cost-effective exposure to globally diversified market returns. That’s good news! Even better news is that there is a similar approach we employ for our clients that incorporates the many strengths of passive/index investing while eliminating some of its inherent weaknesses. Beyond passive, we ...

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