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# Future Wealth LLC | Financial Advisor | Wealth Management | Los Gatos CA

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## Posts

- [An economic car crash](https://futurewealthllc.com/an-economic-car-crash/) - Stocks rallied Friday on rising optimism that lawmakers will reach a deal to raise the U.S. debt ceiling, led by the tech-heavy Nasdaq, which closed at its highest level since August. The entire week came down to results from two semiconductor companies - NVidia and Marvell Technologies. These two companies defied the talk of economic slowdown
- [Could the end of the bear market finally be near?](https://futurewealthllc.com/could-the-end-of-the-bear-market-finally-be-near/) - Investors cheered the passage of a debt ceiling bill on Friday that averts a U.S. default, but the biggest driving factor was May's jobs report, which showed U.S. employers added a seasonally adjusted 339,000 jobs, far more than expected. The data also showed a moderation in year-over-year average hourly earnings growth and a bump up
- [The ticking bomb of a potential default](https://futurewealthllc.com/the-ticking-bomb-of-a-potential-default/) - Renewed concerns over regional banks have been pushing regulators into uncomfortable areas, like facilitating and allowing the largest U.S. banks to get even bigger. Secretary Janet Yellen said, earlier this week, that more mergers might be needed. Programs being considered are to allow the FDIC to guarantee banks' uninsured deposits, and there are now even
- [Its that time of the year to listen to the sage - Warren Buffett](https://futurewealthllc.com/its-that-time-of-the-year-to-listen-to-the-sage-warren-buffett/) - When Warren Buffett speaks at Berkshire Hathaway’s annual shareholder meeting, everyone should listen. The comments at this year's meeting that ended over last weekend were anything but positive for investors. "In the general economy, the feedback we get is that perhaps the majority of our businesses will actually report lower earnings this year than last
- [The Market is So Wrong](https://futurewealthllc.com/the-market-is-so-wrong/) - Investors cheered Apple's latest earnings report and welcomed a strong jobs report, which suggested the U.S. economy remained robust despite banking uncertainty and rising interest rates. Friday's gains were not enough to wipe out weekly losses for the S&P 500 and Dow Jones indexes, which fell 0.8% and 1.2% respectively, while the Nasdaq Composite eked
- [A Disturbing Trend](https://futurewealthllc.com/a-disturbing-trend/) - Major stock indexes posted solid gains on Friday to end the week and the month on higher ground, in part as earnings reports from several big tech companies including Alphabet, Microsoft and Meta Platforms were received positively by investors. However, Amazon fell 4% Friday despite better than expected quarterly results, after warning growth in its
- [The Consumer is the Next to Crack](https://futurewealthllc.com/the-consumer-is-the-next-to-crack/) - The dents in global economic growth are growing more visible and fallout from financial-market tension is lingering—potentially indicating that while the US is making some progress in its inflation fight, the Federal Reserve is still expected to hike rates again next month. As Q1 earnings season from US corporations gets underway, it is important to
- [Shocks trigger a recession](https://futurewealthllc.com/shocks-trigger-a-recession/) - Stocks closed out March with all three major market indexes higher than they were at the end of February, as the turmoil caused by the collapse of Silicon Valley Bank was contained, at least for now. The banking turbulence may well weigh on lending conditions in the months ahead, creating a new headwind for the
- [Future Wealth LLC expands its presence opening an office in Orange County, CA](https://futurewealthllc.com/future-wealth-llc-expands-its-presence-opening-an-office-in-orange-county-ca/) - Future Wealth LLC welcomes the addition of Rusty Hoss to its investment advisory team. Rusty joins Future Wealth LLC from Champlain Investment Partners, where he was Portfolio Manager for Emerging Markets from 2015-2022, managing a $100 million fund and a six person investment team. Prior to Champlain Investment Partners, Rusty was Portfolio Manager at New
- [The Bear Market is Only Hiding](https://futurewealthllc.com/the-bear-market-is-only-hiding/) - A key measure of U.S. inflation published earlier this week showed signs of moderating in March, with the Consumer Price Index (CPI) climbing 5% compared to last year, slowing from an annual pace of 6% seen in February. However, core CPI, which excludes volatile food and energy prices, rose 5.6% Y/Y. Fed staff also projected
- [Chips: Get Set for More Pain, Says Chardan](https://futurewealthllc.com/chips-get-set-for-more-pain-says-chardan/) - https://www.barrons.com/amp/articles/chips-get-set-for-more-pain-says-chardan-1440202242
- [No End in Sight](https://futurewealthllc.com/no-end-in-sight/) - Following last week’s CPI report for January that reflected an inflation rate of 6.4%, higher than expected and only slightly less from 6.5% in December, Core Personal Consumption Expenditure (PCE) data was released this week. PCE, the central bank's preferred inflation measure, unexpectedly increased 0.6% in January from December. Meanwhile, consumer spending surged 1.8% last
- [The Fed is Trapped](https://futurewealthllc.com/the-fed-is-trapped/) - Federal Reserve Bank of Atlanta President Raphael Bostic said on Thursday that the central bank could be in position to pause the current tightening cycle by mid to late summer. He favors a 25 basis points rate hike in March. The markets celebrated. The three major stock market indexes rose for the week, with the
- [Let the Bank runs begin](https://futurewealthllc.com/let-the-bank-runs-begin/) - Stocks ended their worst week so far this year with a fourth straight day of losses, and U.S. Treasuries and gold soared in a flight to quality, after federal regulators closed Silicon Valley Bank (SVB) on Friday in the biggest U.S. bank failure since 2008. Regional bank stocks plunged, with the top S&P regional banking ETF
- [What a mess!](https://futurewealthllc.com/what-a-mess/) - Stocks and bond yields fell Friday, capping a tumultuous week as concerns rose that turmoil rocking the banking sector will tip the global economy into a recession. Investors pulled back from positions in regional bank shares and the financial sector overall. Despite the down session, the S&P 500 settled 1.4% higher on the week and
- [The World Order is Changing Fast](https://futurewealthllc.com/the-world-order-is-changing-fast/) - Russia and China got into a love fest this week. Led by two crooks - one who caused Covid, killed millions around the world but denied it, and the other who invaded Ukraine, killed hundreds of thousands innocent civilians and continues to pursue an unwinnable war. While the latter has been deemed a criminal by
- [How Redditors Shook Up Wall Street](https://futurewealthllc.com/how-redditors-shook-up-wall-street/) - It was an example of the power of social media that financial advisor and 10 year Wall Street veteran Jay Srivasta of Future Wealth LLC says, is not entirely unheard of. https://www.whatthetech.tv/howredditorsshookupwallstreet/
- [Duct Tape the Fed](https://futurewealthllc.com/duct-tape-the-fed/) - US inflation is still slowing, but it isn’t going away as quickly as many may have hoped. Consumer prices in January reflected an inflation rate 6.4%, higher than expected and only slightly less from 6.5% in December. Markets were hoping for 6.2% reading and the most optimistic investors were looking for < 6% reading. The
- [Victory over inflation could be premature](https://futurewealthllc.com/victory-over-inflation-could-be-premature/) - It all seems too easy - after months of sky-high inflation, prices are finally coming down after the Fed hiked interest rates eight times. Fed Chair Jay Powell’s comment that he is already seeing signs of pricing pressure cooling off emboldened investors into believing the worst is now finally over. Risky assets are rallying as
- [The Fed is getting what they wanted but will they stop raising interest rates?](https://futurewealthllc.com/the-fed-is-getting-what-they-wanted-but-will-they-stop-raising-interest-rates/) - The US economy is cooling just like the Federal Reserve wants, but growth hasn’t stalled—also as the Fed wants. While US gross domestic product for the last quarter exceeded estimates, the central bank’s preferred inflation measure - PCE, slowed to its lowest pace in more than a year. Together, these data points make it likely
- [The Demise of 60/40 Stocks/Bonds Allocation](https://futurewealthllc.com/the-demise-of-60-40-stocks-bonds-allocation/) - Following a year in which most time tested investment strategies failed miserably, Blackrock finally accepted that the 60/40 model which has been a bedrock of most asset management firms, financial advisors and 401K plans, has suffered the worst year since the financial crisis of 2008 and that the structure is outdated and can no longer
- [The Fed flips the script and could flip it again in the next meeting](https://futurewealthllc.com/the-fed-flips-the-script-and-could-flip-it-again-in-the-next-meeting/) - The Fed, which has long held the position that consumers would have to endure significant pain in order to control inflation flipped a switch on Wednesday citing that measurable progress has been made on disinflation to warrant a dovish stance on interest rates for the first time since early 2022. Fed Chair Jerome Powell expressed
- [Happy Holidays](https://futurewealthllc.com/happy-holidays/) - To all our clients and readers of this newsletter - Happy Thanksgiving and Seasons Greetings. It has been a tough year for investors with the S&P 500 down 16% ytd and Nasdaq down 29% ytd. Surprisingly, the Dow Jones is only down by 5.5% ytd, a reflection of the shift from growth to value -
- [Merry Christmas and Happy New Year](https://futurewealthllc.com/merry-christmas-and-happy-new-year/) - t has been a tough 2022 for investors but our clients have done better than most mutual fund and hedge fund managers. Year to date, all of our clients' portfolios have outperformed the Nasdaq (down 34%) and 90% of our clients have outperformed the S&P 500 (down 20%), even as some high profile hedge fund managers
- [The Fed hammers the stock market once again](https://futurewealthllc.com/the-fed-hammers-the-stock-market-once-again/) - Just as he did in August, on Wednesday this week, the Federal Reserve chair talked tough on inflation, squashing investor hopes of a decisive pivot away from tightening monetary policy and knocking stocks to the lowest in more than a week. The S&P 500 Index fell 2.5% on Wednesday, the biggest decline since Oct. 7,
- [Retail stocks breaking down before the holidays signals a recession in 2023](https://futurewealthllc.com/retail-stocks-breaking-down-before-the-holidays-signals-a-recession-in-2023/) - Stocks finished with modest gains Friday, but the main U.S. indexes still ended with weekly losses as doubts rose about the staying power of the recent rally sparked by signs of easing U.S. inflation. Stocks turned lower earlier in the week after St. Louis Federal Reserve President James Bullard said the central bank's appropriate target
- [The Bitcoin fools lose their shirt](https://futurewealthllc.com/the-bitcoin-fools-lose-their-shirt/) - On Monday this week, Sam Bankman-Fried, the chief executive of the cryptocurrency exchange FTX, took to Twitter to reassure his customers: “FTX is fine,” he wrote. “Assets are fine.” On Friday, FTX announced that it was filing for bankruptcy, capping an extraordinary week of corporate drama that has upended crypto markets and sent shock waves
- [Attempting to defy the Phillips Curve?](https://futurewealthllc.com/attempting-to-defy-the-phillips-curve/) - A speech from Fed Chair Jay Powell on Wednesday sent markets flying amid signals that the central bank could begin slowing its aggressive interest rate increases. When the dust settled at the end of the session, the Nasdaq closed up a whopping 4.4%, while the S&P 500 and the Dow finished the day ahead by
- [When Irrationality Triumphs Sensibility](https://futurewealthllc.com/when-irrationality-triumphs-sensibility/) - Last week, Blackstone announced that it will limit investor redemptions from its $69 billion Blackstone Real Estate Income Trust (BREIT) in December after being hit with heavy withdrawals in October and November. For those who are not familiar with BREIT, Blackstone Real Estate Income Trust Inc. is a $70.4 billion private real estate fund. Launched
- [The Fed jolts the stock market once again](https://futurewealthllc.com/the-fed-jolts-the-stock-market-once-again/) - The Federal Reserve delivered a widely expected 50-basis-point rate hike this week, but surprised the markets by signaling rates would stay high through next year. At the meeting, the Fed revised their median prediction for core inflation in 2023 upwards by 40-basis-points from last meeting, putting 5.1% as the new interest rate destination before considering any
- [What awaits us in 2023?](https://futurewealthllc.com/what-awaits-us-in-2023/) - With few exceptions, the best and brightest in stock and bond markets failed to appreciate how the outbreak of inflation would upend the investing world in 2022. They failed to anticipate how the Fed would react, thinking rate hikes would be measured rather than decisive, and failed to foresee how that central bank strategy would
- [The Times, They are A-Changin](https://futurewealthllc.com/the-times-they-are-a-changin/) - Stocks pushed higher Friday as the three major market benchmarks booked their best weekly percentage gains since November. On the economic front, the University of Michigan consumer sentiment index climbed in January to its highest level in nine months, which followed December's consumer price index data released Thursday showing prices declined slightly, boosting hopes that
- [The Markets are going to be wrong again](https://futurewealthllc.com/the-markets-are-going-to-be-wrong-again/) - Stocks surged and U.S. Treasury yields fell Friday after Federal Reserve Bank of San Francisco President Mary Daly said future interest rate increases could come in smaller increments to achieve the Fed’s target neutral rate. While the Fed seems set to again lift its benchmark rate by 75 basis points at the November policy meeting, there may
- [The decay in global leadership](https://futurewealthllc.com/the-decay-in-global-leadership/) - This report could be about the recent bear market rally, Kanye West’s implosion or UK Prime Minister’s exit after just 44 days in office. But, we would like to divert our readers’ attention to something more fundamentally unsettling. Ex-President Trump will likely be indicted soon and yet he continues to unleash hatred, pettiness and shameless
- [Planning Your Future  with Future Wealth LLC](https://futurewealthllc.com/planning-your-future-with-future-wealth-llc/) - Published on Go Solo - Entrepreneur Stories - https://gosolo.subkit.com/future-wealth/ What's your business, and who are your customers? Future Wealth LLC is a registered investment adviser (RIA) operating in several states across the US, catering not only to the high net worthy individuals but too low to middle-income individuals who have been left behind by the
- [Hard landing is here as the economy faces new risks](https://futurewealthllc.com/hard-landing-is-here-as-the-economy-faces-new-risks/) - CPI reading of 8.2% for September, barely down from 8.3% in August showed how sticky inflation has become a part of the US economy. Wall Street was clearly not prepared for it with concerns that price pressures are getting entrenched leaving the S&P 500 down 1.6% over five days, bringing losses on the year to
- [When good news is bad news for the market](https://futurewealthllc.com/when-good-news-is-bad-news-for-the-market/) - Stocks plunged Friday after the latest government data showed a hot U.S. labor market that likely ends any doubt that the Federal Reserve will maintain its aggressive policy of raising interest rates by 75 basis points later this month. Nonfarm payrolls increased 263,000 in September after a 315,000 gain in August, and the unemployment rate
- [Brace for impact as layoffs begin](https://futurewealthllc.com/brace-for-impact-as-layoffs-begin/) - In response to the continued hawkish position of the Fed and their desire to slow down the economy, the first signs of material cracks in the economy started to show as a series of companies began to trim their workforce - JP Morgan to lay off 1000 workers, Compass to cut 450 works, Redfin to
- [There will be blood - Fed’s mistakes will cause real pain](https://futurewealthllc.com/there-will-be-blood-feds-mistakes-will-cause-real-pain/) - Investors fled for the exits on Friday, driving a selloff in both stocks and bonds to cap a brutal week, as the market transitioned quickly from worrying about stubbornly high inflation to a sense of rising alarm over the Federal Reserve's aggressive tightening campaign. The Dow Jones average plunged 486 points Friday to finish at 29,590,
- [Who Is Going To Get This Right? The Fed Or The Market](https://futurewealthllc.com/who-is-going-to-get-this-right-the-fed-or-the-market/) - The S&P 500 posted its worst weekly performance since mid-June, slumping 4.78% for the five-day session. The losses came on the back of a solid 3.65% gain last week. The selling pressure started on Tuesday after a hotter than anticipated consumer price inflation report, with the headline print for August rising 8.3% from a year
- [The Job market is fighting the Fed](https://futurewealthllc.com/the-job-market-is-fighting-the-fed-2/) - Hiring slowed sharply in August but remained sturdy as employers added 315,000 jobs despite softer consumer spending gains, rising interest rates and a sputtering economy. The unemployment rate rose from 3.5% to 3.7%. In his speech at an annual symposium in Jackson Hole, Fed Chair Jerome Powell said that the U.S. economy will likely experience
- [Only the Fed can derail this stock market rally](https://futurewealthllc.com/only-the-fed-can-derail-this-stock-market-rally/) - The week started positively with the stock market continuing its rally despite retailers warning of slowdown, semiconductor companies cautioning on outlook and housing market cracking as expected. But, the resilience of the stock market rally was broken by comments from St. Louis Federal Reserve President James Bullard who indicated that the Fed likely would continue hiking
- [What the Fed wants, the Fed gets](https://futurewealthllc.com/the-job-market-is-fighting-the-fed/) - Chairman Jerome Powell, in highly anticipated remarks from the annual Jackson Hole policy meeting, said in no uncertain terms that interest rates will keep rising and aren't likely to come down soon. But that's where the certainty ended. The size of a September rate hike hinges on the data, Powell said. Wall Street took his
- [A Pavlovian Response to the Fed](https://futurewealthllc.com/a-pavlovian-response-to-the-fed/) - U.S. stocks rallied on Friday and major indexes snapped a three-week losing streak as investors continue to factor in the expectation for higher interest rates just around the corner. All 11 sectors in the S&P 500 closed in the green for the week, with the consumer discretionary sector standing out as the top gainer. The
- [How to Become a Financial Advisor](https://futurewealthllc.com/how-to-become-a-financial-advisor/) - Financial advisors combine specialized knowledge, customer service, and sales skills to find clients and help manage their investments, retirement, and more. Financial advisors must stay up to date on regulations and certifications to serve their clients. "A financial advisor is one who is continuously monitoring clients' investments and portfolios and looking out for the client
- [Markets are flipping between gloom and glee](https://futurewealthllc.com/markets-are-flipping-between-gloom-and-glee/) - Despite weak results from the tech sector, the S&P 500 Index and Dow Jones Industrial Average posted their biggest weekly gain in a month, while the Nasdaq notched its largest advance since July 8. But, the economy is putting out mixed vibes. One day, an indicator points toward a recession and the next day, we
- [The Silver Lining - Dividend Payouts hit New Record](https://futurewealthllc.com/the-silver-lining-dividend-payouts-hit-new-record/) - Stocks finished sharply higher on Friday, snapping a five-day losing streak thanks in part to stronger than expected retail sales data and a moderation in inflation expectations. But Friday's rally still was not enough to overcome three days of selling earlier in the week, leaving the three major market indexes with weekly losses of 1.6%
- [Predicting the end of the bear market](https://futurewealthllc.com/predicting-the-end-of-the-bear-market/) - The Jobs report released on Friday showed that the U.S. economy added a stronger than expected 372,000 jobs in June, and the unemployment rate held steady at a healthy 3.6%, giving the Fed no reason to deviate from its plan for aggressive rate hikes. Investors may have backed off a bit from overriding recession fears,
- [We are in a recession but does Wall Street care?](https://futurewealthllc.com/we-are-in-a-recession-but-does-wall-street-care/) - So is it a recession or not? Gross domestic product fell at a 0.9% annualized rate in the second quarter after a 1.6% decline in the first three months of the year. This means that the US economy shrank for a second straight quarter, which technically means a downturn. But the obscure panel of economists actually
- [The Fed wants the economy to slow down but the economy refuses to do so](https://futurewealthllc.com/the-fed-wants-the-economy-to-slow-down-but-the-economy-refuses-to-do-so/) - Stocks finished strong after a surprising jobs report. The U.S. economy added 528,000 jobs in July, the Labor Department reported, more than twice as high as expected, and the unemployment rate ticked down to 3.5%, matching the lowest level since the late 1960s. Wage growth also rose more than expected, up 0.5% for the month
- [Peak Inflation could signal the beginning of another bull market](https://futurewealthllc.com/peak-inflation-could-signal-the-beginning-of-another-bull-market/) - July’s CPI (Consumer Price Index) reading of 8.5%, a significant drop from June’s number of 9.1% coupled with surge in consumer confidence injected euphoria into the markets. With first signs of decline in inflation, the Fed must rethink its quantitative tightening posture. With no Fed meeting in August, the next meeting in September will provide
- [The Fed’s work has been done by the stock market](https://futurewealthllc.com/the-feds-work-has-been-done-by-the-stock-market/) - The Federal Reserve minutes of the May meeting, released earlier this week, gave investors a pretty clear roadmap for the summer. The minutes highlighted the Fed’s focus on inflation and with rate hikes of 50 basis points in the June and July meetings. The stock market interpreted this to mean that the policy path after
- [Investing for a recession](https://futurewealthllc.com/investing-for-a-recession/) - Persistent inflation, another Fed policy mistake, and recession fears have unnerved investors. It has been several decades since the stock market has had such a long streak of heavy losses. US stocks continue to be vulnerable to further losses until the Fed indicates it's ready to stop tightening monetary policy. Investors are pricing in expectations
- [Investing for a recession - Part Deux](https://futurewealthllc.com/investing-for-a-recession-part-deux/) - The fact that the Fed misread inflation last year is widely accepted. Fed Chair Powell has repeatedly confessed in subsequent meetings “We have to be humble about our ability to understand the data”. Last week, Treasury Secretary Janet Yellen said “I was wrong about the path that inflation would take." Earlier this week, while being
- [Housing Market Cracks](https://futurewealthllc.com/housing-market-cracks/) - The U.S. housing market is at the beginning stages of the most significant contraction in activity since 2006. It hasn’t shown up in many data series yet, but mortgage applications are pointing to a large decline over summer with home-purchase mortgage applications down 40% from their most recent peak in 2021. Housing data following high
- [Bringing a end to the perfect storm](https://futurewealthllc.com/bringing-a-end-to-the-perfect-storm/) - With June now over, we can say that the S&P 500 has suffered its toughest first half since Richard Nixon was in the White House. It was a rout for the history books, with the equity gauge down about 21%. Investors in consumer stocks witnessed a wipeout of $1.8 trillion in market value. That said,
- [Up in Smoke – Economic slowdown and reversal of Roe](https://futurewealthllc.com/up-in-smoke-economic-slowdown-and-reversal-of-roe/) - US economy is slowly but surely showing signs of deterioration in economic growth. Earlier this week, Purchasing Managers’ Index (PMI) came in at 51.2, the weakest level since January. Forward looking indicators are projecting economic contraction in the third quarter. Both manufacturing and services indexes are showing declines suggesting that businesses are concerned about rising
- [The Fed is cutting loose from the stock market](https://futurewealthllc.com/the-fed-is-cutting-loose-from-the-stock-market/) - The U.S. economy could be heading for a recession in the next year, according to growing warnings from banks and economists, as a sudden bout of pessimism hammered financial markets this week. Of note was comments from Fed Chair Jay Powell earlier this week, that suggested that the Fed’s sole aim was to curb inflation
- [Inflation is headed lower but beware of being eaten alive](https://futurewealthllc.com/inflation-is-headed-lower-but-beware-of-being-eaten-alive/) - The good news is that inflation in April fell to 8.3% from 8.5% in March. The bad news is that it still stayed above 8%. The task at hand, for the Fed, is to bring inflation down to its 2% target without pushing the economy into a recession. It gives us no comfort when we
- [We are in a bear market - Will the Fed get us out of it?](https://futurewealthllc.com/we-are-in-a-bear-market-will-the-fed-get-us-out-of-it/) - Very few Fed meetings have been as important as one on Wednesday this week. After Fed Chair Jay Powell’s prepared comments, the perfect question from the CNBC reporter during the Q&A session that turned the markets around was “Will there be a 75 basis point increase in interest rates in the coming months?”. Jay Powell
- [Climbing the wall of worry - The good news and the bad news](https://futurewealthllc.com/climbing-the-wall-of-worry-the-good-news-and-the-bad-news/) - The bad news - stocks closed out their worst month in years, as investors battled a host of headwinds, including monetary tightening from the Federal Reserve, rising interest rates, worsening inflation, COVID lockdowns in China and the ongoing war in Ukraine. The Nasdaq fell 13.3% in April, its worst monthly performance since the financial crisis
- [Being cautious now is being wise](https://futurewealthllc.com/being-cautious-now-is-being-wise/) - The Dow Jones average suffered its worst beating since October 2020 on Friday, capping a fourth straight weekly decline on the news that the Federal Reserve will raise interest rates by at least a half point at its meeting next month. The Fed's hawkish signaling, with 50-basis-point rate hikes expected over the next few meetings
- [Getting used to the pain of high inflation](https://futurewealthllc.com/getting-used-to-the-pain-of-high-inflation/) - Stocks meandered lower this week deepening losses for all three of the market’s benchmark indexes. The moves came as investors focused on inflation with Treasury yields climbing higher, and back-to-back inflation reports showed prices posting record advances. The main sources of pain during the month were gasoline and food. While some contend the current inflation
- [Remaining happy in our own little world](https://futurewealthllc.com/remaining-happy-in-our-own-little-world/) - Earlier this week, Vladimir Putin’s forces attacked a train station in the east of Ukraine filled with people trying to flee the conflict. At least 50 of them were killed in the assault on Kramatorsk train station, reportedly with the use of cluster munitions. Such weapons are banned under international treaty given their capacity to
- [Figure this out correctly and you have a job waiting for you at the Federal Reserve](https://futurewealthllc.com/figure-this-out-correctly-and-you-have-a-job-waiting-for-you-at-the-federal-reserve/) - Last year was the most profitable for American corporations since 1950. Profits surged 35%, driven by strong household demand and the passing of price hikes on to consumers. While American workers are getting pay bumps, consumer prices are rising more than average wages. Still, people are quitting in droves and open positions outpace available workers.
