September 2022 Market Commentary

For 2022, it may feel like the theme has been “nowhere to hide.” As this is written, the year-to-date performance of stocks is -22.17% and typically stable bonds are -13.54% through 9/22/2022. So, what is going on? While no one knows for sure what drives the stock and bond market in the very short-term, I think it is safe to say there are a few issues that are weighing on investors’ minds:

The Myth About Holding Individual Bonds

“My bond pays me 6%.  It’s crazy that people own bonds yielding only 2%.” “My broker built a bond ladder of individual bonds.  As long as I hold until maturity, it can’t lose value.” You may have heard statements like this before.  If true, it certainly appears that holding individual bonds is superior to holding bonds via a mutual fund or ETF. But is it?

BREAKING: President Biden’s Student Loan Relief Plan

As you have probably heard, President Biden last week announced his long-awaited student loan relief plan, with the headline being $10,000 in student debt cancellation for certain borrowers.

September 2022 Market Commentary

For 2022, it may feel like the theme has been “nowhere to hide.” As this is written, the year-to-date performance of stocks is -22.17% and typically stable bonds are -13.54% through 9/22/2022. So, what is going on? While no one knows for sure what drives the stock and bond market in the very short-term, I think it is safe to say there are a few issues that are weighing on investors’ minds:

Webinar: 2022 Q3 ESG DFA & GSA

Greenwashing... Is ESG investing real or is it marketing? How to navigate the promises of ESG funds.

Q3 2022 Newsletter: Optimizing Savings Strategies

Key strategies to help employers maximize savings, minimize taxes and apply innovative approaches for financial wellness.