- [The war has muddled the markets](https://futurewealthllc.com/the-war-has-muddled-the-markets/) - All three major stock market averages notched their second straight winning week. The stock market's rebound has come even as the war in Ukraine continues with little sign of being resolved shortly and with interest rates shooting higher as the Federal Reserve stays on track to raise rates throughout the year. But the impact could
- [Playing both sides is a dangerous game](https://futurewealthllc.com/playing-both-sides-is-a-dangerous-game/) - Chinese leader Xi Jinping assured U.S. President Joe Biden on Friday that he didn’t want war in Ukraine, but that he doesn’t approve of sanctions, either. During the highly anticipated call, Biden warned Xi of “implications and consequences”, should China move to provide support for Putin’s war. Over the past week, China has appeared to
- [The end of easy investing](https://futurewealthllc.com/the-end-of-easy-investing/) - As the war rages on, Russia is at imminent risk of defaulting on its debts as western economic sanctions choke off its access to dollars and other global currencies to pay lenders, a move that would have devastating economic ripple effects. Inside Russia, a default would mean tremendous economic hardship for ordinary people. A lack
- [Are the Fed and the White House on the same team or not?](https://futurewealthllc.com/are-the-fed-and-the-white-house-on-the-same-team-or-not/) - In over three hours of testimony on Wednesday this week, Federal Reserve Chair Jerome Powell made the fight against inflation his top priority over the risks from Russia’s invasion of Ukraine, backing a quarter point interest rate rise later this month. He set the stage for future interest rate increases by stating “To the extent that inflation
- [How January 2022 put an end to the meme stock craziness](https://futurewealthllc.com/how-january-2022-put-an-end-to-the-meme-stock-craziness/) - When the Reddit crowd invaded the stock market with insensible ideas last year, it began a cycle of craziness never seen before. Stocks bordering on bankruptcy or some already in bankruptcy became the favorite of retail investors who had little prior knowledge of investing but were sucked into the phenomenon sweeping through the fringes of
- [From the Palace to the Taxi Stand - Admitting investing mistakes is the hardest part](https://futurewealthllc.com/from-the-palace-to-the-taxi-stand-admitting-investing-mistakes-is-the-hardest-part/) - Cathie Wood’s flagship fund - ARK Innovation ETF, is down 30% year to date. When Wood was invited on CNBC earlier this week, she took it as an opportunity to defend the fund by saying some of her investments are onto innovations seen once in a century. Unfortunately for her, ARK investors are not willing to
- [The good news and the real bad news](https://futurewealthllc.com/the-good-news-and-the-real-bad-news/) - First, the good news - The stock market scored an amazing comeback this week, initially selling off on the deteriorating Russia-Ukraine situation, then rallying on optimism that the conflict could have only a minimal impact on the U.S. economy. While the impact of sanctions and any further moves by Putin are hard to assess at
- [Future Wealth LLC Introduces Options Trading](https://futurewealthllc.com/future-wealth-llc-introduces-options-trading/) - Future Wealth LLC, in association with our custodian TD Ameritrade/Schwab, introduces Options trading to clients in their portfolios. Options trading adds to the current suite of services offered by Future Wealth LLC which includes managing investments in Brokerage, IRA, Roth IRA, UTMA, 529, Insurance, Annuities, HSA and Trust accounts. Future Wealth LLC also provides advisory services
- [Market drop causes concern but should you react?](https://futurewealthllc.com/market-drop-causes-concern-but-should-you-react/) - Stocks capped their worst week in nearly two years with another round of intense choppy trading. Both the S&P and Dow closed out their third straight week of losses, down 5.7% and 4.6% respectively, while the Nasdaq Composite plunged 7.6% for the week, its worst weekly decline since March 2020. Prospect of an interest rate
- [The Fed waited and waited until…](https://futurewealthllc.com/the-fed-waited-and-waited-until/) - Stocks ended on a high note Friday with a furious late rally to wrap up a roller-coaster week, as the swings indicate the challenge the market now faces, which is that financial conditions are going to be tightening, and Wall Street is ramping up expectations of how many times the Federal Reserve will raise rates
- [Eat your vegetables approach to investing](https://futurewealthllc.com/eat-your-vegetables-approach-to-investing/) - Stocks ended a rough week, with money flowing out of growth stocks and into value stocks as Treasury yields surged across the board. The catalyst was the December employment report, which showed tight labor market conditions with a slowdown in hiring and strong wage gains. The U.S. unemployment rate fell below 4%. But, the omicron
- [Five New Year Resolutions for all investors](https://futurewealthllc.com/five-new-year-resolutions-for-all-investors/) - With another blockbuster year of stock market returns behind us, it is easy to delude ourselves into thinking that 2022 will be another year of double digit returns. While there is a chance, albeit small, that we could witness the unprecedented bull run continuing unabated, it would be wise for all investors to look back
- [2021 in Review: Anyone object to another year of 20%+ returns?](https://futurewealthllc.com/2021-in-review-anyone-object-to-another-year-of-20-returns/) - After >15% returns in the stock market in 2019 and 2020, the pundits were on the defensive going into 2021. The year began badly - Jan 6th Capitol riots and impeachment of the President on Jan 13. February witnessed Bezos, the mastermind behind Amazon stepping away from the CEO role and the deep freeze in
- [Financial planner vs. financial advisor: Which is best for you all depends on your current and future needs](https://futurewealthllc.com/financial-planner-vs-financial-advisor-which-is-best-for-you-all-depends-on-your-current-and-future-needs/) - Financial planners and financial advisors both provide invaluable services if you're looking for guidance when it comes to your money. But the terms are not interchangeable. Though financial planners and advisors may offer similar and even some overlapping services, it's important to know the differences between these roles and what they can do for you
- [Inflation soars; The Fed is going to move fast; What should investors do?](https://futurewealthllc.com/inflation-soars-the-fed-is-going-to-move-fast-what-should-investors-do/) - The biggest economic release for financial markets has traditionally been Jobs day, but in recent months, CPI (Consumer Price Index) day has taken the spotlight. Headline inflation on Friday was growth of 6.8% Y/Y in November, which was the highest level since the summer of 1982. The worsening price environment will likely prompt the Fed
- [Anyone want Fed Chair Jay Powell's job for a day?](https://futurewealthllc.com/anyone-want-fed-chair-jay-powells-job-for-a-day/) - This week, on Thursday, employment numbers came in lower than expected for November, but on Friday, the unemployment rate dropped and the labor participation rate rose. These mixed messages further muddled markets - stocks closed out the week with a decline - the Nasdaq down 1.9%, took the brunt of the selling again, while the S&P
- [What Would Milton Friedman Do?](https://futurewealthllc.com/what-would-milton-friedman-do/) - The three most influential economic minds of all time are, and few would dispute - Adam Smith, John Maynard Keynes, and Milton Friedman. In these times of rising inflation, the world needs a little bit more of Friedman. The Nobel Prize winner, best known for the theory of monetarism, would disagree with the Fed chair
- [Here we go again!!](https://futurewealthllc.com/here-we-go-again-2/) - Just as the European Union was confronting the ugly reality of Covid-19 infections forcing countries to go into lockdowns and the US still dealing with the Delta variant threatening to take the steam out of the economy going into the holiday season, South Africa raised the alarm on Friday over a fast-spreading strain of the coronavirus.
- [Sins of deceit - India sticks it to China as Covid deaths cross 5 million](https://futurewealthllc.com/sins-of-deceit-india-sticks-it-to-china-as-covid-deaths-cross-5-million/) - China recorded 600 cases in the last 15 days as the delta variant has forced the country to impose strict lockdowns. The United States surpassed the sobering milestone of 750,000 COVID-19 deaths despite the widespread availability of vaccines. Worldwide, the pandemic has been devastating - accounting for 5 million deaths thus far. It all started
- [Failing companies spin off to create several more failing companies](https://futurewealthllc.com/failing-companies-spin-off-to-create-several-more-failing-companies/) - The most high profile rewiring is General Electric, in decline since 2008, which announced that it is spinning off its businesses into three separate companies - Aviation, Energy and Healthcare. Toshiba, another company that has been struggling for a decade, announced that it is going to split into three as well - Infrastructure, Electronic Devices
- [Tesla enters the dumping ground - Rental car market](https://futurewealthllc.com/tesla-enters-the-dumping-ground-rental-car-market/) - Elon Musk, CEO of Tesla, took another step in defying conventional wisdom by agreeing to provide Hertz with 100,000 Teslas to be delivered by next year. The news was extremely well received by Wall Street and took Tesla’s market cap past $1 trillion and in the process made Elon Musk richer by $42 billion. Just days
- [Market is looking for direction - Stay invested or say goodbye](https://futurewealthllc.com/market-is-looking-for-direction-stay-invested-or-say-goodbye/) - With Q3 earnings season kicking into gear, the three major U.S. stock averages stayed near record highs in the past week. But inflation may be damping investor sentiment. Fund managers turned bearish on growth prospects for the first time since the depths of the pandemic. And on Friday, even Fed Chair Jerome Powell, who has
- [Covid - Please go away](https://futurewealthllc.com/covid-please-go-away/) - The stock market bounced back on Friday after the major indexes suffered their worst month of the year in September amid rising fears of inflation, slowing growth and rising rates - the Dow Jones was down 4.3%, the S&P 500 fell 4.8%, and the Nasdaq Composite was off 5.3%. In the plethora of concerns lies
- ["Wet Paint" - Don't touch. But, people do it anyways.](https://futurewealthllc.com/wet-paint-dont-touch-but-people-do-it-anyways/) - Stocks fell Friday after a weak jobs report added to speculation about the Federal Reserve's plan to taper its bond-buying program. September was the slowest month for job growth this year, with just 194,000 jobs added compared to consensus estimates for a half-million, signaling a slowing of the labor market recovery. Inflation concerns pushed long-term
- [Dealing with the mother of all traffic jams](https://futurewealthllc.com/dealing-with-the-mother-of-all-traffic-jams/) - Supply chain shortages; Inflation worries; Rising oil prices; Fed tapering concerns; Interest rate hike timeline - these are the topics that have been filling the business news cycle all week. Let's break it down: 1. Supply chain shortages - The root of the problem goes back to the beginning of the pandemic in spring 2020,
- [China does it again - Wipes out billions of dollars in investments](https://futurewealthllc.com/china-does-it-again-wipes-out-billions-of-dollars-in-investments/) - In just one week, China curtailed the property sector and killed the crypto currency market. The week began with Evergrande which indulged in rampant borrowing that triggered the ire of Xi Jinping. Without even waiting for the Evergrande investors to lick their wounds, on Friday, China's central bank announced that all transactions of crypto-currencies are
- [What spooked the market this week?](https://futurewealthllc.com/what-spooked-the-market-this-week/) - The S&P 500 had its worst week since June, down 1.7%. The Dow and Nasdaq declined as well, down 2.2% and 1.6%, respectively. Primary reasons for the decline was over inflationary pressures and the Federal Reserve’s plan to pull back on bond purchases later. The elephant in the room was the delta variant. A new U.S.
- [Bad news bears are looking for a correction](https://futurewealthllc.com/bad-news-bears-are-looking-for-a-correction/) - The calls for a stock market correction are beginning to blow through Wall Street. Deutsche Bank cautioned on the chance for a near-term correction in markets. Bank of America also issued a warning. Like clockwork, the S&P 500 endured another mid-month swoon. But, it's not all bad news with economic data - August retail sales
- [More reasons to avoid Chinese stocks](https://futurewealthllc.com/more-reasons-to-avoid-chinese-stocks/) - Every week brings more bad news for investors in Chinese companies. The latest victim is the video game sector, following a clampdown on ride hailing services, e-commerce platforms and education sectors not too long ago. On Monday this week, China imposed a new rule that minors would no longer be allowed to play online video
- [It is time to exit China](https://futurewealthllc.com/it-is-time-to-exit-china/) - As the delta variant of the Covid pandemic continues to work itself back into the lives of the vaccinated population even as the unvaccinated struggle to procure enough supplies to inoculate themselves, we turn our attention to the country that began this pandemic in the first place - China. In a country where authoritarianism prevails,
- [Beware of becoming greedy - Part Deux](https://futurewealthllc.com/beware-of-becoming-greedy-part-deux/) - In an environment of record savings and uncertainty lingering around the delta variant, the desire for safe investments i.e. bonds, has been greater than ever. But, rising inflation has messed up that equation. With inflation running higher than 5%, bank interest rates are a joke. But, even AAA and AA bond yields are not living
- [Beware of becoming greedy](https://futurewealthllc.com/beware-of-becoming-greedy/) - With the markets at all time highs, it is easy to dismiss 15-20% returns year to date from the indexes and look for even higher returns. After all, we are human. Nothing is enough. But the market has its seasonal swings and it is fully possible that come September, the market may run out of
- [Will rising infections take the momentum away from stock market gains?](https://futurewealthllc.com/will-rising-infections-take-the-momentum-away-from-stock-market-gains/) - The U.S. labor market brightened in July with its biggest increase in employment in almost a year, highlighting optimism about the economic recovery. The 943,000 jobs added mark a big step toward the Federal Reserve’s goal of “substantial” further progress justifying tapering of its economic supports. What positive news was in Friday’s report may be
- [Fed holds interest rates steady as economic data continues to improve; but the variant is lurking.](https://futurewealthllc.com/fed-holds-interest-rates-steady-as-economic-data-continues-to-improve-but-the-variant-is-lurking/) - Following the Fed meeting this week, Federal Reserve Chairman Jerome Powell said that while inflation could be more intense than previously thought, indications are that it will settle back down in the future and the Fed is still not ready to begin talks about raising interest rates to mitigate price increases. This is despite the fact that
- [The Consumer is Back - Let the Spending Begin](https://futurewealthllc.com/the-consumer-is-back-let-the-spending-begin/) - U.S. consumer borrowing surged by $35.3 billion in May as Americans, bolstered by a reopening economy and rising job levels, went back to using credit in a big way. Borrowing on credit cards and for auto and student loans showed solid gains in May. It marked the fourth straight month of strong growth in consumer borrowing
- [China botches another IPO](https://futurewealthllc.com/china-botches-another-ipo/) - Just days after DiDi Global pulled off one of the biggest U.S. initial public offerings this decade, a Chinese cybersecurity regulator ordered its removal from China's smartphone app stores, alleging the ride-hailing company illegally collected and used customers' personal information. Half a billion of Didi’s users found themselves unable to use Didi the next day.
- [An Olympic Disaster Awaits](https://futurewealthllc.com/an-olympic-disaster-awaits/) - After a yearlong delay due to Covid-19, the 2020 Tokyo Olympics are finally underway despite withdrawals from many high profile athletes. The Games, the first ever without spectators, promises to be among the strangest and most fraught in history. The opening ceremonies kicked off in a mostly empty stadium due to pandemic restrictions. Just hours
- [All is well  - Take that beach holiday](https://futurewealthllc.com/all-is-well-take-that-beach-holiday/) - The stock market applauded the Jobs report on Friday that showed strong payrolls - but with enough concerns to keep the Fed on hold. The Nasdaq led, posting a weekly gain of 1.9%, followed by the S&P up 1.6% and the Dow trailing, but still up 1%. With the markets at all time highs going
- [The pandemic is over - Buy stocks](https://futurewealthllc.com/the-pandemic-is-over-buy-stocks/) - The S&P 500 closed the week at another record high, posting its best weekly performance since February, as investors came to realize that higher inflation is a given as the economy continues to push out of the pandemic. Fifteen months after the US first plunged into lockdown, the economy is well on its way to
- [Inflation fears strike the market again](https://futurewealthllc.com/inflation-fears-strike-the-market-again/) - Stocks fell every day this week from Tuesday through Friday and the S&P 500 finished its worst week since February, after St. Louis Federal Reserve President James Bullard said interest rates may need to rise next year to tamp down possible inflation. His comments came after the Fed on Wednesday added two rate hikes to
- [Bitcoin finds its way into 401K plans](https://futurewealthllc.com/bitcoin-finds-its-way-into-401k-plans/) - Earlier this week, one of the 401K providers - ForUSAll Inc., announced that it has struck an agreement with Coinbase Global, a cryptocurrency exchange, to allow workers in its 401K plan to invest their contributions in bitcoin. This announcement comes on the heels of a precipitous drop in bitcoin’s value - close to 40%, since
- [Is the U.S. dollar at risk of losing reserve currency status?](https://futurewealthllc.com/is-the-u-s-dollar-at-risk-of-losing-reserve-currency-status/) - While meme stocks dominated news coverage this week with their wild price swings, the stock market got the jobs report it was waiting for, as May's payrolls growth came in short of expectations and led investors to conclude that the Fed would not trim its bond buying anytime soon. All three indexes posted gains for
- [Dow Jones Industrial Average celebrates 125 years and we say “Thank You”](https://futurewealthllc.com/dow-jones-industrial-average-celebrates-125-years-and-we-say-thank-you/) - As optimism over the post-pandemic U.S. economic recovery drove the investment narrative heading into the Memorial Day weekend, it may behoove us to remember that May 26th marked the 125th year anniversary of the Dow Jones Industrial Average (DJIA). For the first time on May 26th 1896, the Dow made up of just 12 companies,
- [Inflation fears take hold and proceed to decimate returns](https://futurewealthllc.com/inflation-fears-take-hold-and-proceed-to-decimate-returns/) - Last Friday’s weak jobs number gave a false sense of security to those who were worried about rising inflation. But, this week, the numbers tell a different story. Wall Street has come to realize that weak jobs numbers are not due to people not finding work, it is because they are not looking for work.
- [Party is over for crypto currencies and SPACs](https://futurewealthllc.com/party-is-over-for-crypto-currencies-and-spacs/) - Cryptocurrencies that seemed to be defying gravity just weeks ago came back down to earth this week. The two main digital currencies, bitcoin and ethereum, fell as much as 30% and 45% respectively, but significantly pared losses after two of their biggest backers - Tesla’s CEO Elon Musk and Ark Investment's CEO Cathie Wood -
- [We are not there yet](https://futurewealthllc.com/we-are-not-there-yet/) - The Friday U.S. jobs report was a reminder that things are not quite back to normal. Unemployment ticked up to 6.1% as businesses added just 266,000 jobs in April—well below expectations of one million. The negative report, coupled with March’s downward revisions, puts us at 8 million jobs below pre-pandemic levels. But, stocks climbed after
- [Wisdom of circular logic never fails](https://futurewealthllc.com/wisdom-of-circular-logic-never-fails/) - In recent months, we have been exposed to a slew of events beginning with the elections in November that has put the rational brain to the test. It began with election fraud - some moron on reddit claimed there was election fraud and a ballot box was mysteriously found in Georgia with votes for Biden.
- [Recovery arrives; Let the price gouging begin](https://futurewealthllc.com/recovery-arrives-let-the-price-gouging-begin/) - Stocks jumped to record highs this week with retail sales and weekly jobless claims signaling an accelerating recovery. Yields on benchmark 10-year Treasury notes dropped the most since February. Economic data released on Thursday showed that some parts of the U.S. economy, like retail sales, have returned to or exceeded pre-pandemic levels. Applications for unemployment
- [To own real estate or invest in REITs - you be the judge](https://futurewealthllc.com/to-own-real-estate-or-invest-in-reits-you-be-the-judge/) - Stocks bounced back on Friday following a pair of strong U.S. economic reports and as investors reassessed concerns from news the previous day that the Biden administration could seek a big boost to capital gains taxes for the rich. The S&P 500 advanced, led by financial and tech shares, while the tech-heavy Nasdaq jumped and
- [Future Wealth LLC celebrates 5 year anniversary and >$25 million in assets under management](https://futurewealthllc.com/future-wealth-llc-celebrates-5-year-anniversary-and-25-million-in-assets-under-management/) - It began as a simple idea when Future Wealth registered itself as an LLC, five years ago on April 11, 2016. The company’s mission was to provide financial advisory services that meet our clients’ risk threshold and investment horizon at a fraction of the cost charged by large banking institutions while putting clients’ interests first and
- [How much should you have in savings at each age?](https://futurewealthllc.com/how-much-should-you-have-in-savings-at-each-age/) - Here’s how those numbers break down based on age, average income and monthly expenditure, according to nationwide data. Also included are emergency savings goals for three and six months of spending. Average retirement savings goal by age Age Retirement saving goal Emergency saving goal 30 $76,187 $14,282 to $28,564 40 $309,816 $18,722 to $37,445 50
- [It is now up to the consumer to spur the economy](https://futurewealthllc.com/it-is-now-up-to-the-consumer-to-spur-the-economy/) - Stocks finished a volatile week with a surge into the close Friday, helped by a boost from President Biden’s doubling of the U.S. vaccine rollout target and the Federal Reserve’s decision to free banks from restrictions on dividends and buybacks. Also, the final consumer sentiment index for March rose to 84.9, the highest since March
- [Resumption of mass shootings in US means life is back to normal](https://futurewealthllc.com/resumption-of-mass-shootings-in-us-means-life-is-back-to-normal/) - A recap of Q1 2021 shows major carnage in some areas of the market but March ended being a positive month for equities. The Dow led the way surging nearly 7%, but the S&P 500 also remained strong, gaining more than 4.5%. Technology was an area of weakness and the Nasdaq 100 was up just
- [Where does the stock market go from here?](https://futurewealthllc.com/where-does-the-stock-market-go-from-here/) - A round of late afternoon buying boosted the DJIA to another record high on Friday as rising optimism around the global economic reopening continued to encourage the rotation into cyclical stocks. But surging bond yields rekindled valuation fears in the big tech names, dragging the Nasdaq down. On the other hand, Congress gave the final
- [The Fed's optimistic, but are investors?](https://futurewealthllc.com/the-feds-optimistic-but-are-investors/) - Stocks gained strength after Fed Chairman Jerome Powell reiterated the central bank's commitment to provide aid to the economy "for as long as it takes." The central bank sharply upgraded its 2021 GDP growth forecast to 6.5% and also said it expected unemployment to drop. Fed Chair Jerome Powell added that inflation was forecast to
- [Looking at Post Inflation Trade](https://futurewealthllc.com/looking-at-post-inflation-trade/) - The major averages finished the week with sharp losses, despite a Friday rebound. Bond buying pushed the 10-year Treasury yield back down to as low as 1.39% after surging above 1.6% at one point. But, stocks and commodities still ended broadly lower. Meanwhile, U.S. personal incomes soared in January as Americans received another round of pandemic
- [Is the bloodbath over?](https://futurewealthllc.com/is-the-bloodbath-over/) - Just last week, in our weekly report, we had stated that if there are signs that the economy is picking up and that higher interest rates are justified, there will be bloodbath on Wall Street. Link to last week’s report is here: https://futurewealthllc.com/research/. As if on cue, following remarks by Fed Chair Powell that reopening of
- [Hiding trades in Off-Exchanges](https://futurewealthllc.com/hiding-trades-in-off-exchanges/) - A little known fact to most investors is that a modest percentage of all trades, also known as dark trading, occur off the main exchanges i.e. New York Stock Exchange and the Nasdaq. Institutional investors who want to hide their bid or ask stock quotes from public view send their orders to private venues, also
- [Dealing with higher inflation](https://futurewealthllc.com/dealing-with-higher-inflation/) - Stocks closed out Friday's session mixed at the end of a choppy week. The S&P 500 logged its first weekly loss in three weeks. The Nasdaq outperformed against the other two major indexes as the rotation into cyclical stocks and away from some high-growth tech names continued. Fears of inflation may be at work amid
- [Wall Street bows to "Pump and Dump" schemes once again](https://futurewealthllc.com/wall-street-bows-to-pump-and-dump-schemes-once-again/) - U.S. stocks suffered their biggest one-day percentage drop in three months on Wednesday, followed by a modest bounce back on Thursday and then further sell off on Friday. This is despite the central bank keeping overnight interest rates near zero and making no change to its monthly bond purchases, as was widely expected, and pledged
- [The curse of free trading](https://futurewealthllc.com/the-curse-of-free-trading/) - When the cost to trade a stock went to $0 a few years ago, largely initiated by small platforms and brokerages, all the big banks and brokerages (Fidelity, Schwab, TD etc.) got into a race to be the first to offer them. Their rationale was that they will make up the lost revenue from trading
- [New Normal is a cliche that is becoming very old](https://futurewealthllc.com/new-normal-is-a-cliche-that-is-becoming-very-old/) - The "New Normal" phrase was used sporadically until the financial crisis in 2008, when Mohammad El-Erian, the CEO of PIMCO, used the term stating that the post-subprime economy could mean subpar growth as new normal. Since then, “New Normal” has meant everything from mass shootings to low interest rates to wearing masks to working from home.
- [Deficit Dynamics: Free Lunch Forever?](https://futurewealthllc.com/deficit-dynamics-free-lunch-forever/) - In the past four years, U.S. government debt has increased by $7 trillion to $21.6 trillion. President Joe Biden has committed to a spending program that could add $1.9 trillion more in the year ahead. At 100.1% of gross domestic product, the debt already exceeds the annual output of the economy, putting the U.S. in
- [Tesla added to the S&P 500 and brings with it unwanted volatility](https://futurewealthllc.com/tesla-added-to-the-sp-500-and-brings-with-it-unwanted-volatility/) - On Monday Dec 21, 2020, Tesla will officially join the S&P 500. Its inclusion into the index will prompt dozens of index funds and ETFs that track the index, into buying the stock, whether they like it or not. On Friday this week, in the last 10 minutes of trading, Tesla's stock price spiked 10%
- [What else can go wrong in the next 10 days?](https://futurewealthllc.com/what-else-can-go-wrong-in-the-next-10-days/) - After another week of bizarre behavior from the President that brought scenes that harken back to those only seen in disorderly regimes, one wonders what else is left in his Presidency? With his legacy tarnished beyond repair and bringing to an end, by all counts, the most denigrating four years in American history by any
- [Stock Market outlook for 2021](https://futurewealthllc.com/stock-market-outlook-for-2021/) - It is a tradition around this time of year to make predictions about what stock market holds for investors in the following 12 months. These predictions garner a lot of attention and many investors take the top stock picks by the pundits seriously, and when markets open, these names tend to see a lot of
- [National Debt Surpasses $40 Trillion](https://futurewealthllc.com/national-debt-surpasses-40-trillion/) - Treasury data released this week shows that U.S. national debt now stands at $40 trillion, with the government now expected to spend more than $1 trillion in interest on the debt in the fiscal year of 2026. Rising debt means higher yields, which can mean pricier mortgages, slower hiring, and weaker stocks. In a surprise
- [Blowout earnings from NVidia does little to the stock market](https://futurewealthllc.com/blowout-earnings-from-nvidia-does-little-to-the-stock-market/) - Wall Street ended the week in the green, as investors digested blockbuster Nvidia earnings, policy signals from the Jackson Hole symposium, and the latest U.S. GDP print. Nvidia took center stage, reporting Q2 revenue of $96.2B, a 106% year-over-year increase. Nvidia's CEO Jensen Huang defended the chipmaker’s growing financial support for the AI ecosystem, saying
- [Strong Q2 EarningsTake the Market Higher](https://futurewealthllc.com/strong-q2-earningstake-the-market-higher/) - Wall Street finished the week higher, with both the Dow and the S&P 500 hitting fresh all time highs as investors digested key earnings from SpaceX and Palantir Technologies alongside the latest payrolls data. Shares of SpaceX jumped over 20% on the week after the newly public company reported Q2 GAAP EPS of -$0.09, beating estimates
- [S&P 500 hits all time highs](https://futurewealthllc.com/sp-500-hits-all-time-highs/) - Earnings resilience supported the market this week with nine of 10 major S&P 500 companies beating consensus EPS estimates, and eight beating revenue expectations. Broadening of the market also helped push the S&P 500 to a record high with nine of 11 S&P sectors finishing the week higher, with strength extending beyond technology into energy, utilities,
- [Message from the bond market to the Fed - don’t try that again](https://futurewealthllc.com/message-from-the-bond-market-to-the-fed-dont-try-that-again/) - Major indexes closed higher this week as Big Tech earnings and the Federal Reserve's policy decision took center stage. The Fed kept interest rates unchanged for a fifth consecutive meeting, though three policymakers dissented in favor of a hike. Microsoft delivered a standout quarter, with Azure cloud revenue up 43% year-over-year and full-year segment revenue
- [Tariffs are back but no one cares](https://futurewealthllc.com/tariffs-are-back-but-no-one-cares/) - Markets have been dominated by a collision of geopolitical, energy, and monetary policy forces, with oil prices serving as the central transmission mechanism into equities, bonds, and inflation expectations. Oil and the Iran conflict remain the primary catalyst. Escalating Middle East tensions pushed oil above $100 per barrel for the first time since May, its
- [It's TACO Tuesday once again!](https://futurewealthllc.com/its-taco-tuesday-once-again/) - Inflation data surprised to the downside, shifting the rate narrative. Consumer Price Index(CPI) came in at 3.8%, a drop from 4.2% last month signaling that inflation pressures are easing, even as energy volatility remains a wildcard. In just 24 hours, on another Tuesday, Donald Trump reversed his threat to potentially violate international law by demanding
- [Earnings Season Begin with All Eyes on the Major Banks](https://futurewealthllc.com/earnings-season-begin-with-all-eyes-on-the-major-banks/) - Wall Street wrapped up a mixed week as Middle East tensions flared after Trump declared the Iran ceasefire over—while announcing that the U.S. has agreed to continue talks with Tehran and is imposing fresh sanctions on the regime, even as fighting has resumed with neither side showing signs of compromise. Iran’s state media declared the Strait
- [Outlook for 2H: 2026](https://futurewealthllc.com/outlook-for-2h-2026/) - Wall Street ended the week higher as investors looked past weakness in the labor market. The June jobs report showed the U.S. economy added just 57K jobs, well below expectations, while the unemployment rate unexpectedly edged down to 4.2%. The softer payrolls number scaled back expectations for a Fed rate hike this year and increased
- [Tech Sell Off hits markets hard](https://futurewealthllc.com/tech-sell-off-hits-markets-hard/) - Wall Street’s major averages ended the week with losses due to an extended selloff in semiconductor stocks and other big tech names. Among the top decliners this week were ON Semiconductor - down almost 30%; Western Digital - down 23.1%; Arm Holdings - down almost 20%; and Seagate Technology - down 19.1%. After the highly
- [The week that the War ended](https://futurewealthllc.com/the-week-that-the-war-ended/) - Wall Street finished a holiday shortened week higher as investors balanced optimism over a US - Iran peace agreement against a more hawkish debut from Federal Reserve Chairman Kevin Warsh. The week's biggest market catalyst came from the Middle East. Stocks surged Monday after the U.S. and Iran announced a peace agreement that would reopen the
- [The wealthy keep getting wealthier](https://futurewealthllc.com/the-wealthy-keep-getting-wealthier/) - Wall Street ended the week higher as investors weighed the latest inflation data, ongoing developments in Middle East diplomacy, and the strong debut of SpaceX. U.S. inflation accelerated in May, with the consumer price index rising 4.2% from a year earlier, increasing from April’s 3.8% annual rate. Energy costs drove much of the increase as
- [Strong jobs reports kills prospects of interest rate cut](https://futurewealthllc.com/strong-jobs-reports-kills-prospects-of-interest-rate-cut/) - Wall Street ended the week on a sour note as investors digested a stronger than expected May jobs report sending stocks lower. The U.S. labor market showed unexpected strength in May as payrolls increased by 172,000, more than economists’ forecasts of $88,000, while the unemployment rate held steady at 4.3%. The even stronger surprise was
- [Sell in May and Go Away](https://futurewealthllc.com/sell-in-may-and-go-away/) - Wall Street finished the week on top with all three major averages advancing as investors weighed signs of easing geopolitical tensions in the Middle East, a softer than expected inflation reading, and strong corporate earnings that reinforced optimism around AI driven growth. President Donald Trump said a framework to end the conflict with Iran and
- [Market hitting new highs when consumer sentiment hits new lows](https://futurewealthllc.com/market-hitting-new-highs-when-consumer-sentiment-hits-new-lows/) - Wall Street ended the week higher, though investors navigated sharp swings tied to Treasury yields, Middle East tensions, and another pivotal Nvidia earnings report. Early in the week, concerns about an inflationary shock tied to the Middle East conflict pushed Treasury yields higher and pressured equities. The 30-year Treasury yield climbed above 5.18% at one
- [No Peace Deal in Sight](https://futurewealthllc.com/no-peace-deal-in-sight/) - Wall Street finished the week sharply higher as investors weighed a stronger-than-expected jobs report, upbeat semiconductor earnings, and escalating geopolitical tensions in the Middle East. The Jobs report reflected an increase of 115K jobs in April, surpassing consensus estimate of 63K. Meanwhile, the unemployment rate held steady at 4.3%, signaling continued resilience in the labor market
- [Stock Market Rally Running on Fumes](https://futurewealthllc.com/stock-market-rally-running-on-fumes/) - Wall Street ended the week mostly unchanged as investors weighed persistent inflation pressures, surging Treasury yields, and Trump’s visit to China, which concluded without major breakthroughs. Underlying inflation pressures increased in April as the Consumer Price Index (CPI) rose to 3.8%, highlighting core inflation pressures across the economy. That was followed by the Producer Price Index
- [Trump Abandons Iran and Shifts Focus to Cuba](https://futurewealthllc.com/trump-abandons-iran-and-shifts-focus-to-cuba/) - The stock market closed the week higher as markets digested a barrage of strong earnings reports from Big Tech firms while weighing the Federal Reserve's divided policy decision and fresh uncertainty around global oil supply. The Fed was in the spotlight after keeping its policy rate unchanged at 3.50%-3.75% for a third straight meeting, citing
- [Trump Delivers TACOs on Tuesday Once Again](https://futurewealthllc.com/trump-delivers-tacos-on-tuesday-once-again/) - Wall Street’s major averages ended the week with the S&P 500 and the Nasdaq hitting new highs as the conflict in the Middle East continued while oil prices rose. On Tuesday, Trump said the U.S. would extend its ceasefire with Iran until a coordinated plan for an end to the war, which would include Israel,
- [The Strait of Hormuz is Open. No! It's closed again.](https://futurewealthllc.com/the-strait-of-hormuz-is-open-no-its-closed-again/) - Wall Street’s major averages posted big weekly gains, surging to new highs for three consecutive trading days, as positive developments in the Middle East—including a temporary ceasefire deal between the involved countries—raised investors’ enthusiasm. Iran’s regime declared the Strait of Hormuz is “completely open” for all commercial vessels on Friday for the rest of the
- [Inflation hits two year high](https://futurewealthllc.com/inflation-hits-two-year-high/) - Wall Street’s main indexes posted weekly gains this week as investors digested hopes of a ceasefire deal between the U.S. and Israel and Iran’s regime. Meanwhile, oil dropped to around the $100 a barrel mark. Geopolitical tension remained heightened after Trump posted earlier this week that “a whole civilization” would “die tonight, never to be
- [A Speedy End to What?](https://futurewealthllc.com/a-speedy-end-to-what/) - Wall Street ended the trading week higher, as investors balanced a stronger than expected March jobs report with rising geopolitical tensions that pushed oil prices sharply higher. Oil futures surged to an intraday peak of $113.97 per barrel on Thursday, as Wall Street weighed the implications of President Donald Trump’s national address alongside escalating developments
- [Trump becomes Baghdad Bob](https://futurewealthllc.com/trump-becomes-baghdad-bob/) - Wall Street ended lower on the week as elevated US - Iran tensions remained in focus—with officials signaling the conflict could extend several more weeks—while President Donald Trump seems to insist that the war will be over soon. Secretary of State Marco Rubio indicated to G7 foreign ministers that hostilities are expected to persist for
- [TACO Trump feeling isolated](https://futurewealthllc.com/taco-trump-feeling-isolated/) - Wall Street ended the week substantially lower as concerns about the conflict in the Middle East lingered and oil prices stayed higher at around $100 per barrel. Meanwhile, the Federal Reserve announced its decision to keep interest rates unchanged, as widely expected. The Fed cited the uncertainty of the Middle East conflict weighing on the
- [Private Credit facing Prisoner’s dilemma](https://futurewealthllc.com/private-credit-facing-prisoners-dilemma/) - Wall Street closed the trading week lower as investors digested fresh inflation data from the consumer price index report and the ongoing volatility in energy markets remained present with crude oil topping $100 amid US - Iran tensions. Inflation data showed that the consumer price index rose 0.3% month-over-month in February, accelerating from a 0.2%
- [AI Fatigue](https://futurewealthllc.com/ai-fatigue/) - Wall Street closed the trading week lower, as shares of Nvidia came under pressure following its fiscal fourth-quarter results and forward guidance, while a hotter-than-expected Producer Price Index report added to inflation concerns causing the 10-year Treasury yield to slip below 4% for the first time in three months as investors increased bond purchases over the
- [US enters another unnecessary war](https://futurewealthllc.com/us-enters-another-unnecessary-war/) - Wall Street ended the week lower as conflict in the Middle East erupted after Iranian Supreme Leader Ayatollah Ali Khamenei was killed, triggering war escalations between the U.S. and Israel vs. Iran, and uncertainty within oil supply chains. Oil prices rose more than 36% this week, while oil and gas producers, refiners, and energy infrastructure
- [Trump was wrong about tariffs and the Supreme Court agrees](https://futurewealthllc.com/trump-was-wrong-about-tariffs-and-the-supreme-court-agrees/) - he New York Federal Reserve released a report earlier this week that found Americans are eating the majority (90%) of the cost of Trump’s tariffs. They concluded that over the course of 2025, the average tariff rate on U.S. imports increased from 2.6 percent to 13 percent. On Wednesday, President Trump boasted on social media
- [International Markets Outperforming the S&P 500](https://futurewealthllc.com/international-markets-outperforming-the-sp-500/) - Wall Street finished the trading week on a weaker note as investors digested a fresh batch of economic data, including the latest jobs report and Consumer Price Index (CPI) release. The CPI rose 0.2% in January, coming in below the +0.3% consensus estimate putting inflation rate at 2.4%, still above the Fed target of 2%. Meanwhile,
- [Dow hits 50,000 and we say “Thank You”](https://futurewealthllc.com/dow-hits-50000-and-we-say-thank-you/) - Wall Street ended the trading week struggling to come out of the deep technology led selloff earlier in the week, which pushed most of the Magnificent Seven names and some of the top tech companies in the red, despite positive Q4 earnings. The Dow Jones, however, managed to rally on Friday and reached the 50,000
- [Weaker dollar policy drives commodities higher](https://futurewealthllc.com/weaker-dollar-policy-drives-commodities-higher/) - Wall Street ended the trading week in the red as most of the Magnificent Seven stocks reporting earnings did not lift sentiments, contributing to tech trade sell-off. The Federal Reserve hit a pause in its interest rate cutting cycle, and precious metals suffered a rollercoaster of highs before turning lower. The S&P 500 managed to cross
- [US deemed no longer dependable](https://futurewealthllc.com/us-deemed-no-longer-dependable/) - Wall Street closed the trading week lower following a volatile stretch marked by heightened geopolitical uncertainty. Geopolitical developments took center stage after Donald Trump reiterated his interest in Greenland during remarks at the World Economic Forum in Davos, Switzerland. By the end of the week, Trump had backed off annexing Greenland, reversed the tariffs on
- [Trump - The Tariff King Strikes Again](https://futurewealthllc.com/trump-the-tariff-king-strikes-again/) - Wall Street closed the trading week modestly lower, with the S&P 500 remaining within striking distance of the historic 7000 level. Investor attention also focused on key inflation data and the kickoff of earnings season. Core CPI edged slightly below expectations, suggesting modest moderation in consumer inflation, while PPI met forecasts, sending a mixed signal
- [2026 Stock Market Outlook - Uncertainty Abounds](https://futurewealthllc.com/2026-stock-market-outlook-uncertainty-abounds/) - Wall Street closed out the first full trading week of the New Year at record levels on Friday, with the S&P 500 index ending about 34 points shy of the historic 7000 mark. A revival in the tech trade coupled with mixed labor market economic data boosted sentiment and offset geopolitical escalation. Oil prices logged gains for
- [Merry Christmas and Happy New Year from Future Wealth LLC](https://futurewealthllc.com/merry-christmas-and-happy-new-year-from-future-wealth-llc/) - We wish every one of clients and our readers - Merry Christmas and A Happy New Year. The S&P 500 is up 16.2% year to date on the back of 24% return in 2023 and 23% return in 2024. The S&P 500 is now up 78% since the end of 2022. All signs point to the market
- [Fed cuts interest rates but AI trade stalls](https://futurewealthllc.com/fed-cuts-interest-rates-but-ai-trade-stalls/) - It was a strange week on Wall Street with the S&P 500 and the Nasdaq posting losses, while the Dow gained - signaling the first signs of a rotation out of the technology sector .The Federal Reserve’s interest rate decision was offset by a slump in the artificial intelligence trade. On Wednesday, the Fed delivered
- [Future Wealth LLC crosses $75 million in assets under management](https://futurewealthllc.com/future-wealth-llc-crosses-75-million-in-assets-under-management/) - Nine years ago, this company was founded on the premise that there was a need for a different approach to Wealth Management – popular institutions providing Wealth Management and Financial Advisory services were solely focussed on ultra high net worth clients and ignoring those hard working individuals who had scraped together modest 401Ks and savings
- [Unemployment jumps to 4.4%](https://futurewealthllc.com/unemployment-jumps-to-4-4/) - Wall Street posted its worst week since early October on Friday, as Nvidia's blowout quarterly results failed to lift the AI trade and economic data presented a difficult situation for the Federal Reserve. Nvidia easily beat earnings expectations confirming that the AI trade remains robust. The September jobs report showed that employers added 119,000 jobs,
- [“Buy the Dip” rescues a dismal week](https://futurewealthllc.com/buy-the-dip-rescues-a-dismal-week/) - It was a mixed five days for Wall Street. A boost to sentiment from the end of the longest government shutdown and positive trade developments was offset by continued weakness in the AI trade and hawkish comments from Federal Reserve speakers. This week, Cleveland Fed President Beth Hammack and Boston Fed President Susan Collins cautioned
- [Wall Street finally listens](https://futurewealthllc.com/wall-street-finally-listens/) - Wall Street closed out a volatile week lower fueled by worries about the AI trade and valuations.The pullback followed weeks of record highs and light data flow amid the prolonged government shutdown. Sentiment across the country is close to the lowest it has ever been as rising inflation, rising unemployment, mass firings, a global trade
- [Stock market is increasingly detached from the economy](https://futurewealthllc.com/stock-market-is-increasingly-detached-from-the-economy/) - Wall Street closed out October with a six month positive run, underscoring the market's remarkable recovery from April's lows. Sentiment this week was lifted by big tech earnings and positive trade developments, along with another interest rate cut by the Federal Reserve. However, Fed Chair Jerome Powell dampened the mood a little by throwing a
- [Inflation climbs but the rally goes on](https://futurewealthllc.com/inflation-climbs-but-the-rally-goes-on/) - Wall Street on Friday posted its best week since early August, driven by a combination of strong earnings and optimism over trade relations between the U.S. and China. Most attention, however, was on the consumer price index (CPI) report for September - inflation rose to 3% but was less than the 3.1% expected. That reinforced
- [And the stock market rally goes on..](https://futurewealthllc.com/and-the-stock-market-rally-goes-on/) - Wall Street on Friday advanced more than 1% for the week, with the S&P 500 index hitting 6700 points for the first time ever, as traders shrugged off concerns over the U.S. government shutdown and its effect on economic data. One of the biggest casualties of the shutdown was the jobs report due Friday, which
- [Gold wins as stocks tumble](https://futurewealthllc.com/gold-wins-as-stocks-tumble/) - The stock market on Friday slumped to their worst week since late May. The decline was primarily driven by a sharp sell off on Friday, triggered by the resurgence of trade war concerns. Heading into Friday, the S&P 500 was actually positive for the week and was fresh off another record close, achieved on Wednesday.
- [Investors remain bullish, but yellow flag is waving](https://futurewealthllc.com/investors-remain-bullish-but-yellow-flag-is-waving/) - It was a topsy-turvy week for Wall Street, though the three major averages managed to post solid gains.There was ongoing trade tensions between the U.S. and China, a government shutdown that shows no sign of ending, the start of the third quarter earnings season, and a scare over the health of regional banks. The focus
- [Is the economy strong or weak?](https://futurewealthllc.com/is-the-economy-strong-or-weak/) - Wall Street snapped a three week win streak on Friday, despite the central bank delivering its first rate cut in nearly nine months, citing increased downside risks to the labor market. The final estimate of Q2 GDP growth was revised up to an annual rate of 3.8% from 3.3%, primarily due to increased consumer spending.
- [Fed’s Math does not add up](https://futurewealthllc.com/feds-math-does-not-add-up/) - Wall Street on Friday notched a three week win streak after investors finally received an interest rate cut from the Federal Reserve. Stocks still ended lower on Wednesday but recovered, and that was largely due to Fed Chair Jerome Powell's comments during the press conference where called the 25 bps cut a "risk management" move,
- [Interest Rate Cut Arrives](https://futurewealthllc.com/interest-rate-cut-arrives/) - On Thursday, the headline August consumer price index (CPI) came in hotter than expected. CPI advanced to 2.9%, the largest increase since January, after climbing 2.7% in July. Consumer prices increased by the most in seven months in August amid higher costs for housing and food. Applications for US unemployment benefits jumped last week to
- [Labor Market is Cracking](https://futurewealthllc.com/labor-market-is-cracking/) - Wall Street ended the week mixed as hopes of more aggressive Fed easing this year were balanced with concerns about a recession as the weakness in the labor market. On Friday, the August jobs report showed an anemic 22K rise in payrolls last month, while revisions showed the economy actually lost jobs in June. The
- [Tariffs continue to mount](https://futurewealthllc.com/tariffs-continue-to-mount/) - Wall Street on Friday notched a marginal loss for the week, but during the week, the S&P 500 achieved the 19th and 20th record close this year. Nvidia, the world's largest chipmaker, highlighted the week with its quarterly report. Despite its results indicating that the artificial intelligence spending boom was still accelerating, the company missed
- [US Economy is Bending](https://futurewealthllc.com/us-economy-is-bending/) - Wall Street on Friday posted its best week since late June, driven by a combination of a rebound from a weak July jobs report, a surge in tech stocks, a solid batch of quarterly earnings, and hopes of a truce between Russia and Ukraine. It’s as if nothing happened. A week ago, the President fired
- [Tariffs make their impact known](https://futurewealthllc.com/tariffs-make-their-impact-known/) - Wall Street on Friday made solid gains for the week, helped by raised expectations for the Federal Reserve interest rate cut in September. July core consumer price index (CPI) came in at 2.7%, unchanged from June while the producer price index (PPI) readings were significantly higher than expected increasing by 0.9% from a month ago
- [Bad news should not be good news](https://futurewealthllc.com/bad-news-should-not-be-good-news/) - Wall Street this week was headed for a solid loss, weighed down by a rout in technology stocks and disappointing retail earnings. However, a dovish signal from Federal Reserve chair Jerome Powell on Friday at the annual Jackson Hole Economic Policy Symposium sparked a big rally, helping the S&P 500 eke out gains for the
- [Expect Interest Rate Cut in September](https://futurewealthllc.com/expect-interest-rate-cut-in-september/) - Wall Street on Friday suffered its worst week since late May, as investors who had driven stocks to record highs faced a reality check in a combination of trade developments, weak economic data, and concerns over the independence of federal organizations. The roller coaster ride for equities began with the conclusion of the Federal Reserve's
- [Trade Progress Drive Markets Higher](https://futurewealthllc.com/trade-progress-drive-markets-higher/) - Wall Street wrapped up a strong week with the S&P 500 index notching its 14th record close of the year at 6,388.64 points. Sentiment was boosted by positive trade developments and solid quarterly reports. Trump announced a "massive deal" with Japan on Tuesday. As per the agreement, Japan has agreed to invest $550B in the
- [Tariffs starting to bite](https://futurewealthllc.com/tariffs-starting-to-bite/) - U.S. stocks witnessed a positive week, with the S&P 500 index and the Nasdaq notching more record highs. A solid start to the second quarter earnings season and favorable economic data helped buoy sentiment and offset concerns about tariffs and Federal Reserve independence. Economists have long warned of collateral damage from Donald Trump’s trade war,
- [Markets are looking for direction](https://futurewealthllc.com/markets-are-looking-for-direction/) - Wall Street on Friday ended largely flat as the markets digested an escalating conflict between Israel and Iran and the Federal Reserve's monetary policy decision of the year. The fighting between Israel and Iran intensified this week, with both countries targeting each other with waves of missile strikes. Markets started getting jittery on the expectation
- [Trade War rhetoric is tiring](https://futurewealthllc.com/trade-war-rhetoric-is-tiring/) - Wall Street on Friday ended the week slightly lower, as sentiment was dented by trade war escalation. Still, U.S. stocks are at record levels, and the benchmark S&P 500 index this week posted a new intraday high of 6290.22 points. Donald Trump's tariff moves once again dominated headlines. The President issued letters to several countries
- [Looking ahead to 2H of 2025](https://futurewealthllc.com/looking-ahead-to-2h-of-2025/) - Wall Street was driven by trade deals and a surprisingly strong June jobs report this week. On Monday, the S&P 500 index topped 6,200 points for the first time ever, ending a tumultuous and turbulent first half of 2025 on a high with a 5.5% advance. Donald Trump announced a trade deal with Vietnam on
- [Markets are getting frothy](https://futurewealthllc.com/markets-are-getting-frothy/) - Wall Street on Friday posted its best week since mid May. The S&P 500 index notched a new intraday peak and record close for the first time since February. The Nasdaq Composite also achieved both those milestones for the first time since December last year. The sentiment was driven by the end of a 12
- [Markets were getting back on track until a war broke out](https://futurewealthllc.com/markets-were-getting-back-on-track-until-a-war-broke-out/) - Wall Street on Friday plummeted, giving up all its gains for the week and ending in the red. The decline was due to a sharp escalation between Israel and Iran, with both countries trading missile strikes and stoking concerns of a war in the Middle East. There are real concerns that this war could escalate
- [What Unconventional Wisdom Guides Your Analysis?](https://futurewealthllc.com/what-unconventional-wisdom-guides-your-analysis/) - Seek Great Businesses at Fair Prices Most investors are either chasing hot stocks or looking for cheap stocks. The one bit of wisdom that shapes my stock picking is from Charlie Munger: "A great business at a fair price is superior to a fair business at a great price." That captures the essence of how
- [Tax cut kicks the “deficit can” down the road](https://futurewealthllc.com/tax-cut-kicks-the-deficit-can-down-the-road/) - An economy facing possible indigestion from big increases in tariffs now is contending with a second headwind: potential fallout from a rise in government borrowing costs. Earlier this week, Moody’s downgraded the United States’ credit rating, stripping the United States of its Aaa rating. This downgrade is more than a technical market event; it represents
- [Tariff de-escalation with China powers the market ahead](https://futurewealthllc.com/tariff-de-escalation-with-china-powers-the-market-ahead/) - Wall Street on Friday closed out a solid week of gains on a high note, with the S&P 500 index reclaiming the 6,000 points level for the first time since late February. After tensions between the U.S. and China escalated following Trump's accusation that China had violated a temporary trade truce, they held a phone
- [An uncomfortable rally in the markets](https://futurewealthllc.com/an-uncomfortable-rally-in-the-markets/) - Wall Street on Friday posted its best monthly advance since November 2023. The benchmark S&P 500 index soared 6.2% for May, as markets recovered from Donald Trump's tariff shock delivered on "Liberation Day" in April. In terms of economic data, the highlights of the week were an upward revision to the second estimate of the
- [Hoping for a good ending to a bad movie](https://futurewealthllc.com/hoping-for-a-good-ending-to-a-bad-movie/) - Markets enjoyed a nine day rally this week, before pausing amid mixed signals around tariffs and earnings. While certain sectors continue to show strength, global trade relations present a complex picture, with both advancements and ongoing tensions. Wall Street on Friday ended marginally lower for the week. The Fed's monetary policy committee on Wednesday kept
- [First of the tariffs to hit consumers soon](https://futurewealthllc.com/first-of-the-tariffs-to-hit-consumers-soon/) - Wall Street on Friday notched its best week in over a month, with sentiment almost single handedly being lifted by a surprise U.S. and China trade deal. On Monday, the US and China reached an agreement under which they agreed to significantly reduce their extremely high tariff rates against each other. Investors cheered the move,
- [When the tweets stop, markets returns to normalcy](https://futurewealthllc.com/when-the-tweets-stop-markets-returns-to-normalcy/) - Wall Street closed out a strong week on a historic note, with the S&P 500 index on Friday notching a nine day win streak—its longest such run since November 2004. Sentiment was boosted by some solid quarterly earnings and positive rhetoric on tariffs and trade, including signs that U.S. and China relations were thawing. In
- [The Embrassment - Vladimir, STOP!](https://futurewealthllc.com/the-embrassment-vladimir-stop/) - Wall Street powered to its second best weekly advance of 2025 on Friday, with the S&P 500 jumping nearly 5%. After wobbling on Monday, markets staged a four day rally as sentiment was boosted by Donald Trump significantly dialing back his aggressive rhetoric against Federal Reserve Chair Jerome Powell and China. On the economic front,
- [First clear signs of the impact of tariffs](https://futurewealthllc.com/first-clear-signs-of-the-impact-of-tariffs/) - he S&P 500 index has now notched seven negative weeks out of nine, as tariff developments continue to sour sentiment. The U.S. and China's trade war continued to heat up after chipmakers Nvidia and AMD disclosed billions in inventory write offs due to the tariffs. The updates, along with a weak quarterly bookings performance by
- [Looking Beyond the Tariffs](https://futurewealthllc.com/looking-beyond-the-tariffs/) - Tariff developments continued to dominate headlines. On Wednesday, Donald Trump announced a 90 day pause on most reciprocal tariffs except for those against China. Trump's move led to one of the most explosive single session rallies in Wall Street history. The S&P soared more than 9% to log its best intraday performance since the financial
- [Trump throws Wall Street into a bear market](https://futurewealthllc.com/trump-throws-wall-street-into-a-bear-market/) - It was a historic week for Wall Street - but not in a good way. Donald Trump's sweeping reciprocal tariffs announcement on "Liberation Day" resulted in the biggest rout in U.S. stocks since the market crash of COVID-19 in 2020. The S&P 500 index cratered more than 9% this week alone, and now sits deep
- [Is the Fed gaslighting the public?](https://futurewealthllc.com/is-the-fed-gaslighting-the-public/) - On Friday, the core personal consumption expenditures index (PCE), the preferred inflation gauge of the Federal Reserve, rose 0.4% on the month, hotter than the 0.3% estimate, with an annual increase of 2.8%, above the 2.7% estimate. This follows on the heels of Chairman Jerome Powell‘s comment last week that tariff induced inflation will be “transitory”. Wall
- [First sign of a crack?](https://futurewealthllc.com/rising-inflation/) - It was a week dominated by Donald Trump's announcements on tariffs. On Monday, he announced 25% levies on all steel and aluminum imports into the U.S. On Thursday, he signed a memorandum that tasked his administration with investigating current trade relations and proposing reciprocal tariffs on a country specific basis. Still, the fact that the president
- [Fed deems tariffs as “transitory”](https://futurewealthllc.com/fed-deems-tariffs-as-transitory/) - Wall Street on Friday managed to snap a four week losing streak, with the S&P 500 just about making it into positive territory after ending in correction territory last week.The Federal Reserve played a big role in helping the S&P's weekly advance. The central bank held interest rates steady, but lowered GDP projections and raised
- [Trump sends the markets into correction territory](https://futurewealthllc.com/trump-sends-the-markets-into-correction-territory/) - Donald Trump is escalating his global trade war, issuing increasingly wild threats as targets from China to Canada and Europe retaliate with tariffs of their own rather than retreat. In the meantime, the resulting chaos has driven the S&P 500 into a correction. Nasdaq is already in a correction. Correction is defined as >10% decline
- [Out of Control](https://futurewealthllc.com/out-of-control/) - Tariff uncertainties and mixed economic data slammed sentiment this week. Donald Trump’s back-and-forth over tariffs against Canada and Mexico has stoked confusion in traders. Markets have now given up all the gains sparked by Trump’s election victory in November last year. In terms of economic data, tariff impacts showed up significantly in January’s trade numbers. A
- [Brace for a correction in the markets](https://futurewealthllc.com/brace-for-a-correction-in-the-markets/) - Earlier this week, Trump affirmed that the previously announced 25% tariffs on Canada and Mexico would go into effect on March 4. Then followed it up by saying that “China will likewise be charged an additional 10% tariff on that date”. The new tariff would be applied on top of an existing 10% duty imposed
- [Time to get more cautious](https://futurewealthllc.com/time-to-get-more-cautious/) - Wall Street on Friday slipped to a loss for the week, as sentiment took a hit due to weak economic data, another Federal Reserve signal that there would be no more interest rate cuts, tariff developments, and weak guidance from Walmart. Donald Trump continued to garner headlines - On Tuesday, he said he would announce
- [Market is looking past Trump](https://futurewealthllc.com/market-is-looking-past-trump/) - Trump dominated headlines this week with his tariff moves. Last weekend, a 25% tariff on Canada and Mexico went into effect, but both North American nations showed a willingness to work with Trump, leading to a delay in the implementation of the tariffs. Trump also approved a 10% tariff on Chinese goods. China, in stark
- [Land of Confusion](https://futurewealthllc.com/land-of-confusion/) - Wall Street closed out a tough week on Friday with a 1% retreat, but overall, for the month of January, it was a positive story with an advance of nearly 3%. On Wednesday, the central bank maintained its key policy rate unchanged after three straight rate cuts to end 2024. Fed chair Jerome Powell noted
- [To be or Not to be](https://futurewealthllc.com/to-be-or-not-to-be/) - Wall Street on Friday closed out a strong week that saw the S&P 500 notch its first record closing high of the year. The event of the week was no doubt President Donald Trump's inauguration on Martin Luther King Jr. Day. He immediately signed a slew of decrees, many of them undoing or targeting actions
- [Banks set the stage for a strong January](https://futurewealthllc.com/banks-set-the-stage-for-a-strong-january/) - Wall Street on Friday surged to its best weekly performance since the post-election rally in November 2024. After a topsy turvy December and a rocky start to the new year, the bulls came roaring back over the past couple of days. Wednesday, in particular, saw the three major averages post their best intraday advance since
- [When Good News for the Economy is Bad News for Stocks](https://futurewealthllc.com/when-good-news-for-the-economy-is-bad-news-for-stocks/) - Markets were shut on Thursday for a national day of mourning for former U.S. President Jimmy Carter. On Friday, a better than expected job openings reading for November 2024, along with a significantly stronger than anticipated nonfarm payrolls report for December 2024, suggested that the labor market had once again become highly resilient after showing
- [A Recap of 2024 and Look Ahead to 2025](https://futurewealthllc.com/a-recap-of-2024-and-look-ahead-to-2025-2/) - 2025 began with the S&P 500 index ending lower in a holiday shortened week as Wall Street's bull run lost some steam. After hefty yearly gains in 2024 with the S&P 500 returning 23.3%, investors took some money off the table. Additionally, uncertainty over the economic effects of President elect Donald Trump's policies and the path
- [A Recap of 2024 and Look Ahead to 2025](https://futurewealthllc.com/a-recap-of-2024-and-look-ahead-to-2025/) - 2025 began with the S&P 500 index ending lower in a holiday shortened week as Wall Street's bull run lost some steam. After hefty yearly gains in 2024 with the S&P 500 returning 23.3%, investors took some money off the table. Additionally, uncertainty over the economic effects of President elect Donald Trump's policies and the path
- [Happy Holidays from Future Wealth LLC](https://futurewealthllc.com/happy-holidays-from-future-wealth-llc-2/) - To all our clients and readers of this newsletter – Happy Thanksgiving and Seasons Greetings. It has been a unpredictable year for investors with the high volatility in the markets but with inflation down to 2.6% and election uncertainty behind us, the stock market has responded positively going into December. The S&P 500 is up
- [Is it all too good to be true?](https://futurewealthllc.com/is-it-all-too-good-to-be-true/) - Wall Street posted a three week win streak on Friday, propelled by strengthened expectations for another interest rate cut by the Federal Reserve at its final monetary policy committee meeting of the year later this month. This week was marked by a big milestone: the S&P 500 surged past 6,100 points in a historic first,
- [15 Unique Approaches to Acquiring Customers for Your Startup](https://futurewealthllc.com/15-unique-approaches-to-acquiring-customers-for-your-startup/) - Build Relationships Through Referrals The key to acquiring customers as a wealth-management firm is to build relationships. Most firms waste their money advertising on different social media sites and, in return, get customers who are neither a good fit for the company nor ones who stay with the firm for the long run. The best
- [Avoiding Reversal](https://futurewealthllc.com/avoiding-reversal/) - Wall Street posted its worst weekly performance since the start of September, and has now notched a negative week in three of the last four. Slightly hot consumer and producer inflation data, along with a comment from Federal Reserve chair Jerome Powell on Thursday that suggested the central bank would not be "in a hurry
- [Bitcoin tests the Greater Fool Theory](https://futurewealthllc.com/bitcoin-tests-the-greater-fool-theory/) - Wall Street rebounded from last week's retreat with a nearly 2% advance over the last five days, and the S&P 500 is now only 0.8% from its record intraday high. It was a week marked by steady gains, geopolitical tensions arising from developments in the ongoing war between Russia and Ukraine, Nvidia's quarterly results, and
- [A Felon in the White House](https://futurewealthllc.com/a-felon-in-the-white-house/) - One of the most pivotal weeks of the year turned out to be records galore for Wall Street - the S&P smashing past the 6,000 point level in a historic first. The Dow Jones Industrial Average notched its 41st and 42nd record close of the year while also taking out the 44,000 point level for
- [Entering a November like no other](https://futurewealthllc.com/entering-a-november-like-no-other/) - Wall Street's bull run took another hit this week, due to a mixed bag of quarterly results from Alphabet, Microsoft, Meta Platforms, Apple, and Amazon. Investors were unhappy with Microsoft's soft Azure cloud revenue growth guidance and Meta's heavy artificial intelligence focused capital expenditure plans. Meanwhile, Apple missed quarterly revenue consensus estimates in a key
- [A slow grind amidst mixed messages](https://futurewealthllc.com/a-slow-grind-amidst-mixed-messages/) - The S&P halted its longest weekly win streak of the year, the Dow Jones slumped for the week, while the Nasdaq got a boost from Tesla. The S&P and Dow were dragged down by disappointing quarterly performances from industrial giants such as GE, 3M, Honeywell, Boeing, and a slide in McDonalds. The earnings season shifts
- [Earnings Blowout?](https://futurewealthllc.com/earnings-blowout/) - The benchmark S&P 500 index on Friday notched a six-week win streak, its longest weekly advance of 2024. It also notched its 46th and 47th record close of the year. Meanwhile, it was a historic week for the Dow Jones Industrial Average which surpassed the 43,000 points mark for the first time ever while posting
- [Market is flashing 21-21-21](https://futurewealthllc.com/market-is-flashing-21-21-21/) - Wall Street on Friday posted a five-week win streak for the first time since May. The benchmark S&P 500 crossed and ended above the 5,800 points level in a historic first, while the Dow is fast approaching the 43,000 points milestone. Despite Middle East escalation concerns, a hotter than anticipated consumer inflation report, and a
- [Guessing the Fed’s next move](https://futurewealthllc.com/guessing-the-feds-next-move/) - It was a historic week for Wall Street, with the S&P 500 closing above the 5,700 points level for the first time ever. Meanwhile, the Dow surpassed and ended above the 42,000 points mark for the first time ever. The advance was driven by what was undoubtedly the most important event of the week,
- [There is no alternative (TINA)](https://futurewealthllc.com/there-is-no-alternative-tina/) - The S&P 500 fell marginally on Friday but ended higher for the week after recording gains in three out of five sessions aided by strong macro data. The Dow Jones Industrial Average posted its 32nd record close for the year on Friday as the latest inflation data indicated further price cooling in August, lifting expectations
- [Consumer is king](https://futurewealthllc.com/consumer-is-king/) - Friday's payrolls report showed the addition of 254K jobs in the U.S. in September, significantly higher than the 132K consensus. The data pointed to strong hiring in the labor market and led to investors dialing back their expectations for another large 50 basis point interest rate cut by the Federal Reserve in November to zero.
- [Future Wealth LLC crosses $50 million in assets under management](https://futurewealthllc.com/future-wealth-llc-crosses-50-million-in-assets-under-management/) - Eight years ago, this company was founded on the premise that there was a need for a different approach to Wealth Management - popular institutions providing Wealth Management and Financial Advisory services were solely focussed on ultra high net worth clients and ignoring those hard working individuals who had scraped together modest 401Ks and savings accounts.
- [A good week awaits the economy](https://futurewealthllc.com/a-good-week-awaits-the-economy/) - The S&P 500 on Friday rebounded from its worst week of the year to post its best week of the year. It was also the first time since June 2022 that the benchmark index fell at least 4% in one week and then rallied more than 4% the next. Last week's selloff had been driven
- [Time to go shopping](https://futurewealthllc.com/time-to-go-shopping/) - The S&P 500 on Friday plunged to its worst weekly performance since early March last year, driven by concerns over economic growth after a slew of soft data during the week, especially on the labor market. That, coupled with historical September weakness, led to a gloomy atmosphere and heavy selling. The hotly anticipated August jobs
- [Future Wealth LLC introduces Hedge Funds and Private Equity access to its clients](https://futurewealthllc.com/future-wealth-llc-introduces-hedge-funds-and-private-equity-access-to-its-clients/) - Alternative investments such as Private Equity, Multi Strategy Hedge Funds and Private Credit have long been inaccessible to the average investor. Future Wealth’s clients now have access to a growing list of private investments that provide more diversification and reduce volatility to their portfolio of public market securities. Here is how the process of owning hedge funds
- [The Fed Restores Order](https://futurewealthllc.com/the-fed-restores-order/) - The U.S. stock market finished sharply higher Friday, sparked by Federal Reserve Chair Jerome Powell's strongest signal yet that interest rate cuts are coming. "The time has come for cuts," Powell said at the Jackson Hole Economic Symposium, increasingly confident that inflation will return to the central bank's 2% target. Recently, signals including a weaker
- [Markets are holding up well](https://futurewealthllc.com/markets-are-holding-up-well/) - This week's economic data on inflation and retail sales, along with upbeat comments from consumer bellwether - Walmart, continued to quell economic slowdown fears and gave investors the confidence to dive back into growth areas. For the week, the S&P climbed 3.9%, the Nasdaq Composite gained 5.3%, and the Dow added 2.9%. A few weeks
- [No Damage Done](https://futurewealthllc.com/no-damage-done/) - What a week it was for Wall Street! Sentiment swung from the depths of negativity at the beginning to the peaks of positivity by the end. The S&P 500 slumped 3% on Monday, posting its worst trading session since September 2022 amid a global selloff, and then followed that up by notching its best day
- [Taking a beating](https://futurewealthllc.com/taking-a-beating/) - The S&P 500 on Friday notched a three week losing streak for the first time since mid April. The Nasdaq, suffered an even steeper weekly decline and has ended up in correction territory. A combination of disappointing quarterly reports from members of the "Magnificent 7" club, soft readings on U.S. manufacturing and construction spending and
- [A correction in motion](https://futurewealthllc.com/a-correction-in-motion/) - The S&P 500 on Friday ended a wild week nearly 1% lower, primarily due to a continued selloff in technology stocks. The technology sector has now slumped more than 7% in two weeks. Meanwhile, the rotation trade has continued, with the small caps, up more than 3%. Eyes now turn to the Federal Reserve's latest
- [The Market unwind has begun](https://futurewealthllc.com/the-market-unwind-has-begun/) - Wall Street posted its worst week since mid April, as a rotation out of technology stocks sparked by last Thursday's consumer inflation report continued over the past few days. The primary driver of this week's loss in the S&P 500 was a continued rotation out of technology stocks. The unwinding of the "tech trade" was
- [The Rate Cut is Here](https://futurewealthllc.com/the-rate-cut-is-here/) - The S&P 500 index posted a two week win streak on Friday. Its torrid run has seen it notching gains in 10 out of 12 weeks dating back to the end of April. Remarks by Federal Reserve chair Jerome Powell on Capitol Hill hinting at interest rate cuts, along with a June consumer price index
- [Is it time to rotate?](https://futurewealthllc.com/is-it-time-to-rotate/) - The S&P 500, on Friday, snapped a three week win streak, but the bigger story was the benchmark index closing out the first six months of 2024 with a whopping 14.5% advance. The stellar H1 2024 performance that saw the S&P go on a record breaking spree was largely driven by a blistering rally in
- [How Do You Pivot Portfolio Strategies in Volatile Markets?](https://futurewealthllc.com/how-do-you-pivot-portfolio-strategies-in-volatile-markets/) - Coming out of the pandemic, we had to respond to the market volatility caused by rising inflation. This prompted us to pivot from a growth strategy to a value strategy across all our client portfolios. The S&P 500 dropped 19% in 2022, but our clients were protected from the pivot earlier that year.
- [How Do Unique Investment Strategies Benefit Client Portfolios?](https://futurewealthllc.com/how-do-unique-investment-strategies-benefit-client-portfolios/) - Customize Portfolios to Match Risk Profiles Every individual's risk profile is different, even among those who live in the same household, i.e., husband and wife. At Future Wealth LLC, we provide customized portfolios for every client. Jay Srivatsa, CEO, Future Wealth LLC https://wealthmanagers.io/qa/how-do-unique-investment-strategies-benefit-client-portfolios/
- [The big slowdown](https://futurewealthllc.com/the-big-slowdown/) - The S&P 500 kicked off the second half of 2024 with its best weekly performance since late April. The advance was driven by labor market data that has supported the case for Federal Reserve interest rate cuts. The S&P is now within striking distance of the 5600 level and is close to topping the year
- [Pay day from Wall Street](https://futurewealthllc.com/pay-day-from-wall-street/) - The S&P 500 posted a three week win streak on Friday, though Wall Street's bull market stalled on Thursday and Friday. The biggest highlight of the week was chipmaker Nvidia becoming the world's largest publicly listed firm by market capitalization. For the week, the S&P added 0.6%, while the Dow climbed 1.5%. The Nasdaq was
- [Sticking with the plan](https://futurewealthllc.com/sticking-with-the-plan/) - The S&P 500 on Friday notched its best weekly advance in over a month, primarily on the back of surprisingly soft inflation data. The headline consumer price index for May came in flat in what was its first unchanged reading since July 2022. The consumer inflation data ended up overshadowing the other major event of
- [When good news is bad news](https://futurewealthllc.com/when-good-news-is-bad-news/) - Stock indexes fell slightly on Friday but still finished higher for the week after U.S. payrolls rose much more than expected in May, dimming hopes for interest rate cuts any time soon. Employers added 272,000 new jobs, while average hourly earnings over the past 12 months ticked higher after three straight monthly declines. The jobs
- [Two Track Stock Market](https://futurewealthllc.com/two-track-stock-market/) - Economic growth has cooled noticeably in recent quarters. GDP growth clocked in with an impressive 4.9% reading in the Q3 2023. In the fourth quarter, growth fell to 3.4% before being chopped more than half to 1.6% in the preliminary reading of Q1 2024. In addition, inflation has been stubbornly 'sticky' so far in 2024
- [Is it time to cut interest rates?](https://futurewealthllc.com/is-it-time-to-cut-interest-rates/) - After a five week win streak, the S&P 500 logged its first weekly decline marking an end to an eventful May. On Friday, the Federal Reserve's preferred inflation gauge, the core PCE Price Index, met consensus for April despite a bigger than anticipated easing in consumer spending growth. A renewed bout of volatility gripped US
- [What can go wrong?](https://futurewealthllc.com/what-can-go-wrong/) - An eventful five trading days for Wall Street saw the S&P 500 post back to back weekly gains. The Federal Reserve helped with a much more dovish than expected stance at its latest monetary policy decision on Wednesday. Aside from the central bank, this week also saw one of the busiest stretches of the first
- [Go high in May?](https://futurewealthllc.com/go-high-in-may/) - The S&P 500 on Friday notched a third straight week of gains, and the index has now erased nearly all of its April losses. This week's advance was driven by an uptick in Federal Reserve interest rate cut expectations, primarily on the back of further evidence that the highly resilient U.S. labor market was cooling
- [Dow Crosses 40,000](https://futurewealthllc.com/dow-crosses-40000/) - Wall Street witnessed a record-breaking week, primarily driven by the latest consumer inflation data. On Wednesday, the headline consumer price index (CPI) for April came in at 3.4%, while the core CPI cooled for the first time since October 2023. Following the data, markets were off to the races as investors ramped up their Federal
- [The economics of uncertainty](https://futurewealthllc.com/the-economics-of-uncertainty/) - The benchmark S&P 500 closed out a tough five trading days on Friday with its worst weekly performance in over a year. The decline saw the index slip below the key 5,000 point level for the first time since late February. The escalation tied to the war in Gaza, the potential oil shocks and the
- [The pain of holding treasury bonds](https://futurewealthllc.com/the-pain-of-holding-treasury-bonds/) - After posting its worst weekly performance in over a year last week, the S&P 500 rebounded this week to score its best performance since October 2023. The rise was primarily driven by a surge in technology stocks and other growth sectors, anchored by favorably received quarterly reports from Microsoft and Alphabet. For the week, the S&P
- [Inflation is sticking around](https://futurewealthllc.com/inflation-is-sticking-around/) - The S&P 500 fell nearly 2% from Monday through Friday this past week, and in the process, it posted its worst weekly performance since late October 2023. The retreat was primarily due to yet another hotter than anticipated consumer price index (CPI) report published on Wednesday which revealed that inflation rose to 3.5%. Investors reacted
- [The Fed is trying to derail the market](https://futurewealthllc.com/the-fed-is-trying-to-derail-the-market/) - Perhaps the last thing impatient investors want to hear was the US Federal Reserve Bank of Minneapolis President Neel Kashkari saying that interest-rate cuts may not be needed this year if progress on lowering inflation stalls—especially if the economy remains robust. The stock market sold off on Thursday following his comments. The benchmark S&P 500 posted
- [Bulls on the Run](https://futurewealthllc.com/bulls-on-the-run/) - Friday marked the end of a stellar first quarter for Wall Street, with the S&P surging ~10% and delivering its best Q1 since 2019. While the markets were closed for Good Friday, fresh data released on Friday reflected that the core personal consumption expenditures price index - the Federal Reserve's favored inflation gauge - showed a
- [Do or Die Moment for the Fed](https://futurewealthllc.com/do-or-die-moment-for-the-fed/) - The S&P 500 on Friday marked its best weekly performance of 2024, snapping a two-week losing streak in the process. Wall Street's bull run was rekindled after the Federal Reserve's meeting on Wednesday. For the week, the S&P 500 advanced +2.3%, the Dow added +2.0%, and the Nasdaq climbed +2.9%. Wall Street celebrated the most
- [Wall Street Can’t Wait](https://futurewealthllc.com/wall-street-cant-wait/) - The S&P 500 fell Friday and posted its second straight weekly loss, with tech stocks particularly feeling the heat as inflation concerns linger ahead of next week's Federal Reserve policy meeting. The Consumer Price Index (CPI) report for February 2024 released on Tuesday this week came in at 3.2%, slightly higher inflation than expected. For the
- [Forgiving the Fed](https://futurewealthllc.com/forgiving-the-fed/) - Stocks rose on Friday, with the S&P 500 and Nasdaq Composite closing at fresh record highs, as tech stocks rallied. Declining Treasury yields also provided a boost, as disappointing factory data and a decline in consumer sentiment solidified expectations for interest rate cuts from the Federal Reserve by this summer. For the week, the Nasdaq
- [The Rising Sun](https://futurewealthllc.com/the-rising-sun/) - Stock markets in the United States, Europe and Japan set record highs this week after Nvidia reported blowout quarterly earnings results and strong guidance after the closing bell on Wednesday. "Insatiable demand" for the company's artificial intelligence chips lifted the stock more than 16%, leading the company to briefly surpass a $2 trillion valuation, and
- [Is it a Bull Market or a Market full of Bull?](https://futurewealthllc.com/is-it-a-bull-market-or-a-market-full-of-bull/) - Stocks fell Friday to end the week in the negative following a second inflation report that sparked concerns the Federal Reserve may cut interest rates later rather than sooner. The January producer price index released Friday rose by a larger than expected 0.3%, while core PPI excluding food and energy prices jumped 0.5%. Earlier in
- [Market has bad breadth](https://futurewealthllc.com/market-has-bad-breadth/) - A surge in mega cap tech stocks helped lift the S&P 500 and Nasdaq Friday, with the S&P holding above the 5,000 level for the first time and extending its record high, after December's revised inflation reading came in lower than first reported. On Friday, market participants earlier received further encouraging data on inflation, after
- [Time for a reality check](https://futurewealthllc.com/time-for-a-reality-check/) - Stocks extended their record setting run on Friday, with the S&P 500 and Dow Jones average setting fresh record closing highs, as a blockbuster jobs report bolstered the outlook for corporate profits. The sizzling US labor market is good news for American workers and President Joe Biden, whose message on the nation’s booming economy may
- [The Roaring Twenties or the Crazy Nineties?](https://futurewealthllc.com/the-roaring-twenties-or-the-crazy-nineties/) - This week provided more proof that the US economy is steaming ahead. Economic growth in the fourth quarter trounced forecasts and gross domestic product increased 2.5% for the year. On Friday, there was even more good news for the US on the inflation front. The Federal Reserve’s preferred gauge of underlying price pressures - the
- [Markets hit all time highs](https://futurewealthllc.com/markets-hit-all-time-highs/) - The stock market closed the week on a strong note, with the S&P 500 finishing at a fresh record high, boosted by a rally in semiconductor stocks and other big tech names on optimism as the University of Michigan's survey showed consumer sentiment improved in January to its strongest level since summer 2021. For the
- [Getting it right in 2024](https://futurewealthllc.com/getting-it-right-in-2024/) - Stocks closed marginally higher Friday following a stronger than expected U.S. jobs report, but all three benchmark averages declined to begin 2024. For the shortened holiday week, the Nasdaq Composite index slumped 3.2%, its biggest drop since September, while the S&P 500 fell 1.5% and the Dow Jones shed 0.6%. At the end of 2022,
- [Inflation was transitory after all](https://futurewealthllc.com/inflation-was-transitory-after-all/) - Stocks mostly fell Friday but edged higher for the week, as traders examined the first batch of fourth quarter earnings and a pair of closely watched inflation reports. An unexpected downtick in producer price inflation provided a source of optimism, although this was largely overshadowed by a jump in consumer price index (CPI) from 3.1%
- [The turning point is here](https://futurewealthllc.com/the-turning-point-is-here/) - The major stock market indexes eked out gains Friday but scored strong gains for a third straight week as Treasury yields continued to fall. The advance has been sparked by surprisingly tame U.S. inflation data that gave hope to investors that the Federal Reserve's string of interest rate hikes was in the rearview mirror. The
- [Happy Holidays from Future Wealth LLC](https://futurewealthllc.com/happy-holidays-from-future-wealth-llc/) - To all our clients and readers of this newsletter – Happy Thanksgiving and Seasons Greetings. It has been a unpredictable year for investors with the high volatility in the markets but with inflation down to 3.2%, the stock market has responded positively going into December. The S&P 500 is up 19% ytd and Nasdaq up
- [Out of the woods but where is the meat?](https://futurewealthllc.com/out-of-the-woods-but-where-is-the-meat/) - Stocks pushed higher Friday, with the S&P 500 and Dow Jones indexes recording their highest levels in more than a year, after Federal Reserve Chair Jerome Powell supported the market consensus view that key interest rates have peaked. The three major stock market indexes ended the week higher for the fifth straight week, with the
- [Fresh Highs Await](https://futurewealthllc.com/fresh-highs-await/) - Stocks closed higher Friday following a strong monthly jobs report to clinch a sixth straight week of gains, with the S&P 500 and Nasdaq Composite hitting their highest closing levels since early 2022. More broadly, the drop in the unemployment rate to 3.7% combined with rising payrolls and earnings portrays an economy that is easing
- [Welcome to the year end rally](https://futurewealthllc.com/welcome-to-the-year-end-rally/) - U.S. stocks ended the week higher even as some Federal Reserve speakers pushed back on euphoria around interest rate cuts following the central bank's dovish pivot earlier in the week. Overall, stocks registered their seventh straight week of gains, which was the best winning streak for the S&P 500 since 2017 and the best streak
- [Accessing the risks in the stock market through end of the year](https://futurewealthllc.com/accessing-the-risks-in-the-stock-market-through-end-of-the-year/) - It’s been quite a journey for the US economy over the past several years, from pandemic supply chain upheaval to the Federal Reserve’s battle against inflation. Consumers have kept spending, and the job market has proven perpetually robust, with predictions of recession regularly falling flat. Here are a few data points to ponder the direction
- [The folly of investing target date funds](https://futurewealthllc.com/the-folly-of-investing-target-date-funds/) - There is nearly $3 trillion invested in target date mutual funds mostly from 401ks, IRAs and other retirement oiptions. Whether retirement savers in target date funds know it or not, and we presume most don’t, they are mindlessly investing their wealth. The allocations between stocks and bonds in these funds are not based on risk or
- [The economy keeps humming - Why is the market selling off?](https://futurewealthllc.com/the-economy-keeps-humming-why-is-the-market-selling-off/) - The U.S. economy grew at its fastest pace in nearly two years in the third quarter as higher wages from a tight labor market helped to power consumer spending, again defying dire warnings of a recession that have lingered since 2022. Gross domestic product increased at a 4.9% annualized rate last quarter, the fastest since
- [Are we really in a bull market?](https://futurewealthllc.com/are-we-really-in-a-bull-market/) - Stocks ended their worst week in a month with more losses Friday, marking the third straight daily loss for the Dow Jones average and the fourth for the S&P 500, weighed by spiking Treasury yields and concerns that Israel's conflict with Hamas could escalate into a wider Middle East war. Also adding to the gloomy
- [Fed will likely stay higher for longer](https://futurewealthllc.com/fed-will-likely-stay-higher-for-longer/) - Wall Street wrapped up a volatile week with a mixed performance from stocks while investors sought safe-haven assets such as U.S. Treasury bonds and gold, as the Israel-Gaza war looked likely to escalate. For the week, the Dow Jones posted a 0.8% gain and the S&P 500 added 0.4%, but the tech-focused Nasdaq fell 0.2%.
- [Markets have gone topsy-turvy](https://futurewealthllc.com/markets-have-gone-topsy-turvy/) - Last week, the US stock market experienced its most significant decline in six months, leaving investors feeling uneasy. However, this week brought a glimmer of hope as employers added 336,000 jobs in September, marking the strongest gain since January and a notable increase from the previous month's 227,000. Despite this positive jobs report, the volatility
- [Markets are suffering from indigestion](https://futurewealthllc.com/markets-are-suffering-from-indigestion/) - The S&P 500 closed out its fourth consecutive week with losses, marking a nearly 5% decline for September. This performance stands as the worst monthly showing since December, reflecting investors grappling with the Federal Reserve's message of prolonged higher interest rates. However, more significant risks are on the horizon in the coming week. Unless a
- [Fed Shakes Up the Market Needlessly](https://futurewealthllc.com/fed-shakes-up-the-market-needlessly/) - Stocks posted their fourth straight daily loss Friday to end a rocky week that saw benchmark U.S. Treasury yields surging to 16-year highs and investors digesting hawkish revisions from the Federal Reserve. The central bank was the main event of the week. The Fed's monetary policy committee on Wednesday chose to keep rates steady, as
- [Will the Consumer Crack?](https://futurewealthllc.com/will-the-consumer-crack/) - While many investors and economists have crossed over into the sunny lands of soft landing, the major concern remains that the US consumer is about to crack. There is growing consensus that the US economy is just beginning to feel the effects of the central bank’s aggressive monetary policy tightening and the impact of rate
- [Why the G20 summit matters to Wall Street this time](https://futurewealthllc.com/why-the-g20-summit-matters-to-wall-street-this-time/) - U.S. stocks recovered slightly on Friday but ended up down for the week as anxiety over the G20 summit and the Federal Reserve turning more hawkish impacted investor sentiment. A lot is riding on the G20 summit this week, especially with notable absences that include China's Xi Jinping and Russia's Vladimir Putin. President Biden will
- [The Consumer Spends and Spends](https://futurewealthllc.com/the-consumer-spends-and-spends/) - The labor market has been the stalwart of the US economy this year, supporting momentum that’s set it on a glide path for that Goldilocks scenario known as a soft landing. New data this week showed more people entering the workforce, increased hiring and slowing wage growth—three key ingredients of Fed Chair Jerome Powell’s design
- [Finishing off inflation](https://futurewealthllc.com/finishing-off-inflation/) - Stocks rallied Friday as investors welcomed comments from Federal Reserve Chairman Jerome Powell in Jackson Hole that pointed to stronger than expected economic growth. Investors cheered Powell's confidence in continued U.S. economic growth, as he cited "especially robust" consumer spending and early signs of recovery in the housing market, while reiterating the Fed's commitment to
- [China is melting](https://futurewealthllc.com/china-is-melting/) - Stocks and bonds both fell for the week as healthy economic data drove the narrative that the Federal Reserve will keep interest rates higher for longer. Among the major stock market indices this week, the S&P 500 posted a 2.1% decline to its lowest level in nearly eight weeks, the Dow Jones dropped 2.2% for
- [Inflation is behind us](https://futurewealthllc.com/inflation-is-behind-us/) - Stocks finished mixed Friday but scored solid gains for the week, as surprisingly moderate U.S. inflation data prompted hopes that the Federal Reserve could soon stop its pattern of interest rate hikes. With June consumer prices and producer prices showing smaller than expected increases, investors are now considering whether a strong economy could push stocks
- [Investing is about looking forward](https://futurewealthllc.com/investing-is-about-looking-forward/) - Less than 20 months after it began, the bear market that engulfed the S&P 500 during the pandemic is a mere 260 points from being completely erased. The Dow Jones average eked out a gain to notch its 10th straight winning session on Friday, its longest streak in nearly six years, and showing how the
- [The Fed tightens the noose](https://futurewealthllc.com/the-fed-tightens-the-noose/) - The Federal Reserve pushed interest rates to a 22-year high on Wednesday, with another 25 bps move. It's not enough for the central bank to declare victory on historic inflation just yet, but it sure looks like markets are charting their next steps, with the CPI now down to 3% (from a high of over
- [China Unravels - Deflation awaits](https://futurewealthllc.com/china-unravels-deflation-awaits/) - There’s no denying that China’s economy is struggling. Real GDP growth slowed considerably in the second quarter, as exports declined and households accumulated savings to protect against an ongoing slump in property values. Data for July point to ongoing weakness this quarter, including exports that plummeted by 14.5 percent, the steepest decline since the onset
- [How could so many economists be so wrong?](https://futurewealthllc.com/how-could-so-many-economists-be-so-wrong/) - Stocks closed lower Friday to cap a volatile week that finished with losses after Fitch downgraded its U.S. credit rating below the top AAA level, which sent U.S. Treasury yields on a wild ride. Friday marked the final day of the busiest week in the second quarter earnings season, with Amazon jumping more than 8% to
- [Listening to Okun - Okun Who?](https://futurewealthllc.com/listening-to-okun-okun-who/) - The US job market cooled back down in June, adding just 209,000 jobs, and fueling optimism that the economy is on course to nail that elusive soft landing of lowering inflation without triggering a recession. The June job gains, released Friday by the Bureau of Labor Statistics, were nearly 100,000 positions below May’s stronger-than-expected showing
- [Still Waiting for that Recession?](https://futurewealthllc.com/still-waiting-for-that-recession/) - Wall Street's major averages closed out a strong first half of the year on an upbeat note. Moreover, the Federal Reserve's favorite inflation gauge - the core personal consumption expenditures index - moderated in May on both a month-to-month and year-to-year basis, easing some of the rate concerns that have weighed on markets recently. Notably,
- [Pay attention to the Economy, not the Fed](https://futurewealthllc.com/pay-attention-to-the-economy-not-the-fed/) - The Federal Open Market Committee paused its series of interest-rate hikes this week for the first time in 15 months, leaving rates in a range of 5% to 5.25%. But Fed officials estimated rates would rise to 5.6% by the end of the year, implying two additional quarter point hikes to wrestle with slowing but
- [Two Cheers For The New Bull](https://futurewealthllc.com/two-cheers-for-the-new-bull/) - Stocks fell slightly on Friday but still scored strong gains for the week, as investors celebrated a pause in rate hikes by the Federal Reserve. Two important inflation measures during the week supported market expectations. The consumer price index report for May showed a Y/Y deceleration in both the headline number and the core CPI
- [The 2nd longest bear market is over](https://futurewealthllc.com/the-2nd-longest-bear-market-is-over/) - All three major stock market indexes booked small gains for the week, as investors await next week's inflation data and policy decisions on interest rates from the U.S. Federal Reserve. Markets currently are forecasting a 71% probability that the Fed will pause on its string of rate hikes. The S&P 500 exited bear-market territory during
- [Chasing IPOs is a loser's game](https://futurewealthllc.com/chasing-ipos-is-a-losers-game/) - 2020 has been tough on everyone but there are some, firmly ensconced in their mansions brooding, not about the corona virus, but regretting having missed out on Tesla’s electrifying ascent this year. Since its 2010 IPO, the stock has turned in, a not so modest, return of 12,500%, with a guy at the helm who smoked weed
- [Making sense of mixed signals](https://futurewealthllc.com/making-sense-of-mixed-signals/) - Earlier this week, the Dow crossed 30,000 - an achievement which, in other times, would have been something to celebrate but given the current environment, is a head scratcher. Covid hit a third wave of infections with cities and countries going back to lockdown mode as daily deaths continue to rise. That coupled with increase
- [The disgrace when the world moves on without you](https://futurewealthllc.com/the-disgrace-when-the-world-moves-on-without-you/) - The popular saying “Ignoring someone is the highest form of disrespect” is hitting our ex-President Trump smack in his face. Wall Street is hitting all time highs, unemployment has dropped to 6.5% and the vaccine for the coronavirus is ready to be rolled out nationwide in next few months. The United Kingdom has already approved the vaccine
- [Welcome Back to the Good Times](https://futurewealthllc.com/welcome-back-to-the-good-times/) - Nearly $45 billion in net inflows rushed toward equity funds this week, reflecting the optimism from resolution in two events that have plagued the market all year - the elections and lack of vaccine. With both these risks out of the way, the markets have begun to rally again and will likely continue into the end of
- [Why pay high fees?](https://futurewealthllc.com/why-pay-high-fees/) - At the end of each quarter, hedge fund managers who have more than $100 million in assets under management have to reveal their portfolio positions within 45 days as part of their 13F filing to the SEC. The deadline for the third quarter of 2020 reports was November 15th. These hedge funds are not cheap.
- [How a few words wiped out $37 billion](https://futurewealthllc.com/how-a-few-words-wiped-out-37-billion/) - In the midst of a historic election in the US, largely missed by the media was the suspension of the largest ever IPO by a company. The Chinese fintech company - Ant Group was ready to shatter records with a $37 billion IPO on November 5. The Ant Group is led by its CEO -
- [Woah! Emergency funds now allowed into a 401K](https://futurewealthllc.com/woah-emergency-funds-now-allowed-into-a-401k/) - United Parcel Service Inc. announced on Thursday a plan to offer its 100,000 of its workers a way to save for emergencies within its 401(k) plan, becoming one of the largest U.S. employers to join a trend that reflects concern over the impact of workers’ financial problems on their ability to retire. The program gives
- [It’s all about the choices we make in our lives](https://futurewealthllc.com/its-all-about-the-choices-we-make-in-our-lives/) - As the coronavirus soars across the country, charting a single-day record of 99,155 new cases on Friday and surpassing nine million cases nationwide, tracing the path of the pandemic in the United States is no longer simply challenging. It has become nearly impossible. The Trump administration has given up but keeps saying they are “rounding the
- [Revisiting the yield curve - do not ignore it this time around](https://futurewealthllc.com/revisiting-the-yield-curve-do-not-ignore-it-this-time-around/) - Last year, the yield curve inverted and sent chills down investors’ spines. Since then, we have indeed fallen into a recession, but one driven by the pandemic. Now, the yield curve is showing what else it can do. Currently, bear steepening has taken hold - which means that long term rates are pushing upward, driven by
- [Covid finally nails the President and there is no dismissing it anymore](https://futurewealthllc.com/covid-finally-nails-the-president-and-there-is-no-dismissing-it-anymore/) - Following a disturbing Presidential debate, Wall Street was bracing for “what else can go wrong?”. The debate itself was akin to watching a car race where the most exciting moments are the carnage. And there was carnage - American carnage - silliness and crass behavior by the President for the whole world to see and
- [Are we really in for another 2020 next year?](https://futurewealthllc.com/are-we-really-in-for-another-2020-next-year/) - In the last few days, Johnson & Johnson’s vaccine study was paused after a volunteer got sick and Eli Lilly & Co.’s antibody study was halted enrollment over a safety concern. AstraZeneca Plc’s vaccine has been on hold since early September. Only Pfizer still holds the hope for a vaccine by year end. In the
- [Caution! Private Equity enters 401K plans](https://futurewealthllc.com/caution-private-equity-enters-401k-plans/) - The Department of Labor (DOL) recently issued guidance allowing employers to add retirement funds into their 401K investment lineup that invest in private equity. Private-equity funds, which fall into the broader category of alternative investments, have only been available to more affluent and institutional investors in the past - at least $200,000 in income in
- [No business plan, no problem!](https://futurewealthllc.com/no-business-plan-no-problem/) - A blank check company is a development stage company that has no specific business plan or purpose or has indicated its business plan is to engage in a merger or acquisition with an unidentified company or companies, other entity, or person. These companies are special purpose acquisition companies, or SPACs. Their goal is to raise
- [A good life does not mean an easy one](https://futurewealthllc.com/a-good-life-does-not-mean-an-easy-one/) - US Debt levels hit a postwar record this week and the debt surpassed 100% of GDP for the April to June quarter. That would put the US in the company of a esoteric few - Japan, Italy and Greece. In the meantime, the Dow briefly topped 29000 before pulling back dramatically later in the week.
- [TINA - At What Cost?](https://futurewealthllc.com/tina-at-what-cost/) - TINA which stands for “There is no alternative” has had a major impact on stock markets this year to the point where it has become a moniker for strategy adopted by investors. COVID-19 virus has raised the day-to-day importance of many popular companies and investors have poured billions into these favorites under the TINA theory
- [Life is all about choices](https://futurewealthllc.com/life-is-all-about-choices/) - With the Democratic National Convention behind us and the Republican National Convention set to nominate Donald Trump for the Presidential Election in November, Wall Street has all but given up on monitoring corporate earnings and its entire focus is now on who will be the next President of the United States. Every four years, the
- [Will there be a Biden boom or bust?](https://futurewealthllc.com/will-there-be-a-biden-boom-or-bust/) - With the market edging higher and the prospect of combative presidential debates to start soon, speculation is running rampant on how a Biden victory could impact the stock market. On the one hand, there are those who believe that the prospect of raising taxes and increased regulation from a Biden presidency could easily take the markets
- [Taking advantage of low interest rates](https://futurewealthllc.com/taking-advantage-of-low-interest-rates/) - With bank interest rates near zero, it makes zero sense to park money, other than the emergency fund, in savings or money market accounts. On the other hand, with the rate on 30-year mortgages recently hitting all-time lows below 3%, refinancing into a 15 year mortgage or lowering payments on the 30 year are wise
- [The economy depends on your spending](https://futurewealthllc.com/the-economy-depends-on-your-spending/) - It is no secret that the Nasdaq has defied all headwinds and posted phenomenal returns amidst an environment that has been nothing but gloomy - record unemployment, massive GDP hole, coronavirus cases and deaths mounting by the day and no vaccine in sight. To put it in perspective, year to date, the S&P is up
- [Is it really time to bail?](https://futurewealthllc.com/is-it-really-time-to-bail/) - “Bubble”, “Correction”, “Overvalued” etc. are now the cool words splashing around on TV and newspapers. Of course, none of these pundits saw the 35% decline coming earlier this year, nor the subsequent 40% recovery. Yet, somehow, they want us to believe that a repeat of 1999 is in the offing. The truth is that no
- [Preparing for a negative interest rate world](https://futurewealthllc.com/preparing-for-a-negative-interest-rate-world/) - On June 10, 2020, the Federal Reserve maintained its target for the federal funds rate—the benchmark for most interest rates—to a range of 0% to 0.25%. The next Fed meeting is on July 28-29 and given the recent economic indicators and the rise in corona virus cases, there is a strong possibility that the Fed
- [Fundamentally Detached](https://futurewealthllc.com/fundamentally-detached/) - It is not often that the stock market becomes decoupled with corporate earnings and economic indicators. In many ways, economic indicators and corporate earnings drive stock market movements. But, in the era of social distancing when the whole world has been turned upside down, it is only fitting that the stock market has simply decoupled
- [The Calm before the Storm](https://futurewealthllc.com/the-calm-before-the-storm/) - Investors will return from a long holiday weekend in the U.S. on Monday to what may be the calm before the storm: a relatively quiet week before a deluge of second-quarter corporate earnings reports are published starting July 13. Most observers are looking past second quarter earnings, as they are likely to not only be
- [In Search of fundamentals](https://futurewealthllc.com/in-search-of-fundamentals/) - The U.S. stock market’s rally since late March has been hard to take for many people—including those professional investors who stayed pessimistic too long and missed out on much of it. There’s a rueful saying among traders that markets will move in whatever direction that will cause them the most pain. The Federal Reserve put
- [Can we have a vaccine, please?](https://futurewealthllc.com/can-we-have-a-vaccine-please/) - Two major events occurred this week - Johnson & Johnson, which is working on a Covid-19 vaccine, moved up its expected start date for human trials to July from September. In the afternoon on Thursday, Powell revealed that the Fed could leave interest rates near zero through 2022 as the economy recovers from the coronavirus
- [What we feared is now happening..](https://futurewealthllc.com/what-we-feared-is-now-happening/) - Coronavirus cases are spiking and reopenings are being delayed. Texas Gov. Greg Abbott said the state will roll back some of its reopening measures as coronavirus cases and hospitalizations continue to rise. Florida announced it would suspend “on premises consumption” of alcohol at bars in the state after reporting a surge of nearly 9,000 new
- [Future Wealth LLC Introduces Charitable Choices](https://futurewealthllc.com/future-wealth-llc-introduces-charitable-choices/) - You may have already established a charitable trust or may be thinking of putting together one in the near future. This initiative from Future Wealth LLC will enable you to create your own charitable fund in a name of your choice, distribute to charities of your choice and create a legacy that can be continued
- [We are back to the way it was before Corona! But, are we really back to normal?](https://futurewealthllc.com/we-are-back-to-the-way-it-was-before-corona-but-are-we-really-back-to-normal/) - New investors have taken the stock market back to February levels while everyone else is desperately searching for a vaccine. Thanks to the coronavirus, roughly 780,000 of bored people staying at home with nowhere to go, have created accounts at Charles Schwab, E-Trade, and Interactive Brokers. These newbies have charged into the market even as companies
- [YES or is it actually NO?](https://futurewealthllc.com/yes-or-is-it-actually-no/) - UBS Group, developed a portfolio called Yield Enhancement Strategy (YES) aimed at conservative investors searching for income from their investments. At its peak, the portfolio boasted $6 billion in holdings. The YES brochure claimed that the strategy limits exposure to significant upside or downside risks. With a name like YES and a conservative strategy, money
- [Is Apple In Deep Waters?](https://thetradable.com/investing/is-apple-in-deep-waters-company-reveals-4th-quarter-earnings)
- [Which indicator will trip the markets?](https://futurewealthllc.com/which-indicator-will-trip-the-markets/) - Every state has started to reopen its economy, which will give us the first true indications of the current economic direction, outlook into the full impact of the downturn and nature of the recovery. Of course, a spike in deaths from the virus will put us back in a place no one wants to go
- [Printing Money - How that works...](https://futurewealthllc.com/printing-money-how-that-works/) - Every week, we hear that the Fed’s goal is to keep markets functioning after they had previously seized up in fear. But, the way they are doing it is - virtually "printing" money and injecting it into the commercial banking system. By the end of the year, the Fed is projected to have purchased $3.5
- [Why the divorce?](https://futurewealthllc.com/why-the-divorce/) - At the onset of the coronavirus crisis, Wall Street had a meltdown. Stocks plunged amid fears of the disease’s spread and its potential impact on the global economy. But in recent weeks, the market has recovered — the S&P 500 is hovering around where it was last fall. The U.S. jobs report for April was
- [A deceptive rally masks some real pain](https://futurewealthllc.com/a-deceptive-rally-masks-some-real-pain/) - With the recent rally, common sense appears to have to been put to the test. Many believe that correction was misstated. Why? The market declined 34% but already has been back up 25% so it's now really only down 9%, barely enough to call it a correction. Really? If you have $100 invested in something
- [The bear is on the prowl….](https://futurewealthllc.com/the-bear-is-on-the-prowl/) - It took only five weeks for the U.S. economy to wipe out all the job gains it added over the last 11 years. Combined with the four prior jobless claims reports, the number of Americans who have filed for unemployment over the previous five weeks is 26.45 million. That number exceeds the 22.44 million jobs added
- [Are we in a recession or not?](https://futurewealthllc.com/are-we-in-a-recession-or-not/) - A typical recession does not just wipe out the economy but cleans out all bullish investments and gets everyone into cash. This time, it appears to be different. Despite mounting deaths and climbing unemployment numbers, the stock market has begun a rally that defies the standard template of a recession. The bulls credit the Fed
- [WHO is to blame?](https://futurewealthllc.com/who-is-to-blame/) - April 10th marked 100 days since the WHO (World Health Organization) was first notified of the novel corona virus outbreak in China. WHO’s mission statement reads “To publish and disseminate scientifically rigorous public health information of international significance that enables policy-makers, researchers and practitioners to be more effective”. Instead, in January, WHO tweeted, "Preliminary investigations
- [A quarter that must be forgotten](https://futurewealthllc.com/a-quarter-that-must-be-forgotten/) - March felt like an eternity. It all started well in Jan and then we had a furious rally till Feb but then, everything fell apart. S&P declined and kept declining until it fell 35%. Even after decline this week, the indices are notably off their worst levels seen in the middle of March, but still
- [What lies ahead?](https://futurewealthllc.com/what-lies-ahead/) - America has more than 100,000 coronavirus cases, but it’s unclear what path the mortality rate will take in the coming weeks. China is keeping foreigners out, India is trying to keep 1.3 billion people indoors, the U.S. continues to struggle with testing and doctors in Spain are being forced to choose who to save. Britain’s
- [Everything is closed - Why is the stock market still open?](https://futurewealthllc.com/everything-is-closed-why-is-the-stock-market-still-open/) - It is no secret that the life we are going through now is nothing like we have experienced before. The isolation from society is simply not what anyone has been prepared for. But added to that is the stress of the stock market crashing taking out ~30% of accrued wealth in a space of a
- [Wild week prompts a look at key indicators](https://futurewealthllc.com/wild-week-prompts-a-look-at-key-indicators/) - In a tumultuous week for equities, the Dow swung 1,000 points or more - twice within three days. The Dow lost nearly 1,000 points (more than 3%) on Thursday, and added even more sharp declines on Friday, tanking more than 750 points. The S&P and the Nasdaq followed the Dow with wild fluctuations as well.
- [And just like that - US enters a recession and headlong into a bear market](https://futurewealthllc.com/and-just-like-that-us-enters-a-recession-and-headlong-into-a-bear-market/) - While everything from deserted ball games to school closings to elbow shakes instead of handshakes may seem strange to us, this is not the first time epidemics have wreaked havoc in America. Headlines in NY Times on April 12, 1955 was “Polio is Conquered.” Until then, polio came like clockwork every summer killing thousands and
- [Will Corona virus take us into bear market territory?](https://futurewealthllc.com/will-corona-virus-take-us-into-bear-market-territory/) - U.S. stocks entered a market correction — defined as a 10% drop from a recent peak — on Thursday this week as fears around the global spread of Corona virus rocked financial markets. For the S&P 500, the drop into a correction from an all-time high in just six trading days earlier was the fastest
- [Virus Outbreak - Sit tight (with a mask) or Bail?](https://futurewealthllc.com/virus-outbreak-sit-tight-with-a-mask-or-bail/) - The coronavirus has spread rapidly since emerging in Wuhan in December. So far its spread outside China has been limited, but appears to be spreading with new cases being reported every day. Investors have reacted fast - selling off equities with China ETFs down >11%; Airline stocks off 7%; Crude oil down 13%. The market
- [Warren Buffett had his worst year in 20 years in 2019 - Can you believe it?](https://futurewealthllc.com/warren-buffett-had-his-worst-year-in-20-years-in-2019-can-you-believe-it/) - Berkshire Hathaway stock gained only 10.9% in 2019, 20.6 percentage points lower than the S&P 500’s total return. Berkshire’s annual shareholder letter is expected to be released on Feb 22 and is usually a must read for every investor. But, this year, Warren Buffett has some explaining to do. In Berkshire’s entire five-decade-plus history, Buffett
- [Looking for correlation between GDP growth and S&P 500 returns](https://futurewealthllc.com/looking-for-correlation-between-gdp-growth-and-sp-500-returns-2/) - From May 2009 through January 2020, the S&P 500 climbed at a 15.1% annualized rate. In contrast, U.S. GDP averaged only about 2% in the last decade. Popular notion is that equities can only keep appreciating at 15-20% a year while GDP grows at 2-3% annually for so long. A major reason for this performance gap
- [Is “monster” trade deal with China for real?](https://futurewealthllc.com/is-monster-trade-deal-with-china-for-real/) - The Trump administration’s “monster” trade deal with China helped drive global stocks to records and push currency volatility to all time lows. But the accord excludes $50 billion of U.S. exports and there are doubts China can buy the extra $95 billion in commodities. The deal commits China to do more to crack down on
- [Are stocks overbought?  Fear not, the Fed has your back.](https://futurewealthllc.com/are-stocks-overbought-fear-not-the-fed-has-your-back/) - As markets continue to rally, questions are arising if today’s stock market is akin to the stock market rise in 1999. There are, of course, quite a few differences. In 1999, there were no earnings, only clicks — it was a widely followed metric — the more dot-com companies’ stocks went up, and so did
- [And the good news keeps rolling in...](https://futurewealthllc.com/and-the-good-news-keeps-rolling-in/) - Two Federal Reserve officials said, Thursday this week, that the economy was likely to avoid a severe downturn because of timely intervention by the central bank last year. One of them said there is a “reasonable chance” of achieving a soft landing for the U.S. economy this year, despite the renewed tension in the Middle
- [What awaits us in 2020?](https://futurewealthllc.com/what-awaits-us-in-2020/) - 2019 was a strong year for U.S. equity markets, and that strength is compelling investors to wonder whether this powerful ascent will translate into a down market in 2020. However, if statistics over the past 70 years hold true, this year is likely to produce healthy, if not stellar, gains. Dow Jones Market Data figures
- [Macro hedge funds join other hedge funds in the dog house](https://futurewealthllc.com/macro-hedge-funds-join-other-hedge-funds-in-the-dog-house/) - Last week, Louis Bacon, an investor who made a 30 year career of making over 20% gains annually based on “macro” investing by placing big wagers on variety of global indicators, called it a day and is closing down his funds at Moore Capital Management. The reason - his funds have returned low single digits
- [2019 Stock Market Recap](https://futurewealthllc.com/2019-stock-market-recap/) - After a turbulent 4th quarter of 2018, the stock market reversed course in January, with most leading indexes posting solid gains. Despite some growing economic concerns, the U.S. stock market continued to rebound in February. By the end of Q1, lackluster US job-creation numbers were reported, and falling manufacturing in the eurozone, Japan, and the
- [Schwab to buy TD Ameritrade to get out of hole it dug itself](https://futurewealthllc.com/schwab-to-buy-td-ameritrade-to-get-out-of-hole-it-dug-itself/) - Just a month after Charles Schwab announced that it was cutting online stock trading commissions to zero, it announced this week - its intent to acquire rival TD Ameritrade for $26 billion. If the deal to merge the country’s two largest discount brokerages goes through, the resulting company will become a dominant player with more
- [An unfortunate new twist to the ETF industry](https://futurewealthllc.com/an-unfortunate-new-twist-to-the-etf-industry/) - ETFs have taken over the investment world and are quickly putting mutual funds out of business. Their low fees and active trading during market hours characteristics make them more attractive than mutual funds. But, by far, their most important attribute is their transparency. While mutual funds disclose their portfolios only once a quarter, ETF holdings can be
- [Sneaker lunacy takes over China](https://futurewealthllc.com/sneaker-lunacy-takes-over-china/) - Forget stocks, real estate, even cryptocurrencies -- China's hottest investment nowadays is Nike, Adidas, and Puma basketball shoes. Imitating a trend that harkens back to the Tulip mania in Europe in the 1600s, trading volumes on online "sneaker exchange" platforms in China are reaching dangerous levels. Consumers travel hundreds of miles, get in on the
- [Questioning the yield curve. Is it wise?](https://futurewealthllc.com/questioning-the-yield-curve-is-it-wise/) - This week, stocks hit all-time highs and continued to climb. Yields are also rising and corporate bond spreads point to investors being more confident with the current economic conditions. The yield curve, whose inversion set off alarms about the risk of a recession, has gone back to normal which means that longer term treasury yields
- [A fool and his money are soon...](https://futurewealthllc.com/a-fool-and-his-money-are-soon/) - Softbank, made famous by its huge $100 billion Vision fund and larger than life CEO - Masayoshi Son, is now beginning to look like any other VC with a rookie at the helm. Last week, Softbank, which made a wild bet on WeWork, a company that is burning thorough $2 billion a year, took it
- [Hong Kong crashes, Venezuela in tatters - US market hits all time highs](https://futurewealthllc.com/hong-kong-crashes-venezuela-in-tatters-us-market-hits-all-time-highs/) - Hong Kong’s economy contracted sharply in the third quarter as it entered a recession. Third-quarter gross domestic product retreated 3.2% from the previous three months, after a 0.4% contraction in the second quarter. Two consecutive periods of negative growth mean Hong Kong has fallen into a technical recession. The economic debate now is focused on
- [Q3 2019 Corporate Earnings Season Starts This Week - Look out!](https://futurewealthllc.com/q3-2019-corporate-earnings-season-starts-this-week-look-out/) - Earnings season begins Oct. 15, with banks - J.P. Morgan Chase, Citigroup and Wells Fargo scheduled to announce their third-quarter results, with Bank of America following up the next day. Banks’ earnings are expected to be ok despite low interest rates. But, the Federal Reserve’s policy change could mean difficult times ahead for most banks.
- [Desperate times call for desperate measures](https://futurewealthllc.com/desperate-times-call-for-desperate-measures/) - With commission free trading now the norm, banks must find new ways to attract clients to boost other parts of the business -- such as banking or financial advice or end up playing the float (take investor cash in money market funds and lend to institutions at higher rate) to make money. And so, Charles
- [Where's the catch? None.](https://futurewealthllc.com/wheres-the-catch-none/) - Earlier this week, Charles Schwab announced that starting Oct. 7, clients can buy and sell stocks and ETFs listed in the U.S. or Canada online for free instead of the 4.95/$6.95 per trade fee. Next day, TD Ameritrade and ETrade reluctantly followed. Fidelity and the rest have no choice but to follow on their footsteps.
- [Deeply Disturbing](https://futurewealthllc.com/deeply-disturbing/) - With the President facing impeachment, investors are cringing, thinking of a repeat of 1974 when Nixon went down and took the markets with him. But history suggests otherwise. When Andrew Jackson was impeached, markets cared little. When Bill Clinton was impeached, stocks fell 5% but made back most of the losses by the close and
- [The movie is over..shed no tears](https://futurewealthllc.com/the-movie-is-over-shed-no-tears/) - MoviePass, a company that started a too-good to be true service in 2017, of offering consumers a movie a day at theaters for $9.99 a month, has finally closed doors. They simply ran out of money subsidizing all those customers who took full advantage. Unfortunately, the company had to pay full ticket price and was
- [When is the next recession?...Some say we may already be in it](https://futurewealthllc.com/whwhen-is-the-next-recession-some-say-we-may-already-be-in-it/) - The inverted yield curve, a key predictor for financial downturns, has appeared in recent months several times. Yet U.S. stock markets are still near their all-time high while U.S. retail sales appear upbeat. Paying attention to the yield curve inversion that has predicted each of the last seven downturns, could be mistaken this time around,
- [How independence ruined a nation](https://futurewealthllc.com/how-independence-ruined-a-nation/) - Traditionally, independence meant freedom. And freedom meant prosperity and economic growth. In the case of Zimbabwe, it went the other way. Robert Mugabe, who died this week was the mastermind, who liberated and destroyed the country. In 1980, Mr. Mugabe took power in what was white ruled Southern Rhodesia. He pledged pragmatism and reconciliation. But
- [Interest rate cuts are no longer what they used to be Inbox](https://futurewealthllc.com/interest-rate-cuts-are-no-longer-what-they-used-to-be-inbox/) - Traditionally, business investment used to rise when US companies took on more debt and companies took on more debt when the interest rates were cut, making it cheaper to borrow money and deliver a boost to the economy. That was the prevailing theory until the one link in the machinery recently broke down. Companies are
- [A "low risk" strategy that loses millions of investors' money at UBS](https://futurewealthllc.com/a-low-risk-strategy-that-loses-millions-of-investors-money-at-ubs/) - Earlier this week, UBS revealed that its Yield Enhancement Strategy or YES that manages $5 billion, has lost at least $60 million YTD of investor money at its retail client accounts. Ordinarily, this would come as no surprise at a hedge fund and would hardly make the news but the irony is that this strategy
- [Looking for reliable signals to provide direction](https://futurewealthllc.com/looking-for-reliable-signals-to-provide-direction/) - With constant whipsawing and mixed messages from the White House and the Fed alike, investors are seeking direction from the bond market that has traditionally provided the most reliable signals. While other sections of the U.S. Treasury yield curve have inverted for months as investors bet that U.S. and global growth would slow, yields on
- [The future ain't what it used to be](https://futurewealthllc.com/the-future-aint-what-it-used-to-be/) - There were two mass shootings within 24 hours in America this week. Firearms stocks spiked. U.S. stocks plunged the most this year as China responded to Trump’s latest tariff threats. The yield curve blared its loudest U.S. recession warning since 2007. Bitcoin, an unlikely safe haven, approached $12,000. The escalating trade war between the U.S.
- [Now it is getting personal -  trade war drives wine prices higher](https://futurewealthllc.com/now-it-is-getting-personal-trade-war-drives-wine-prices-higher/) - The value of U.S. wine exports to China dropped by 25% in 2018, when the first retaliatory tariffs hit. California, which accounts for more than 90% of America’s wine sales to other countries, has borne the brunt of the decline. China’s latest round of retaliatory tariffs this year has put the combined tax rate on
- [How to Figure Out How Much Money You Need to Retire Comfortably](https://grow.acorns.com/how-to-find-out-how-much-money-you-need-to-retire-comfortably/)
- [Buy, Sell or Go Surfing](https://futurewealthllc.com/buy-sell-or-go-surfing/) - With the Dow Jones Industrial Average over 27,000, the S&P 500 index moving past the 3,000 mark for the first time; the Nasdaq composite likewise shattering its previous record, closing above 8,200, the mood in Wall Street is almost giddy. But the reasons are obvious for everyone to see - Federal Reserve chair Jerome Powell
- [Want in on the next startup IPO?](https://futurewealthllc.com/want-in-on-the-next-startup-ipo/) - With the markets hitting new highs, investors and funds are no longer content with getting >15% return YTD. One would have given his left arm to get that kind of return just a decade ago but to quote Bob Dylan - "The times, they are a changing". Now, there is this frenzy to get in
- [Uber Starts Helicopter Service](https://futurewealthllc.com/uber-starts-helicopter-service/) - Starting this week, New Yorkers can take a chopper from downtown to JFK airport for $200 and avoid the grid locked roads on their way to the airport. If their foray in New York succeeds, Uber hopes to expand this service to other cities. Flights can be booked up to five days in advance.
- [From $1000 iPhone to $10 monthly fee](https://futurewealthllc.com/from-1000-iphone-to-10-monthly-fee/) - Earlier this week, Apple’s design chief Jony Ive quit Apple to start his own business. Ive, who has been at the helm of the design team since 1996, had helped design the iPhone, iPod, iPad and Macbook. In particular, the iPhone has driven Apple’s sales and profit for almost a decade. As sales have largely
- [Confusion reigns on Wall Street](https://futurewealthllc.com/confusion-reigns-on-wall-street/) - Earlier this week, with the deadline looming with Mexico of next Monday, the U.S. job growth came out showing that nonfarm payroll increase in May missed expectations by a wide margin [75,000 vs 180,000]. The markets which usually would have taken a leg down on this news rallied hoping for rate cut by the Fed in
- [Treasury Rally to Continue](https://futurewealthllc.com/treasury-rally-to-continue/) - Yields on 10-year Treasuries broke below 2% for the first time since 2016 this week after the Federal Reserve signaled it’s ready to lower borrowing costs, prompting a flurry of bets that a rate cut will happen in July. The U.S.-China trade dispute remains hot. On Friday, the U.S. Commerce Department barred five more Chinese
- [Trump goes rogue and takes down the market](https://futurewealthllc.com/trump-goes-rogue-and-takes-down-the-market/) - Have you been enjoying our never-ending trade war with China? Well, you now get a 2 for 1 deal. There is a trade war with Mexico as well. The markets didn’t take this kindly and neither did the Mexican President, but, that’s another matter. Ray Dalio, CEO of Bridgewater and an ardent Trump supporter, has
- [Your retirement just got easier, I am not kidding!](https://futurewealthllc.com/your-retirement-just-got-easier-i-am-not-kidding/) - Earlier this week, the House passed the bill, which delays until 72, the age at which retirees must start withdrawing from 401ks and individual retirement accounts and removes the age limit at which taxpayers must stop contributing. Currently, taxpayers have to stop contributing to such accounts at age 70 1/2 and begin taking distributions. If
- [Another addiction - More $$$](https://futurewealthllc.com/another-addiction-more/) - The opioid crisis which was largely created by large pharma companies to begin with, has now wound itself from distributors like Rochester Drug Cooperative to small pharma companies like Purdue Pharma to finally hit the big guns - Johnson & Johnson, Teva Pharma and the like. All these large pharma companies are under assault with
- [Bond Funds That Guarantee a Return of Principal at Maturity](https://bottomlineinc.com/money/bonds/these-bond-funds-guarantee-return-of-principal-maturity)
- [Anyone know why the market is down?](https://futurewealthllc.com/anyone-know-why-the-market-is-down/) - Unlike in the US where, if there was a selloff in the stock markets, you would hear it ad nauseum from the CNBC, CNN, Bloomberg etc., where experts weigh in on the reasons causing the drop in the Dow, S&P 500 and the Nasdaq - in China, it is a different story. Last week, Chinese shares
- [Blackout or  lights out?](https://futurewealthllc.com/blackout-or-lights-out/) - Pacific Gas & Electric (PGE), beset with lawsuits stemming from the fires it created last year from downed power lines, has come up with an innovative strategy to prevent further lawsuits - cut power to households that it deems to be a risk when high winds threaten to cause the next big fire in California.
- [What is Q1 corporate earnings trying to tell us for Q2 and beyond?](https://futurewealthllc.com/what-is-q1-corporate-earnings-trying-to-tell-us-for-q2-and-beyond/) - Q1 2019 corporate earnings season is largely behind us and here is what we have - Intel missed, Amazon beat - 3M got decimated, Visa exceeded - Tesla got gassed but Facebook keeps getting liked. But, instead of focusing on individual companies, looking at industry segments gives a better picture of what awaits. Here’s what
- [Mueller report and the Notre Dame Fire](https://futurewealthllc.com/mueller-report-and-the-notre-dame-fire/) - here were only two things that occupied the news this week - and both were largely insignificant but important nonetheless. The Mueller report was already headed to the garbage can even before it was released and that’s where it ended up with all the red-acted pages. The Notre Dame fire, while unfortunate, showcased human behavior,
- [Wow! Another airline gone under water and it is not Boeing Max 737](https://futurewealthllc.com/wow-another-airline-gone-under-water-and-it-is-not-boeing-max-737/) - If you are wondering why are airline stocks such bad investments, you need to look no further than the mishaps and broken business models that each of the airlines have embraced. Few weeks ago, while chaos over Ethiopian Air crash was in the news, Wow Air - a budget Icelandic airline that's been offering ridiculously cheap
- [8 OF THE BEST REITS TO BUY IN 2019](https://money.usnews.com/investing/real-estate-investments/slideshows/best-reits-to-buy-this-year?slide=6)
- [CISCO'S 6,000 JOB CUTS DROWN OUT EZCHIP PROFITS](https://www.dailyherald.com/article/20140818/business/140818649/)
- [Build Your Retirement Fund by Changing Your Car-Owning Habits](https://money.usnews.com/investing/articles/2016-09-19/build-your-retirement-fund-by-changing-your-car-owning-habits)
- [Can You Get True Asset Allocation in a Single Fund?](https://money.usnews.com/investing/articles/2017-04-24/can-you-get-true-asset-allocation-in-a-single-fund)
- [How Debt-Laden Millennials Can Invest](https://money.usnews.com/investing/articles/2017-07-12/how-debt-laden-millennials-can-invest)
- [$34B Red Hat Acquisition Is a Bolt Out of Big Blue](https://www.ecommercetimes.com/story/85651.html?__hstc=67659214.4d50b97e543a10ff1992e42894a64ff5.1540930031488.1540942095400.1541006302544.3&#038;__hssc=67659214.1.1541006302544&#038;__hsfp=3123422314)
- [Apple's decision to stop breaking down unit sales of iPhones and iPads is a 'defining moment'](https://www.cnbc.com/2018/11/02/apple-is-moving-from-a-hardware-to-services-business--jay-srivatsa.html)
- [INVESTORS INTERPRET APPLE'S DECISION TO WITHHOLD IPHONE NUMBERS](https://www.investopedia.com/news/investors-interpret-apples-decision-withhold-iphone-numbers/)
- [ACUMOS PROJECT'S 1ST SOFTWARE, ATHENA, HELPS EASE AI DEPLOYMENT](https://www.linuxinsider.com/story/85686.html?__hstc=67659214.4d50b97e543a10ff1992e42894a64ff5.1540930031488.1542242544019.1542387409552.7&#038;__hssc=67659214.2.1542387409552&#038;__hsfp=298233994)
- [HOW INVESTORS FACE INFLATION WITH TIPS](https://money.usnews.com/investing/bonds/articles/how-investors-face-inflation-with-tips)
- [Protect Your Portfolio With a Stop-Loss Order](https://money.usnews.com/investing/buy-and-hold-strategy/articles/how-to-use-a-stop-loss-order-to-protect-your-portfolio)
- [The Pros and Cons of ‘Target Maturity’ Bond Funds](https://www.wsj.com/articles/the-pros-and-cons-of-target-maturity-bond-funds-11549056384)
- [Why target-maturity bond funds aren't for everyone](https://www.wealthprofessional.ca/news/fixed-income-funds/why-targetmaturity-bond-funds-arent-for-everyone-254049.aspx)
- [Do Smart Beta Funds Belong in Your Portfolio?](https://money.usnews.com/investing/funds/articles/do-smart-beta-funds-belong-in-your-portfolio)
- [8 Great Ways to Buy International REITs](https://money.usnews.com/investing/real-estate-investments/slideshows/8-great-ways-to-buy-international-reits?slide=2#new_tab)
- [Next Google or Blue Apron?](https://futurewealthllc.com/next-google-or-blue-apron/) - Ride-sharing company Lyft Inc. made its debut last week, and shares are already struggling to maintain their initial $72 IPO price. Uber Technologies is expected to go public later this month, Home-rental service Airbnb, messaging platform Slack Technologies, and social media site Pinterest are all to follow soon after. For every Google and Amazon IPO
- [Congress to raise the RMD on your IRA/401K - Should you be worried or happy?](https://futurewealthllc.com/congress-to-raise-the-rmd-on-your-ira-401k-should-you-be-worried-or-happy/) - Earlier this week, the House Ways & Means Committee introduced a bill to raise the RMD (required minimum distributions) age to 72 from 70½. The Ways and Means Committee is expected to vote on the new measure next week. Investors who reach age 70½ are faced with a requirement: Start taking annual withdrawals from tax-sheltered
- [Yield curve points to an imminent recession. Should you be worried?](https://futurewealthllc.com/yield-curve-points-to-an-imminent-recession-should-you-be-worried/) - As the market searches for direction, one indicator is pointing toward a more somber scenario. The interest rate on the U.S. Treasury 10-year bond just fell below the rate on the 3-month bill in response to the Fed's March announcement. The Treasury yield curve inverted for the first time since the last crisis on Friday,
- [What a difference a week makes?](https://futurewealthllc.com/what-a-difference-a-week-makes/) - The phrase “What a difference a year makes?” is used in common parlance. But lately, this timeline has been squeezed into one week prompting people to ask the question - “What a difference a week makes?”. Let’s look at the happenings in just the past week: Citizens of Venezuela have had no power all week.
- [Tesla - Buy the product, not the stock](https://futurewealthllc.com/tesla-buy-the-product-not-the-stock/) - Tesla’s stores once offered the promise of a one-stop shop for electric cars, solar panels and battery storage. Less than three months ago, the company announced 11 new store locations across the country. Just a few months later, Tesla is shuttering most of its stores in a bid to cut costs and going online. The
- [Apple’s launch event in March. Anyone getting excited?](https://futurewealthllc.com/apples-launch-event-in-march-anyone-getting-excited/) - It is widely expected that there's going to be a launch event at the Steve Jobs Theater at Apple's headquarters on March 25. But don’t be expecting a revolutionary new product like the iPhone or iPad or the iWatch. Instead, it is expecting to be the launch of its video streaming and news services. Apple
- [Few Words of Wisdom Everyone Needs](https://futurewealthllc.com/few-words-of-wisdom-everyone-needs/) - Every year, the one document every investor should read, even if they read nothing else the rest of the year is - Warren Buffett’s annual shareholder letter. This letter contains lessons that have vaulted Warren Buffett from a simple guy starting out working in his family's grocery store to a revered billionaire whose investment style
- [Zimbabwe back in hyper-inflation crisis and its neighbors aren't happy](https://futurewealthllc.com/zimbabwe-back-in-hyper-inflation-crisis-and-its-neighbors-arent-happy/) - Earlier this week, Zimbabwe, which has been using the U.S. dollar for the past decade, announced that it is back to using its own currency again instead of the US dollar. The primary reason was that the country was running out of U.S. dollars and the dollars stored in local bank accounts are worth only
- [We did'nt start the fire...](https://futurewealthllc.com/we-didnt-start-the-fire/) - Since early October, Pacific Gas & Electric stock has lost more than 85% of its value. And now, it has filed for bankruptcy. Following PG&E bankruptcy filing, S&P Global Ratings slashed credit grades almost to junk status for California’s two other big electric utilities, owned by Sempra Energy and Edison International. But the problems stem
- [The Fed, my friends, is on our side](https://futurewealthllc.com/the-fed-my-friends-is-on-our-side/) - At a time of unpredictable and unpresidential behavior at the White House, we have the Fed, whose behavior has now become predictable. Going into the FOMC meeting last week, financial markets demanded that Federal Reserve Chairman Jerome Powell ease up on tightening monetary policy. And he listened and capitulated. Fed Chair Powell, who had previously
- [Looking for direction as the Fed meeting awaits](https://futurewealthllc.com/looking-for-direction-as-the-fed-meeting-awaits/) - Earlier in the week, Dow members - United Technologies and Procter & Gamble both rose more than 4.8 percent after reporting better than expected earnings. IBM, another Dow component, jumped 8.5 percent in its best session since Oct. 18, 2017. But then, later in the week, Intel stock fell the most in six months after
- [Wall Street is flying blind..time to avoid getting bumped off](https://futurewealthllc.com/wall-street-is-flying-blind-time-to-avoid-getting-bumped-off/) - At a time when the government shutdown is expected to a have much greater impact than previously projected, coupled with earnings season from major companies disappointing, it is hard to understand why we have a rally in the stock market. Here is what we know - The administration had initially counted just the impact from
- [Latest addition to your monthly payments - pharma companies](https://futurewealthllc.com/latest-addition-to-your-monthly-payments-pharma-companies/) - Earlier this week, Bluebird Bio announced it may have a found a way to handle the expected seven-figure cost of its experimental gene therapy: getting customers to pay on installment. The price of its therapy to rare inherited blood disease is expected to be ~$2 million and the company is proposing to offer the treatment
- [Forget the predictions, things are going to get worse](https://futurewealthllc.com/forget-the-predictions-things-are-going-to-get-worse/) - All the major indices finished 2018 down for the year, with the steepest declines recorded in the fourth quarter. And, just when investors were coming out of their New Year celebrations, Apple’s announcement of disappointing sales in China on Wednesday, gave the signal that the bad times for stocks could continue into 2019. If you
- [Invest In Your Financial Portfolio Today](https://futurewealthllc.com/invest-in-your-financial-portfolio-today/) - Our team of wealth managers are here ready to expertly craft your financial portfolio and help you reach your financial goals. Contact the best financial portfolio management team near you in Los Gatos, CA to begin your financial planning today.
- [And its - Lights out?](https://futurewealthllc.com/and-its-lights-out/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.0.47″][et_pb_row make_fullwidth=”on” padding_mobile=”off” column_padding_mobile=”on” parallax_method_1=”off” admin_label=”row” _builder_version=”3.0.48″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ column_padding_mobile=”on” parallax=”off” parallax_method=”off”][et_pb_text admin_label=”Text” _builder_version=”3.0.87″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Stocks ended sharply lower Friday after weaker than expected data in China and Europe exacerbated concerns of a global economic slowdown. The Dow lost 496 points, falling to its lowest
- [Time to yield?](https://futurewealthllc.com/1267-2/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.0.47″][et_pb_row make_fullwidth=”on” padding_mobile=”off” column_padding_mobile=”on” parallax_method_1=”off” admin_label=”row” _builder_version=”3.0.48″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ column_padding_mobile=”on” parallax=”off” parallax_method=”off”][et_pb_text admin_label=”Text” _builder_version=”3.0.87″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Time to yield? If there is one thing the last few months in the stock market has taught us – it is time to look ahead to what else could
- [Here is a lesson for all of us](https://futurewealthllc.com/here-is-a-lesson-for-all-of-us/) - Earlier this week, Payless Shoesource, a company that is just emerging from bankruptcy, with nothing to lose, pulled off a reverse of a bait-and-switch operation in an event held in Santa Monica, California. Payless took over a former Armani store, renamed the retail location as "Palessi," and stocked the outlet with its discount-priced boots, heels,
- [When will the music stop? Answer - It may have already](https://futurewealthllc.com/when-will-the-music-stop-answer-it-may-have-already/) - Over the past month and a half, a slew of indicators - from Apple to Netflix and raw material manufacturers to chip makers, have signaled that expansion in major economies maybe decelerating. The concern is that equities and credit, already battered by trade wars, valuation fears and rising rates may be poised to deteriorate further
- [Auto Market is Struggling and California ain't helping](https://futurewealthllc.com/auto-market-is-struggling-and-california-aint-helping/) - Even as auto sales are clearly showing signs of a slowdown for the first time since the global financial crisis, California State Legislature passed a measure that will further dent the auto business come Jan 1, 2019. This is despite the fact that, on Tuesday this week, voters rejected a measure to undo recent increases to
- [Time to Vote](https://futurewealthllc.com/time-to-voteme-to-vote/) - It was another up and down week, during which we saw the market drop early and then make a climb back mid week until Apple’s earnings disappointed on Thursday taking the market down again on Friday. October wiped out all the gains for the year and if you are feeling bad about your portfolio as
- [Another lousy week awaits](https://futurewealthllc.com/another-lousy-week-awaits/) - Here is a sampling of the headlines this week - AMD Stock Crashes On Revenue Miss, Silicon Labs and STMicroelectronics Latest Chipmakers To Guide Lower, Texas Instruments Warns Of Slowing Demand, Amazon Stock Down As Results Miss On Top Line, Google Stock Falls As Revenue Misses, Snap Stock Down As Earnings Beat Estimates But Outlook Falls
- [Sometimes, safety is better than sexy](https://futurewealthllc.com/sometimes-safety-is-better-than-sexy/) - The last two weeks have been a wild ride in the global financial markets, with U.S. stocks sliding while Treasuries climbed. From technology to retailers, signs of price pressures are starting to show at U.S. companies, contributing to the worst October start for the S&P 500 since 2008. American equities fell the most, as concerns
- [Closing Time](https://futurewealthllc.com/closing-time/) - Another week, another hedge fund closure. Tourbillon Capital Partners, announced that it is closing his main fund after losses, acknowledging what many knew already - that the hedge fund model is broken. Tourbillion plans to return the more than $1 billion to investors at the end of the year. This follows the closure of Balyasny
- [October Surprise](https://futurewealthllc.com/october-surprise/) - Corporate results are one of the key indicators of economic growth. But, after consecutive quarters of near-record profit growth, companies are starting to lower expectations. With third-quarter earnings coming up in the next few weeks, US companies are cutting their outlooks at levels not seen since the first quarter of 2016. Almost 100 companies have
- [Strategy is to lift the stock price](https://futurewealthllc.com/strategy-is-to-lift-the-stock-price/) - General Electric Co. (GE), whose performance, both from a profit and stock price standpoint, has been dismal over the past decade, announced that its new boss could receive $21.3 million in annual compensation and earn shares worth more than $200 million -- but only if he manages to reverse the company’s deep stock slump. As
- [The Shady World of Pink Sheets and Non-Tradeable Investments](https://futurewealthllc.com/the-shady-world-of-pink-sheets-and-non-tradeable-investments/) - There are stocks that are listed and trade on the main exchanges and then, there are Pink Sheets stocks or Penny stocks. These are speculative stocks that should legitimately represent a share of ownership in a company that is not yet list on public exchange. Pink sheets are traded on an over-the-counter (OTC) market that connects
- [Chasing Returns](https://futurewealthllc.com/chasing-returns/) - Earlier this week, one of the most venerated venture capital (VC) firms - Kleiner Perkins Caufield & Byers announced that it is splitting in two, a surprise rupture that reflects the struggle to balance making smaller bets on young startups and major investments in companies that are soon to go public. The move is indicative
- [Gone in smoke](https://futurewealthllc.com/gone-in-smoke/) - By now, almost everyone has heard the latest in a series of weird behaviors from Tesla’s CEO, Elon Musk. Earlier this week, he went on a video podcast to discuss technology and ended up taking a “hit” i.e. smoked a joint violating very publicly the rules that he himself has written for all of Tesla’s
- [Here come the fat bonuses once again](https://futurewealthllc.com/here-come-the-fat-bonuses-once-again/) - Earlier this week, Merrill Lynch announced that it is nixing a ban on charging commissions in retirement accounts, marking a reversal for the Wall street brokerage that just a few years ago said fee-based services are better for clients. It is now clear that the reason Merrill ceased commission-based brokerage IRAs through its advisors few years ago was
- [ Broken Biz But Not for the CEO](https://futurewealthllc.com/broken-biz-but-not-for-the-ceo/) - The worst kept secret in retailing is that Sears is going under and will eventually be relegated to the history books. Earlier this week, Sears Holdings Corp. provided a list of 46 unprofitable stores, across 28 states, that it will close in November. The number includes 33 Sears stores and 13 Kmart stores. The struggling
- [Onto Boring Stocks](https://futurewealthllc.com/onto-boring-stocks/) - Following a wild week in which the VIX (Volatility Index) had two 10 percent spikes, and high-priced tech stocks whipsawed, the move to safety has begun. With the markets getting choppy, despite the prospect of further upside, investors are slowly but surely moving away from high risk, high return sectors such as Technology to more
- [And now, for a few more moments with Warren Buffett](https://futurewealthllc.com/and-now-for-a-few-more-moments-with-warren-buffett/) - Even as the major stock indices head toward all time highs despite the geopolitical issues that are hitting the news almost everyday, there is one person who appears to be taking a more sanguine approach. The sage - Warren Buffett, who rarely ever reveals what his next big investment is going to be, is telling
- [Damage tariffs have done to Emerging Markets](https://futurewealthllc.com/damage-tariffs-have-done-to-emerging-markets/) - Ever since Trump started the rhetoric around tariffs, emerging markets stocks, bonds and currencies have been selling off with issues ranging from global political uncertainty to currency headwinds. Two popular emerging market ETFs - Vanguard (VWO) and iShares (EEM) are down 4.9% and 5.3% respectively this year. In comparison, the Dow Jones Industrial Average is up
- [Smells fishy!](https://futurewealthllc.com/smells-fishy/) - Dozens of meal-kit options are now on the market, but none of them are profitable and many are teetering on the brink of bankruptcy. The pressure is growing for the larger players - Blue Apron Holdings Inc., HelloFresh and others. Earlier this month, one of them - Chef’d, ceased operations after it ran out of
- [Gone Truckin'?](https://futurewealthllc.com/gone-truckin/) - Even as Amazon continues its dominance, the stock is up 55% year to date compared to just 4.8% for the S&P 500, starting in mid June, some of its Prime members received an unexpected shock. Their Prime Membership annual fee had increased by 20% to $119 from $99. The announcement, had been deftly slipped into the
- [Who's Watching?](https://futurewealthllc.com/whos-watching/) - Helios & Matheson was a sleepy data analytics company when it acquired MoviePass, a service with just 20,000 subscribers. The MoviePass business model was simple. Members pay $9.95 a month to enjoy up to one movie a day. Their pitch is - see a movie every single day in theaters, pay only a monthly fee
- [Ready to Invest in Your Financial Portfolio?](https://futurewealthllc.com/ready-to-invest-in-your-financial-portfolio/) - Our expert financial planners are up to date on the rapidly changing markets, technology, and competitive pressures that have shattered the economics of traditional wealth management business.
- [Going Bankrupt!](https://futurewealthllc.com/going-bankrupt/) - Social Security has been a financial foundation that millions of retirees simply couldn't do without. More than three out of every five retirees count on the program for at least half of their monthly income. But this guaranteed payout is in some serious trouble according to a report released by the Social Security Administration Trustees
- [In Search of a Way Out?](https://futurewealthllc.com/in-search-of-a-way-out/) - Do you get the feeling that you have entered the twilight zone this week? Events certainly appear to point toward that - beginning with unprecedented wide spread tariffs that threaten to destabilize US and other countries, followed by a customer being refused service at a diner in Virginia, kids stranded in the border without parents,
- [Who is in the Circle?](https://futurewealthllc.com/who-is-in-the-circle/) - Earlier this week, President Donald Trump imposed $50 billion in tariffs on Chinese imports. China responded in kind. President Trump is now threatening up to $400 billion in additional tariffs, and China is vowing to retaliate again. He then threatened a 20 percent tariff on cars imported from the European Union unless the bloc removes
- [Bitcoin tests the greater fool theory once again](https://futurewealthllc.com/bitcoin-tests-the-greater-fool-theory-once-again/) - If you are holder of bitcoin, 2018 has not been pretty. The cryptocurrency has plunged nearly 30 percent in the last month, and more than 50 percent this year. CBOE Bitcoin futures have fallen nearly 70 percent from their December high of $20,500. Despite the move, believers are standing by their 2018 year-end price target
- [Not another ETF!](https://futurewealthllc.com/not-another-etf/) - Ever since mutual funds and more recently, ETFs were created, there has been a flood of new funds and ETFs being launched almost every month. Many fade away after a few years due to poor performance but that has not stopped asset managers from launching new products to attract new money. The latest is
- [Good for equities, bad for bonds?](https://futurewealthllc.com/good-for-equities-bad-for-bonds/) - Announced earlier this week, U.S. job growth in May 2018 vaulted payroll gains above 1 million in 2018, reaching the milestone a month earlier than in the past two years. Employers added 223,000 jobs last month, more than forecast and bringing payroll gains for the year to 1.04 million. The jobless rate fell to 3.8 percent
- [Tesla has a Musky odor](https://futurewealthllc.com/tesla-has-a-musky-odor/) - Earlier this week, Elon Musk, CEO of Tesla revealed that the much hyped mass market Model 3 will not be a mass market car after all. Conceding that the company would “lose money and die” if it were to build a $35K car, Musk admitted that even $50K price tag was out of reach and
- [In defense of old school](https://futurewealthllc.com/in-defense-of-old-school/) - Li Ka-shing has done what few others, correction, only one other person has been able to do - post better than 20% returns over 45 years. In a career of 60-plus years, he has built a conglomerate that ranges from property development to utilities, from telecommunications to retail, and from aircraft leasing to life sciences. Since the initial public
- [Is IPOs for you?](https://futurewealthllc.com/is-ipos-for-you/) - Scanning regulatory filings for the next hot initial public offering (IPO) is often seen as too hard and waste of time. But reading the S-1 filings often gives insight into management and the inner workings of the company before the first earnings calls. With good research into the S-1, one may be able to identify
- [What do we want the GDP to be?](https://futurewealthllc.com/what-do-we-want-the-gdp-to-be/) - China has been widely accused of currency manipulation in its attempt to prop up the yuan. But, it is also becoming increasingly clear that China has been rigging its GDP numbers. China’s first quarter GDP numbers came out few weeks ago at 6.8%, exactly the same as the quarter before (Q4 2017) and the quarter
- [India botches currency roll out once again](https://futurewealthllc.com/india-botches-currency-roll-out-once-again/) - In an attempt to replace the 10 rupee note ($0.15) that has more than five billion in circulation with a 10 rupee coin, India once again botched the transition and clogged up parts of the economy that still operates on a cash basis. India’s central bank - The Reserve Bank of India issued not one
- [Which one of you did not get a scholarship?](https://futurewealthllc.com/which-one-of-you-did-not-get-a-scholarship/) - In an article earlier this week in the Wall Street Journal, it was revealed that hundreds of colleges and universities are using scholarships and merit based financial aid as tool to attract students to their programs. At Tulane University in New Orleans, 39% of undergraduates secured scholarships without showing the need for financial aid. At
- [Raising or Lowering Fees..what is it?](https://futurewealthllc.com/raising-or-lowering-fees-what-is-it/) - Earlier this week, Fidelity Investments announced that it is overhauling what it charges affluent clients for financial advice. Some new customers will pay less than they would today and some will pay more, according to regulatory filings. Current Fidelity customers will pay the same or less because the firm will grant waivers to keep existing
- [Ready to buy a car from a vending machine?](https://futurewealthllc.com/ready-to-buy-a-car-from-a-vending-machine/) - Here is a novel idea - Buy a new car without ever speaking with salesperson or visiting a dealership. You can even test drive the car for three days. All this from a vending machine. It is true. Alibaba (BABA) opened the first of several such vending machines across China in an attempt to expand
- [Q1 S&P return was dismal, but on to more serious problems](https://futurewealthllc.com/q1-sp-return-was-dismal-but-on-to-more-serious-problems/) - As Wall Street comes to grips with the first quarterly loss for the S&P 500 since Q3 2015, we turn our attention to more serious problems in two countries that are destroying people’s day to day lives. In Venezuela, quadruple-digit inflation and shortages of food and medicine has brought the country to its knees. Venezuela's
- [Its a "Moment of Truth" in Financial Markets](https://futurewealthllc.com/its-a-moment-of-truth-in-financial-markets/) - For the second time this month, U.S. equities sold off as the Trump administration announced sweeping tariffs that threaten global trade. Despite solid economic fundamentals, selling in certain sectors was widespread on the threat of a simmering trade war. Financials, a beneficiary of increasing interest rates, sold off the most. Industrials, specifically aircraft makers -
- [Here we go again!](https://futurewealthllc.com/here-we-go-again/) - A decade ago this week, Bear Stearns got sold for $2 per share to JP Morgan Chase and six months later Lehman Brothers folded and went out of business. Regulators promised to prevent a repeat and began a process of instituting controls - more reserves, restrictions on risk taking and higher capital requirements to avoid another crisis. But
- [Protectionism - Hallmark of The New World Order](https://futurewealthllc.com/protectionism-hallmark-of-the-new-world-order/) - China’s decision last week to repeal presidential term limits and allow Xi Jinping to extend his tenure for his lifetime follows Vladimir Putin’s successful sidestepping of term limits in Russia earlier this decade. These two countries have clearly stamped their “authoritarian models” on their world order. Business terrain in both these countries has shifted with greater
- [Going Electric? Anyone?](https://futurewealthllc.com/going-electric-anyone/) - By all accounts, electric cars are by far the most revolutionary innovation to have swept the automotive industry in the past century. While some may argue there have been lots of innovations - four wheel drive, seat belts, disc brakes etc., the fact remains that, in the most basic terms, the cars being sold today
- [And Now - A Few Words from the Sage](https://futurewealthllc.com/and-now-a-few-words-from-the-sage/) - Every February, the most anticipated event, outside of the Superbowl, is the publication of Warren Buffett's annual letter to Berkshire Hathaway’s (BRK.A and BRK.B) shareholders. For the past four decades, these letters have become gospel for investors as well as businessmen and leaders alike. The 2017 letter, that was sent earlier this week to Berkshire
- [Fainting Goat Syndrome](https://futurewealthllc.com/fainting-goat-syndrome/) - After tumbling earlier this month, shares of manufacturers to banks to energy companies are rebounding together, a sign that could lead to more turbulence ahead. The 11 S&P sectors rarely move in tandem but recently, the three month rolling correlation between these sectors rose to 0.73, more than double of 0.37 from last year. (Correlation
- [Will the rollercoaster ride end?](https://futurewealthllc.com/will-the-rollercoaster-ride-end/) - The U.S. stock market plunged Monday, with the Dow Jones falling nearly 1,600 points at one point, the biggest single day drop in its history. It then turned around and regained 567 points on Tuesday. The whipsawing continued for the rest of the week. At the close on Friday, the Dow, S&P 500 and Nasdaq all finished the
- [Crisis? What Crisis?](https://futurewealthllc.com/crisis-what-crisis/) - On Friday, the Dow Jones Industrial Average plunged 666 points as a strong employment report sent Treasury yields toward 3 percent. The S&P 500 ended an unprecedented streak of going without a major pullback. Everything from stocks to bonds and commodities fell. Treasuries sank, with 10-year yields jumping to the highest level since 2014. And
- [Trying hard to be unprofitable?](https://futurewealthllc.com/trying-hard-to-be-unprofitable/) - Earlier this week, United Airlines posted fourth-quarter profit topping estimates with United's revenue for each seat it flew a mile, rising 0.2 percent, up from a previous forecast of no growth year over year. The airline forecast earnings per share of between $6.50 and $8.50 for 2018, from $7.02 a share in 2017, lending credibility
- [Fire Sale Includes the Store as well](https://futurewealthllc.com/fire-sale-includes-the-store-as-well/) - “Everything Must Go” sign at a retail store did not always mean stores were closing for good but instead was usually a sign of a massively discounted sales promotion over Thanksgiving or other holidays. But, as Bob Dylan wrote in 1964 - “The times they are a-changin'.” Now, “everything must go” sign means not only
- [Impartial Advice Kills the Bonus](https://futurewealthllc.com/impartial-advice-kills-the-bonus/) - Here is an excerpt from the front page of the Wall Street Journal on Jan 11, 2018 - “Investors who seek advice from discount brokerage firms might assume the counsel they get is impartial, given how these firms have rejected the old Wall Street model of working on commissions. In fact, advisers at some of
- [Investment Outlook for 2018](https://futurewealthllc.com/investment-outlook-for-2018/) - Even as all eyes are on the upcoming tax reform, income gains and confidence in the economic outlook has prompted Americans to open their wallets this holiday season. Buoyant financial markets, modest inflation and low unemployment have all been major contributors as well. Despite the assault of Amazon on brick and mortar retail stores, Walmart, Nordstrom,
- [Knowing when to stay away](https://futurewealthllc.com/knowing-when-to-stay-away/) - Knowing when to stay away Bitcoin’s wild ride this week—trading between $10,000 and $20,000 has garnered global attention on the cybercurrency. Few pundits have even begun to dub bitcoin as "digital gold" because of the fact it has a finite supply and has, at times, seen price rises due to geopolitical tensions. Venezuela said it
- [In Search of Normality](https://futurewealthllc.com/in-search-of-normality/) - Just when you think the market cannot go any higher without a correction, the markets bounced back yet again to record highs this week. While it is true that possibility of tax reform and appointment of a new Fed Chair have buoyed the markets, the underlying economic data has been positive as well sending the
- [The Power of Low Correlation Investing](https://futurewealthllc.com/the-power-of-low-correlation-investing/) - This week has been a choppy one on Wall Street. In an uncertain market, a well diversified portfolio across different geographies, sectors and asset classes is what the doctor ordered. However, intuition and guesses are not always the best way of finding diversification opportunities. A more analytical way would be to look at correlation coefficients
- [Are Junk Bonds just Junk?](https://futurewealthllc.com/are-junk-bonds-are-just-junk/) - High-yield bonds have become a hot story in the last few months, with many market participants wondering what the effect might mean on the broader market. DoubleLine Capital LP’s Jeffrey Gundlach and others have cited declines in high-yield bonds as a sign that U.S. stocks are poised to fall. The conclusion hinges on the relationship
- [To Spend or Save?](https://futurewealthllc.com/to-spend-or-save/) - Even as financial markets hit new highs every week, the trend in savings has dropped to 10 year low of just 3.1%, from a recent peak of 6.3% in October 2015. But it has not always been this bad. From 1950 to 2000, it averaged about 9.8%. It peaked in May 1975, hitting 17% before
- [Q3:17 Earnings Recap](https://futurewealthllc.com/q317-earnings-recap/) - Thursday afternoon this week produced key Q3:17 earnings results from Amazon, Alphabet, Intel, and Microsoft - and all reporting earnings beating expectations across the board. Google's parent company Alphabet beat expectations on third-quarter results, with $27.77 billion in revenue, up 24% from a year ago. Intel beat analyst expectations in its third-quarter earnings report with revenue
- [Risk vs Return](https://futurewealthllc.com/risk-vs-return/) - Finishing the week were all three indices posting record closing highs, extending their recent run of records, and the Dow, which broke above 23,000 this week, registered a sixth week of gains while the Nasdaq posted four weeks of gains. Initial jobless claims, a way to measure layoffs, sank by 22,000 to 222,000 in the
- [Grinding to a halt](https://futurewealthllc.com/grinding-to-a-halt/) - Last week, UK’s budget airline - Monarch Airlines went belly up stranding 100,000 passengers across Europe. Germany’s budget airline - Air Berlin filed for bankruptcy few months ago. For several weeks now, Irish carrier Ryanair has been cancelling thousands of flights. Things are not much prettier stateside. The US airline industry has reported negative net
- [Another day in America - Another shooting and an Another data breach](https://futurewealthllc.com/another-day-in-america-another-shooting-and-an-another-data-breach/) - Just as the frequency and intensity of shootings in America seems to be picking up with every passing year, the size and scope of data breaches appears to be keeping pace. Target’s data breach in 2013 that put 70 million customer accounts at risk seems lame when compared to Equifax’s breach earlier this year of
- [Impact of Tax Reform](https://futurewealthllc.com/impact-of-tax-reform/) - The tax plan that the President touted at its official unveiling earlier this week has winners and losers. While the plan is thus far scant on details and revenue projections, it appears to be designed to win over Main Street and Wall Street. But, the biggest fight over it could come on K Street
- [Investment Outlook for the Next 100 Years](https://futurewealthllc.com/investment-outlook-for-the-next-100-years/) - At a time when the Dow Jones industrial Average (DJIA), a widely watched index of 30 large U.S. company stocks, has been hitting records along with other indices, earlier this week, the famously optimistic, but usually quiet and conservative Warren Buffett, predicted that the Dow Jones Industrial Average will be over 1 million in 100 years, up
- [$1000 for a smartphone?](https://futurewealthllc.com/1000-for-a-smartphone/) - Consumer Electronics products have traditionally fallen in price in the years after their introduction. Economies of scale, lower component costs, integration of features etc., all offer the potential to reduce the cost and the price, even with incremental features added to enhance the product’s characteristics and functionality from the original version. This paradigm was true
- [Is that a black swan in the horizon?](https://futurewealthllc.com/is-that-a-black-swam-in-the-horizon/) - Investors have weathered the political gyrations and the turbulence in economic conditions all year. But, as we get into September and the last quarter of 2017, fears and anxieties from the past, appear to be catching up. Bad memories from the infamous Black Monday in October 1987 and start of the financial crisis in September 2008 are
- [Is Bitcoin the  Future of Money?](https://futurewealthllc.com/is-bitcoin-the-future-of-money/) - Gold has traditionally been a safe haven in tumultuous times. But even as gold investors are taking comfort from the recent rise in price in response to geopolitical tensions, the price movement of gold has been weaker than would have been expected from historical models. Many attribute the difference to the growth of crypto-currencies which
- [Expectations vs Reality](https://futurewealthllc.com/expectations-vs-reality/) - The Russell 2000 index of small-cap stocks which surged 14% from November 8th through end of 2016 beating the S&P 500 index, and continued its climb into 2017, has been selling off as their prospects have been dimmed by the turmoils in the Trump administration. U.S. small-cap equity funds saw outflows of $950 million in the past
- [To Play or Not to Play](https://futurewealthllc.com/to-play-or-not-to-play/) - Global technology companies like Amazon, Apple, Facebook and Google dominate their markets, from e-books and smart phones to search advertising and social-media. These companies have taken the winner-take-all approach and have left several competitors in the dust. Their dominance is indisputable. Google’s share of U.S. internet search advertising is about 88 percent. Facebook accounts for about
- [Investment Outlook for 2H:2017](https://futurewealthllc.com/investment-outlook-for-2h2017/) - With markets on edge over North Korea, it is worth looking at Q2 2017 earnings and taking a look at what is in store for Q3 2017, aside from the rising tensions in the Korean peninsula. While most sectors reported solid Q2 17 earnings and sales, few sectors exceeded expectations. Technology - Stellar results from
- [Going Against the Grain](https://futurewealthllc.com/going-against-the-grain/) - Contrarian is an investment style that goes against prevailing market trends by buying poorly performing assets and then selling when they perform well. Contrarian investing also emphasizes buying out of favor securities with low P/E ratios. With the market at all time highs driven primarily by growth stocks, the contrarian view of shifting assets from
- [Fed's Looming Challenge](https://futurewealthllc.com/feds-looming-challenge/) - In their much anticipated meeting this week, the Fed did what Wall Street wanted - Do Nothing. It kept its key interest rate steady and decided to wait at least a couple more months before starting to scale back its $4.5 trillion balance sheet. This was interpreted as a signal from policymakers that they aren't
- [2H 2017 Outlook - In Search of Value?](https://futurewealthllc.com/2h-2017-outlook-in-search-of-value/) - As the major indices hit new highs, protection against sharp declines in the market has become a priority. The first half of 2017 has been one of the strongest for the financial markets. The S&P 500 posted a return of 9.34% in 1H 2017 and has since continued to climb hitting 11.71% year-to-date. Likewise, the
- [Peek into China's Housing Bubble](https://futurewealthllc.com/peek-into-chinas-housing-bubble/) - Average prices of new homes in cities in China continues to climb to astronomical levels but that has not slowed down home buyers. In cities like Hong Kong, Shenzhen, Beijing and Shanghai, home price to income ratio is a staggering 40:1. Yet, home prices continue to rise at an average pace of ~11% from last year.
- [1.3 billion reasons for the chaos](https://futurewealthllc.com/1-3-billion-reasons-for-the-chaos/) - Last week, Prime Minister Narendra Modi launched India’s biggest tax reform in its 70 year history, as businesses and citizens across the country steeled themselves for the economic turmoil that’s expected to follow. The new goods and services tax (GST) was formally ushered in at a late night session of parliament, throwing the country into
- [The What Ifs?](https://futurewealthllc.com/the-what-ifs/) - At Berkshire Hathaway's annual meeting last month, Warren Buffett conceded that he missed an opportunity on Amazon and made a mistake by not buying Google shares. When probed as to why he didn’t buy shares on these two companies, he summed it up in one word - “Stupidity”, said Buffett. He admitted that it
- [More UPS Trucks in your streets?](https://futurewealthllc.com/more-ups-trucks-in-your-streets/) - The impact of Amazon buying Whole Foods on other food retailers such as Kroger, Walmart, Costco etc. has been dissected ad nauseam in news over the past week. But, this deal has stirred up secondary effects on other companies. Walmart is now telling its vendors that if they want its business, they can’t run applications for the
- [Being Fooled by Recency Bias?](https://futurewealthllc.com/being-fooled-by-recency-bias/) - As we enter the 8th year of the bull market, confidence in Wall Street is at an all time high. Market downturn is a distant memory. In academic circles, this optimism is called recency bias. Just as we expect Steph Curry to nail his next three pointer because he drained his last 25 without missing, the assumption that
- [Its a Dark Day in Paris](https://futurewealthllc.com/its-a-dark-day-in-paris/) - The president's decision to pull the US out of the Paris Agreement hardly impacted the stock indices this week. But, the uproar from the biggest names in technology — from Apple to Amazon, Google, Tesla among others — has only begun. Many believe that withdrawing from the landmark deal signed by 195 nations with only three
- [Its Lunch time - Sit down or To Go?](https://futurewealthllc.com/its-lunch-time-sit-down-or-to-go/) - Traditional lunch eateries are finding it hard to survive as increasingly consumers are eating out less, bringing leftovers or simply buying lunch “to go” and taking it back to their office desks. The one hour lunch breaks that fostered the quaint custom of office goers carpooling themselves to a local eatery is quickly becoming as
- [How the Media and Markets Conspire to Thwart Retirement Savers](https://futurewealthllc.com/how-the-media-and-markets-conspire-to-thwart-retirement-savers/) - The S&P recently released a study showing how the index beat active managers over the last 15 years. This attention to index investing may be diverting retirement savers from their real goals. “The media’s focus on market returns is highly distracting,” says Dana Anspach, Founder and CEO of Sensible Money, LLC in Scottsdale, Arizona. “Your
- [Trump Train Derails Q1:17 Earnings](https://futurewealthllc.com/trump-train-derails-q117-earnings/) - With Q1 2017 corporate earnings season pretty much done, both earnings and revenue growth numbers have been impressive. Earnings per share (EPS) growth of 14.9% was the highest growth rate since Q3 2011. The revenue growth rate came in at 7.8 percent, marking the highest year-over-year growth reported by S&P 500 companies since the fourth quarter
- [The Dirty Little Secret](https://futurewealthllc.com/the-dirty-little-secret/) - Last week, Morgan Stanley slammed the door on placing Vanguard mutual funds in client portfolios. Morgan Stanley’s decision follows a similar one instituted last year by Merrill Lynch to forbid new sales of Vanguard mutual funds. The brokerage arms of Wells Fargo & Co. and UBS Group AG, two of the other big traditional brokerages, will likely
- [To DJIA or Not?](https://futurewealthllc.com/to-djia-or-not/) - The Dow Jones Industrial Average (DJIA) is widely regarded as the barometer of blue chip stocks and becoming a part of the DJIA is a validation for any publicly listed company. But, Amazon, which has been public for nearly 20 years and has forced a number of industries to evolve or face extinction, has yet
- [Asset Allocation in a Single Fund](https://futurewealthllc.com/asset-allocation-in-a-single-fund/) - By Brian O'Connell, US News & World Report Contributor | April 24, 2017 Are so-called single-asset allocation plans a better deal than going out and building your own retirement asset allocation program out of individual funds? Some reputable financial industry insiders think so. A 2014 study from John Hancock shows that retirement plan participants “who invested exclusively in a
- [Mega Successes or Mega Flops?](https://futurewealthllc.com/mega-successes-or-mega-flops/) - Earlier this week, Verizon Communications reported its Q1 2017 results that missed Wall Street estimates and said it lost subscribers who pay a monthly bill despite its launch of unlimited data plans. Already in the middle of a mega merger with Yahoo, the company tried to placate Wall Street by announcing that it is now open
- [VIX Points to Fear or Fake News?](https://futurewealthllc.com/vix-points-to-fear-or-fake-news/) - While most investors follow the movement of the Dow Jones Industrial Average (DJIA), S&P 500 and the Nasdaq, a little know indicator called the VIX has been getting a lot of attention lately. The VIX or the volatility index, also known as the fear index, measures the implied volatility of options on the S&P 500. A
- [Game over for cable and satellite?](https://futurewealthllc.com/game-over-for-cable-and-satellite/) - In 2008, US cable subscribers had 129 channels to choose from, and they watched an average of 17 channels in a given week. Five years later, they had 189 channels, and were still watching only 17 channels. With cable bills at ~$125 per month, simple math says customers were paying ~$7 per month per channel
- [The Credibility Gap](https://futurewealthllc.com/the-credibility-gap/) - Most concur that the US economy, that has experienced slow and steady growth since the financial crisis, will now require new catalysts to move further ahead. And financial markets appear to be on the verge of pivoting from being economic data and earnings growth driven to being policy driven in search of these new catalysts. This puts
- [Shift to Bonds Now?](https://futurewealthllc.com/shift-to-bonds-now/) - With the recent hike in interest rates, bonds yields have continued to rise. The 10 year treasury yield hit 2.5% last week and surpassed the 2% dividend yield of the S&P 500. While hike in interest rates and rising bond yields suggest a strengthening of the economy, it also could signal a potential shift in
- [Future of Retail Banking](https://futurewealthllc.com/future-of-retail-banking/) - Despite the rising popularity of online and mobile banking, you can find large banks still having a brick and mortar presence. In big cities, you would find these bank branches clustered as close together as Starbucks coffee shops. In New York, there are 20 bank branches within six blocks on Madison Avenue. The justification from
- [ When was the last time you shopped at JC Penney?](https://futurewealthllc.com/when-was-the-last-time-you-shopped-at-jc-penney/) - Or Sears or KMart? It is widely known that Sears Holdings is closing 150 of its Kmart and Sears stores this year and Macy's is shuttering 68 of 100 locations. JC Penney has closed 90 stores in the last four years and expects to close 300 more stores as it adjusts to life as a smaller
- [Problems at Cult Mansion](https://futurewealthllc.com/problems-at-cult-mansion/) - In every decade, there are handful of stocks that get a cult following. The company’s earnings, strategy and vision do not support the high valuations and stock prices but yet, these stocks continue to defy gravity. In this report, we examine three companies that had been boosted by cult following and are now likely headed
- [Black Monday - Part Deux?](https://futurewealthllc.com/black-monday-part-deux/) - As the financial markets continue to roar with boundless optimism, a look back 30 years ago to a similar bull run paints a much more sobering view. 1987 had been a strong year for the stock market, as it continued the bull market that began in 1982. However, there were some warning signs. There was
- [Investing Internationally](https://futurewealthllc.com/investing-internationally/) - With the stock markets in the US hitting all time highs almost every day, the question on everyone’s mind is when will the rally end and where else to invest to reduce risk in one's portfolio. Here is a recap of US economic data. All the signs point to improving strength in the US economy prompting
- [Fool's Gold](https://futurewealthllc.com/fools-gold/) - As the earnings season comes to end with most of the major US companies having reported Q4:16 results, a look at fourth quarter corporate profits reflects an increase of 4.6 percent, with 2017 forecasted to show earnings growth of 11.1 percent on a 5.8 percent increase in revenue. In addition to good corporate results, the
- [Top Down Amateurism](https://futurewealthllc.com/top-down-amateurism/) - Trump’s first week has given everyone a sign of things to come for the next four years. He has imposed a massive travel ban preventing tourists from 7 countries to enter the US, blasted the Mexican President, hung up on the call with Australian PM and prayed for Arnold Schwarzenegger’s Apprentice show ratings at the
- [Economics of Uncertainty](https://futurewealthllc.com/economics-of-uncertainty/) - The prevailing theory among economists is that uncertainty and the unknown will make consumers less confident about their prospects and more cautious with spending. This would mean that uncertainty should act as a drag on growth. But in the past six months, amidst an uncertain political environment both in UK and US, economic growth has flourished
- [Davos or D.C.?](https://futurewealthllc.com/davos-or-d-c/) - This week was a big week for economists and world leaders who congregated in the quaint swiss town of Davos to participate in the World Economic Forum (WEF). While many flocked to listen to the elite speak about economic global outlook, major political concerns, new ideas and conversations that could have global impact in 2017,
- [Investing in Stars of the Past](https://futurewealthllc.com/investing-in-stars-of-the-past/) - In every one of the past 3-4 decades, we have had one or two noteworthy companies that revolutionized the landscape through innovative products and consequently has seen its stock outperform its peer group and the entire industry. In the 80s, it was Microsoft. Cisco was the darling in 90s and Apple was prohibitive favorite in 2000-10
- [Tweets: Method or Madness?](https://futurewealthllc.com/tweets-method-or-madness/) - With just 2 weeks till Trump assumes the Presidency, his unorthodox mode of communication continues unabated, wading into topics and subjects, large and small with little to no depth or subtlety. On Tuesday, Ford Motor said it will cancel a planned $1.6 billion factory in Mexico and invest $700 million at a Michigan factory after
- [What A Money Mess!](https://futurewealthllc.com/what-a-money-mess/) - In the past month, we have had two currency disasters in two different countries. Both were arguably aimed at preventing contraband “mafias” and black money hoarders who have evaded paying tax for years. But the end result has been an absolute disaster that could have long term repurcussions. In November, India, primarily a cash economy,
- [Will ObamaCare Be Repealed?](https://futurewealthllc.com/will-obamacare-be-repealed/) - Now that most of nation has gone through the five stages of grief following Trump’s victory, its time to switch our focus to the first item that is likely on his list come January 2017. The odds are that repealing ObamaCare would be high on the list. Mitch McConnell, who famously said on the first day
- [Can the Market Rally Continue?](https://futurewealthllc.com/can-the-market-rally-continue/) - The only thing as surprising as Trump’s victory is the stock market rally that has followed. Most predicted a plunge in the stock indices if he were to win, but instead we are witnessing all time highs being chalked up in the market almost every day. While much of the recent runup in the stock market
- [Dense Fog of Uncertainty](https://futurewealthllc.com/dense-fog-of-uncertainty/) - Since Trump got elected as the next president last week, everyone has been trying to figure out - how did this happen? Some have blamed Hillary, others point to the working class white voters, still others lament that there not enough turnout of minorities, FBI's ill timed announcements etc. But there could be another reason which
- [Will America Ever Be the Same Again?](https://futurewealthllc.com/will-america-be-the-same-ever-again/) - If you feel you have entered the twilight zone when you woke up on Wednesday this week, you are not alone. In the mid-1600s, a physicist named Blaise Pascal coined the term – Pascal’s Wager, a game theory concept, in which he proposed that given the choice between believing in God and not, believing is
- [Can Trump Trip The Markets?](https://futurewealthllc.com/530-2/) - The idea of a possible Trump presidency has rocked the markets this week. What started a late night fodder for the comedians year ago when he first put forth his nomination is now on the verge of turning into a massive nightmare for investors. Given his extreme views, everything from the Mexican Peso to US
- [Showing Your FANGs](https://futurewealthllc.com/showing-your-fangs/) - Last week, we discussed the prospects of Netflix and Amazon among others. Netflix and Amazon are just two of the group of four companies known as the FANG - Facebook, Amazon, Netflix and Google. In this report, we will take a look at Facebook and Google. Google has universally established itself as the “goto” search
- [Have you cut the cord yet?](https://futurewealthllc.com/have-you-cut-the-cord-yet/) - Disruption in TV viewing began with the VCR whereby consumers did not have to watch TV live and could record the programs for later viewing. Since then, we have come a long way to possibly the next major disruption - one does not need cable or satellite subscription to watch TV programs. Popularly known as
- [Bigger Cracks Forming in the Chinese Economy](https://futurewealthllc.com/bigger-cracks-forming-in-the-chinese-economy/) - When Brexit happened earlier this year, most pundits brushed it aside by stating that the impact would be minimal. Certainly, the impact on US economy will likely be minimal but we are now witnessing the real impact Brexit could have on global growth. China, earlier this week, reported that its exports fell by 10% in
- [Fee Party is Coming to an End](https://futurewealthllc.com/fee-party-is-coming-to-an-end/) - Earlier this week, Blackrock announced that it is dropping its expense ratio on 15 ETFs to 0.05% or less in most cases. Yesterday, Charles Schwab countered by lowering its fees in 5 of its ETFs. Also, happening this week was Merrill Lynch's announcement that it will end commissions on trades in the retirement accounts and
- [Fighting Violence in America](https://futurewealthllc.com/fighting-violence-in-america/) - After the San Bernadino shootings last December, the headlines next day was “Another day, another shooting in Gun-Crazy USA”. Since then, random shootings, police shootings and mass shootings have become so common place that one day without any of these shootings is a day for celebration. How did this country descend into such a state
- [Wealth Management - Plan Today, Profit Tomorrow](https://futurewealthllc.com/wealth-management-plan-today-profit-tomorrow/) - Many people look to the stock market and other financial instruments as a way to secure their retirement.
- [Why Comcast Wireless is a Bad Idea](https://futurewealthllc.com/why-comcast-wireless-is-a-bad-idea/) - In a seminal management article published in 1990 titled “Core Competence of an Corporation”, authors C. K. Prahalad and Gary Hamel highlighted the importance of developing a competence which enables introduction of a product that benefits the customer, and that are difficult for competitors to imitate. In their book, "Built To Last - Successful Habits
- [Build Your Retirement Fund by Changing Your Car-Owning Habits](https://futurewealthllc.com/build-your-retirement-fund-by-changing-your-car-owning-habits/) - What's the biggest obstacle to an early or comfortable retirement? Your car, which sucks up money that could multiply many times over in a good retirement account. Unless, of course, you are already limiting your driving costs to the bare minimum. "Kicking the habit of purchasing expensive cars early in life can not only save extra
- [Wall Street Slang](https://futurewealthllc.com/wall-street-slang/) - There are quite a few terms often used in Wall Street that make no sense to anyone else. Now, we are finding that these terms make no sense to even those who work on Wall Street. Let’s start with a few often used terms that in current markets have largely become irrelevant. Buy on the
- [Amazon Taking Aim at Auto Dealers?](https://futurewealthllc.com/amazon-taking-aim-at-auto-dealers/) - Last month, we analyzed the Amazon generation (see the article at https://futurewealthllc.com/the-amazon-generation/). Since then, Amazon stepped into another area that could bring the end to the brick and mortar auto dealer shops. Last week, Amazon announced Amazon Vehicles. While the initial step is to offer car research similar to those found in Edmunds.com and other car
- [Striking It Rich in Real Estate?](https://futurewealthllc.com/striking-it-rich-in-real-estate/) - Buying real estate has become more than just finding a place to live. Investing in real estate has become increasingly popular over the last 50 years and has become a common investment vehicle. The average homeowner in the US typically has a significant portion of their net worth tied up in real estate. In most cases,
- [Brexit - Should We Care?](https://futurewealthllc.com/brexit-should-we-care/) - Britain's decision to exit the European Union is quite easily the most visible head scratching event this year outside of Ryan Lochte’s Hollywood Style episode at a Rio gas station. While the exit matters greatly to Europe, does it matter to America and more importantly to investors in the US? We examine the fallout in
- [The Amazon Generation](https://futurewealthllc.com/the-amazon-generation/) - Ten years ago, thousands of Blockbuster Video stores occupied buildings all over the country, renting DVDs and selling popcorn. Today, all the stores are gone. The company’s shares that once traded for $30 was sold in a bankruptcy auction. That movie is now playing again with the brick and mortar stores still in existence. Earlier
- [Why Use a Financial Planner?](https://futurewealthllc.com/why-use-a-financial-planner/) - It seems that on our radios, televisions, and across the Internet, we are constantly inundated with ads telling us about various financial services that are available for our use.
- [Apple Stock Prediction: Will the Apple Fall from the Tree in Q4?](https://futurewealthllc.com/apple-stock-prediction-will-the-apple-fall-from-the-tree-in-q4/) - [et_pb_section admin_label=”section”][et_pb_row admin_label=”row” make_fullwidth=”on” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” column_padding_mobile=”on”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text”]August 3, 2016 Samantha Fischler is a Junior Financial Analyst at I Know First. Apple Stock Prediction: Will the Apple Fall from the Tree in Q4? Summary Apple released its 3rd quarter earnings at market’s close on Tuesday July 26
- [Business Or Politics?](https://futurewealthllc.com/business-or-politics/) - There are two key uncertainties facing investors now: Where are we in the business cycle? U.S. companies in their quarterly results revealed their largest annual profit decline since the recession, suggesting that the economy and stocks are moving toward the late-cycle phase. Productivity decline further crimps US economy's long term prospects. What will the presidential
- [No Interest Rate Hike till 2017?](https://futurewealthllc.com/no-interest-rate-hike-till-2017/) - [et_pb_section admin_label=”section”][et_pb_row admin_label=”row” make_fullwidth=”on” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” column_padding_mobile=”on”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text”]In the July 27th meeting, the Fed decided to leave interest rate unchanged but said that near term risks to US economy have diminished. But the GDP numbers that came out on Friday suggests to us that a rate
- [Take a Pass on the Gold Rush](https://futurewealthllc.com/take-a-pass-on-the-gold-rush/) - [et_pb_section admin_label=”section”][et_pb_row admin_label=”row” make_fullwidth=”on” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” column_padding_mobile=”on”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Deepening political and financial unrest in UK coupled with record low bond yields have driven gold prices to new highs. We have seen flight to gold in the past but most often it was
- [Dividend Growth Is Slowing Down](https://futurewealthllc.com/dividend-growth-is-slowing-down/) - [et_pb_section admin_label=”section”][et_pb_row admin_label=”row” make_fullwidth=”on” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” column_padding_mobile=”on”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Slower dividend growth can be hard, particularly for fixed-income retirees. By Jeff Brown | Contributor July 11, 2016, at 9:13 AM Investors who favor dividend-paying stocks have been getting some bad news recently: dividend growth
- [Investment Outlook for 2H:2016](https://futurewealthllc.com/investment-outlook-for-2h2016/) - [et_pb_section admin_label=”section”][et_pb_row admin_label=”row” make_fullwidth=”on” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” column_padding_mobile=”on”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Investment Outlook for 2H:2016 Recent weeks have brought much uncertainty to the markets, and it is our view that the volatility will likely continue into the second half of the year. In this report,

## Pages

- [Welcome to Future Wealth LLC](https://futurewealthllc.com/) - [et_pb_section fb_built=”1″ specialty=”on” custom_padding_last_edited=”on|desktop” parallax_method_1=”off” parallax_method_2=”off” admin_label=”Section” _builder_version=”4.16″ background_color=”#ffffff” background_image=”https://futurewealthllc.com/wp-content/uploads/2016/06/1-1.png” parallax=”on” parallax_method=”off” custom_padding=”200px||200px|” custom_padding_tablet=”50px|0|50px|0″ custom_padding_phone=”” box_shadow_style=”preset1″ transparent_background=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”off” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font=”||||||||” text_font_size=”22px” background_size=”initial” background_position=”top_left” background_repeat=”repeat” background_layout=”dark” use_border_color=”off” border_color=”#ffffff” border_style=”solid” global_colors_info=”{}”]Planning Your Future It’s one of the most important things we can do, but it’s also the most challenging. Here,
- [TV Appearances](https://futurewealthllc.com/tv-appearances/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ width=”100%” max_width=”100%” use_custom_width=”on” width_unit=”off” custom_width_percent=”100%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”TV Appearances” _builder_version=”4.16″ custom_margin=”|||55px” custom_margin_tablet=”|||10px” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” global_colors_info=”{}”]TV Appearances[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” module_class=” et_pb_row_fullwidth” _builder_version=”4.16″ width=”89%” width_tablet=”80%” width_phone=”” width_last_edited=”on|desktop” max_width=”89%” max_width_tablet=”80%” max_width_phone=”” max_width_last_edited=”on|desktop” module_alignment=”center” custom_margin_tablet=”” custom_margin_phone=”” custom_margin_last_edited=”on|desktop” make_fullwidth=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Video: Apple’s Stock is Plunging” _builder_version=”4.27.4″
- [Podcasts](https://futurewealthllc.com/podcasts/) - [et_pb_section fb_built=”1″ specialty=”on” _builder_version=”4.6.5″ _module_preset=”default”][et_pb_column type=”2_3″ specialty_columns=”2″][et_pb_row_inner _builder_version=”4.6.5″ _module_preset=”default”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”4.6.5″ _module_preset=”default”][et_pb_text _builder_version=”4.6.5″ _module_preset=”default”]Weekly Podcasts[/et_pb_text][et_pb_blog post_type=”podcast” show_thumbnail=”off” use_manual_excerpt=”off” excerpt_length=”0″ show_author=”off” show_categories=”off” show_excerpt=”off” _builder_version=”4.6.5″ _module_preset=”default” header_level=”h3″][/et_pb_blog][/et_pb_column_inner][/et_pb_row_inner][/et_pb_column][et_pb_column type=”1_3″][et_pb_sidebar _builder_version=”4.6.5″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″ orientation=”right”][/et_pb_sidebar][/et_pb_column][/et_pb_section] Share this: Share on X (Opens in new window) X Share on Facebook (Opens in new window) Facebook Share on LinkedIn (Opens in new
- [Pricing](https://futurewealthllc.com/pricing/) - [et_pb_section fb_built=”1″ specialty=”on” custom_padding_last_edited=”on|desktop” parallax_method_1=”off” parallax_method_2=”off” admin_label=”Section” _builder_version=”4.16″ background_color=”rgba(255,255,255,0)” background_image=”https://futurewealthllc.com/wp-content/uploads/2016/06/1-3.png” custom_padding=”200px||200px|” custom_padding_tablet=”50px|0|50px|0″ custom_padding_phone=”” box_shadow_style=”preset1″ transparent_background=”on” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”off” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” background_layout=”dark” use_border_color=”off” border_color=”#ffffff” border_style=”solid” global_colors_info=”{}”]Options to Fit Your Needs[/et_pb_text][/et_pb_column][et_pb_column type=”1_2″ specialty_columns=”2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”off” custom_padding__hover=”|||”][/et_pb_column][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ padding_mobile=”off” column_padding_mobile=”on” admin_label=”row” module_class=” et_pb_row_fullwidth”
- [About Us](https://futurewealthllc.com/about-us/) - [et_pb_section fb_built=”1″ specialty=”on” custom_padding_last_edited=”on|desktop” parallax_method_1=”off” parallax_method_2=”off” admin_label=”Section” _builder_version=”4.16″ background_color=”#ffffff” background_image=”https://futurewealthllc.com/wp-content/uploads/2016/06/2.png” custom_padding=”200px||200px|” custom_padding_tablet=”50px|0|50px|0″ custom_padding_phone=”” box_shadow_style=”preset1″ transparent_background=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”off” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” background_layout=”dark” use_border_color=”off” border_color=”#ffffff” border_style=”solid” global_colors_info=”{}”]What Really Matters[/et_pb_text][/et_pb_column][et_pb_column type=”1_2″ specialty_columns=”2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”off” custom_padding__hover=”|||”][/et_pb_column][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row module_class=” et_pb_row_fullwidth” _builder_version=”4.16″ width=”89%” width_tablet=”80%” width_phone=”” width_last_edited=”on|desktop” max_width=”89%”
- [Financial Planning](https://futurewealthllc.com/financial-planning/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” admin_label=”section” _builder_version=”3.22″ background_color=”#ffffff” custom_padding=”|||” custom_padding_tablet=”50px|0|50px|0″ custom_padding_phone=”” transparent_background=”off”][et_pb_row padding_mobile=”off” column_padding_mobile=”on” admin_label=”row” module_class=” et_pb_row_fullwidth” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”89%” width_tablet=”80%” width_last_edited=”on|desktop” max_width=”89%” max_width_tablet=”80%” max_width_last_edited=”on|desktop” make_fullwidth=”on”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Financial Planning Financial Planning means different things to different people. The options available are as varied as the
- [Our Approach](https://futurewealthllc.com/our-approach/) - [et_pb_section fb_built=”1″ specialty=”on” custom_padding_last_edited=”on|desktop” parallax_method_1=”off” parallax_method_2=”off” admin_label=”Section” _builder_version=”3.22″ background_image=”https://futurewealthllc.com/wp-content/uploads/2016/11/lg-1.jpg” custom_padding=”200px||200px|” custom_padding_tablet=”50px|0|50px|0″ custom_padding_phone=”” box_shadow_style=”preset1″ transparent_background=”off”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” parallax__hover=”off” parallax_method__hover=”off” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” background_layout=”dark” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Importance of Process[/et_pb_text][/et_pb_column][et_pb_column type=”1_2″ specialty_columns=”2″ _builder_version=”3.25″ custom_padding=”|||” parallax__hover=”off” parallax_method__hover=”off” custom_padding__hover=”|||”][/et_pb_column][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″][et_pb_row padding_mobile=”off” column_padding_mobile=”on” admin_label=”row” module_class=” et_pb_row_fullwidth” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”89%” width_tablet=”80%” width_last_edited=”on|desktop” max_width=”89%” max_width_tablet=”80%”
- [Contact Us](https://futurewealthllc.com/contact-us/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″][et_pb_row padding_mobile=”off” column_padding_mobile=”on” admin_label=”row” module_class=” et_pb_row_fullwidth” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”89%” width_tablet=”80%” width_last_edited=”on|desktop” max_width=”89%” max_width_tablet=”80%” max_width_last_edited=”on|desktop” make_fullwidth=”on” use_custom_width=”off” width_unit=”on”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.6.3″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ use_border_color=”off” border_color=”#ffffff” border_style=”solid” sticky_enabled=”0″]Contact US Future Wealth LLC Jay Srivatsa (408) 839-4430 PO Box 33187Los Gatos, CA 95031[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section] Share this: Share on X
- [Customer Risk Profile](https://futurewealthllc.com/customer-risk-profile/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ custom_padding=”183px|0px|0|0px|false|false”][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.4.8″ hover_enabled=”0″]Customer Risk Profile Please answer the following questions to evaluate your risk profile:[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”3.25″][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_divider divider_weight=”3px” _builder_version=”3.2.2″][/et_pb_divider][/et_pb_column][/et_pb_row][et_pb_row column_structure=”2_3,1_3″ _builder_version=”3.25″ custom_padding=”27px|0px|0|0px|false|false”][et_pb_column type=”2_3″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Form” _builder_version=”4.4.8″ hover_enabled=”0″]Please enable JavaScript in your browser to complete this form.First Name *Last Name
- [Portfolio Review & Survey](https://futurewealthllc.com/portfolio-review-survey/) - [et_pb_section fb_built=”1″ _builder_version=”3.22″ custom_padding=”183px|0px|0|0px|false|false”][et_pb_row _builder_version=”3.25″][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″]Portfolio Review & Survey Quarterly Portfolio Review Please answer the following questions to evaluate any changes to your investments:[/et_pb_text][et_pb_divider divider_weight=”3px” _builder_version=”3.2.2″] [/et_pb_divider][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.4.8″ hover_enabled=”0″]Please enable JavaScript in your browser to complete this form.First Name *Last Name *Date *Do you
- [In the News](https://futurewealthllc.com/in-the-news/) - [et_pb_section fb_built=”1″ _builder_version=”3.19.8″][et_pb_row make_fullwidth=”on” _builder_version=”3.19.8″ module_alignment=”center”][et_pb_column type=”4_4″ _builder_version=”3.0.47″][et_pb_text _builder_version=”3.21.1″]In the News[/et_pb_text][et_pb_blog fullwidth=”off” posts_number=”100″ include_categories=”11″ show_author=”off” show_categories=”off” _builder_version=”3.21.1″ header_font_size=”20px” z_index_tablet=”500″ border_width_all=”0px”][/et_pb_blog][/et_pb_column][/et_pb_row][/et_pb_section] Share this: Share on X (Opens in new window) X Share on Facebook (Opens in new window) Facebook Share on LinkedIn (Opens in new window) LinkedIn Share on Reddit (Opens in new window) Reddit Email
- [Company News](https://futurewealthllc.com/research/) - [et_pb_section bb_built=”1″ _builder_version=”3.19.8″][et_pb_row make_fullwidth=”on” _builder_version=”3.19.8″ module_alignment=”center”][et_pb_column type=”3_4″][et_pb_blog posts_number=”9″ show_more=”on” show_author=”off” fullwidth=”off” _builder_version=”3.21.1″ include_categories=”5,6,1,3″ header_font_size=”20px” z_index_tablet=”500″][/et_pb_blog][/et_pb_column][et_pb_column type=”1_4″][et_pb_sidebar show_border=”off” _builder_version=”3.19.8″] [/et_pb_sidebar][/et_pb_column][/et_pb_row][/et_pb_section] Share this: Share on X (Opens in new window) X Share on Facebook (Opens in new window) Facebook Share on LinkedIn (Opens in new window) LinkedIn Share on Reddit (Opens in new window) Reddit Email a
- [Investment Portfolio Planning](https://futurewealthllc.com/investment-portfolio-planning/) - [et_pb_section fb_built=”1″ specialty=”on” custom_padding_last_edited=”on|desktop” parallax_method_1=”off” parallax_method_2=”off” admin_label=”Section” _builder_version=”3.17.5″ background_color=”#ffffff” background_image=”https://futurewealthllc.com/wp-content/uploads/2018/11/CGP_5321-1024×681.jpg” custom_padding=”200px||200px|” custom_padding_tablet=”50px|0|50px|0″ transparent_background=”off” use_background_color_gradient=”on” background_color_gradient_start=”rgba(0,0,0,0.37)” background_color_gradient_end=”rgba(0,0,0,0.37)” background_color_gradient_overlays_image=”on” box_shadow_style=”preset1″][et_pb_column type=”1_2″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”off” parallax=”off” parallax_method=”off”][et_pb_text admin_label=”Text” _builder_version=”3.0.87″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” background_layout=”dark” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Planning for Your Future – Today[/et_pb_text][/et_pb_column][et_pb_column type=”1_2″ specialty_columns=”2″ _builder_version=”3.0.47″ parallax__hover=”off” parallax_method__hover=”off” parallax=”off” parallax_method=”off”][/et_pb_column][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.0.47″][et_pb_row make_fullwidth=”on” padding_mobile=”off” column_padding_mobile=”on” parallax_method_1=”off” admin_label=”row” _builder_version=”3.0.48″ background_size=”initial”
- [Small Business](https://futurewealthllc.com/small-business/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” admin_label=”section” _builder_version=”3.3.1″ custom_padding=”|||” custom_padding_tablet=”50px|0|50px|0″ transparent_background=”off”][et_pb_row make_fullwidth=”on” padding_mobile=”off” column_padding_mobile=”on” parallax_method_1=”off” admin_label=”row” _builder_version=”3.0.47″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”2_3″ _builder_version=”3.0.47″ column_padding_mobile=”on” parallax=”off” parallax_method=”off”][et_pb_text admin_label=”Text” _builder_version=”3.0.87″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Small Business As a business owner, you certainly understand the benefits of having a retirement savings or deferred compensation plan to promote staff retention. 401(k) plans
- [Portfolio Management](https://futurewealthllc.com/portfolio-management/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” admin_label=”section” _builder_version=”3.3.1″ background_color=”#ffffff” custom_padding=”|||” custom_padding_tablet=”50px|0|50px|0″ transparent_background=”off”][et_pb_row make_fullwidth=”on” padding_mobile=”off” column_padding_mobile=”on” parallax_method_1=”off” admin_label=”row” _builder_version=”3.0.47″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ column_padding_mobile=”on” parallax=”off” parallax_method=”off”][et_pb_text admin_label=”Text” _builder_version=”3.0.87″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Portfolio Management At Future Wealth, when we look Portfolio Management, we do not restrict ourselves to your stocks and bond holdings. Instead, we take a
- [Passively Managed Portfolios](https://futurewealthllc.com/passively-managed-portfolios/) - [et_pb_section admin_label=”section” transparent_background=”off” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” custom_padding=”200px|||” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off”][et_pb_row admin_label=”row” make_fullwidth=”on” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” column_padding_mobile=”on”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Passively Managed Portfolios Based on Modern Portfolio Theory, we have constructed four different ETF portfolios to fit your risk profile – Aggressive
- [Stock Game](https://futurewealthllc.com/stock-game/) - [et_pb_section admin_label=”Section” fullwidth=”off” specialty=”on” background_image=”https://futurewealthllc.com/wp-content/uploads/2016/07/download.jpeg” transparent_background=”off” background_color=”#ffffff” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” custom_padding=”200px|100px|200px|100px” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off” parallax_1=”off” parallax_method_1=”off” parallax_2=”off” parallax_method_2=”off”][et_pb_column type=”1_2″][/et_pb_column][et_pb_column type=”1_2″ specialty_columns=”2″][et_pb_row_inner admin_label=”Row”][et_pb_column_inner type=”4_4″ saved_specialty_column_type=”1_2″][et_pb_text admin_label=”Text” background_layout=”dark” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Stock Game[/et_pb_text][/et_pb_column_inner][/et_pb_row_inner][/et_pb_column][/et_pb_section][et_pb_section admin_label=”section”][et_pb_row admin_label=”Row”][et_pb_column type=”1_2″][et_pb_text admin_label=”Description” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Are you a good stock picker? Enter your best stock pick and
- [Risk Profile Analysis](https://futurewealthllc.com/risk-profile-analysis/) - [et_pb_section admin_label=”section” transparent_background=”off” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” custom_padding=”100px|||” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off”][et_pb_row admin_label=”row” make_fullwidth=”on” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” column_padding_mobile=”on”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Risk Profile Analysis One of our primary services is that of Risk Profile Analysis. This is first service we offer and is
- [Videos](https://futurewealthllc.com/videos/) - [et_pb_section admin_label=”section”][et_pb_row admin_label=”row” make_fullwidth=”on” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” column_padding_mobile=”on”][et_pb_column type=”4_4″][et_pb_text admin_label=”Text”]Videos[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row admin_label=”row” make_fullwidth=”on” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” column_padding_mobile=”on”][et_pb_column type=”1_2″][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Will Microsoft’s Windows 10 be a Game-changer?[/et_pb_text][et_pb_code admin_label=”CNBC Embeded Video”][/et_pb_code][/et_pb_column][et_pb_column type=”1_2″][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left”
- [Wealth Management](https://futurewealthllc.com/wealth-management/) - [et_pb_section admin_label=”section”][et_pb_row admin_label=”row” make_fullwidth=”on” use_custom_width=”off” width_unit=”on” use_custom_gutter=”off” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” column_padding_mobile=”on”][et_pb_column type=”2_3″][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]Wealth Management Los Gatos, CA Cash Flow Planning for Retirement Overall Portfolio Risk Analysis Consultation on 401K & 529 Plan Choices Capital Needs & Net Worth Analysis Our No Commission Fee Structure All accounts

## Episode

- [LOOKING AT POST INFLATION TRADE](https://futurewealthllc.com/podcast/looking-at-post-inflation-trade-2/)
- [IS THE BLOODBATH OVER?](https://futurewealthllc.com/podcast/is-the-bloodbath-over-2/)
- [THE FED’S OPTIMISTIC, BUT ARE INVESTORS?](https://futurewealthllc.com/podcast/the-feds-optimistic-but-are-investors-2/)
- [WHERE DOES THE STOCK MARKET GO FROM HERE?](https://futurewealthllc.com/podcast/where-does-the-stock-market-go-from-here-2/)
- [IT IS NOW UP TO THE CONSUMER TO SPUR THE ECONOMY](https://futurewealthllc.com/podcast/it-is-now-up-to-the-consumer-to-spur-the-economy-2/)
- [RESUMPTION OF MASS SHOOTINGS IN US MEANS LIFE IS BACK TO NORMAL](https://futurewealthllc.com/podcast/resumption-of-mass-shootings-in-us-means-life-is-back-to-normal-2/)
- [FUTURE WEALTH LLC CELEBRATES 5 YEAR ANNIVERSARY AND >$25 MILLION IN ASSETS UNDER MANAGEMENT](https://futurewealthllc.com/podcast/future-wealth-llc-celebrates-5-year-anniversary-and-25-million-in-assets-under-management-2/)
- [RECOVERY ARRIVES; LET THE PRICE GOUGING BEGIN](https://futurewealthllc.com/podcast/recovery-arrives-let-the-price-gouging-begin-2/)
- [TO OWN REAL ESTATE OR INVEST IN REITS – YOU BE THE JUDGE](https://futurewealthllc.com/podcast/to-own-real-estate-or-invest-in-reits-you-be-the-judge-2/)
- [Wall Street bows to Pump and Dump schemes](https://futurewealthllc.com/podcast/wall-street-bows-to-pump-and-dump-schemes/)
- [The Curse of Free Trading](https://futurewealthllc.com/podcast/the-curse-of-free-trading-2/)
- [Dealing with rising inflation](https://futurewealthllc.com/podcast/dealing-with-rising-inflation/)
- [Trading in Off-Exchanges](https://futurewealthllc.com/podcast/trading-in-off-exchanges/)

## Categories

- [Uncategorized](https://futurewealthllc.com/category/uncategorized/)
- [Wealth Management](https://futurewealthllc.com/category/wealth-management/)
- [Financial Planning](https://futurewealthllc.com/category/financial-planning/)
- [Investments](https://futurewealthllc.com/category/investments/)
- [In the News](https://futurewealthllc.com/category/in-the-news/)

## Podcasts

- [Future Wealth LLC | Financial Planner | Wealth Management | Los Gatos CA](https://futurewealthllc.com/series/future-wealth-llc-financial-planner-wealth-management-los-gatos-ca/)