Fleming Watson Financial Advisors
When Planning for Retirement, Where Do You Start?

When Planning for Retirement, Where Do You Start?

October 13, 2019

When preparing for retirement, where do you start?  That is a question submitted by Tony.  Today, on Monday Morning Money we'll answer it.

Tony asks:

"I'm 60 years old and want to retire in a few years. My wife and I have been saving in our 401k's, but the thought of retiring seems overwhelming. I need to figure this out, where do I start?"

To learn more or submit your question, please visit:  http://flemingwatson.com/where-do-you-start/

People are Living Longer

People are Living Longer

October 6, 2019

People are Living Longer.  This adds to the challenges you face when planning for retirement. 

You can learn more by visiting our webpage at http://flemingwatson.com/people-are-living-longer/

Earnings Matter

Earnings Matter

September 29, 2019

On any given day a headline—or even a tweet—can move the stock market. And sometimes those moves are extreme. But what really drives stock prices over the long-term?  Spoiler alert: Earnings matter.

In this episode we discuss:

  • Do Presidential Tweets move the market?
  • There is a lot of noise, but over time, profits drive the market.
  • A strong correlation between stock prices and earnings
  • Business in America is good.

To see more including the charts we mention in the podcast, visit: http://flemingwatson.com/earnings-matter/

 

Why Do People Run Out of Money During Retirement?

Why Do People Run Out of Money During Retirement?

September 26, 2019
Nearly half of Americans say running out of money is their primary concern.  So, why do people run out of money during retirement?  

In this episode we will discuss:

  • There is almost never just one singular reason, it is a combination of factors.
  • A major stock market decline is one factor, but it takes more than a bear market to derail retirement.
  • We identify four of the other common factors which lead to disaster.

To learn more, please visit: http://flemingwatson.com/why-do-people-run-out-of-money-during-retirement?/

Are Your Kids A Risk To Your Retirement?

Are Your Kids A Risk To Your Retirement?

September 16, 2019

Are your kids a risk to your retirement? Many parents provide financial help to adult children. That assistance could impact your retirement.

 
Today we share: 
  • Some statistics
  • It impacts how much you save for retirement.
  • How it can impact when and how you retire.
  • In extreme cases, it can deplete your nest egg.

 For More information: http://flemingwatson.com/are-your-kids-a-risk-to-your-retirement/

Not As Bad As It Seems

Not As Bad As It Seems

September 9, 2019

In the investing world, things are often not as bad as they seem. The data doesn't always match the headlines.  

Today we talk about:

  • August was not good, but was it really bad? It felt really bad.
  • The worst month for stocks (so far) this year is...
  • Have we even had a correction in stocks yet?
  • Don't look now, but the US stock market is having a really good year.
  • So is everything else.
  • The fourth quarter is the "money quarter" for the stock market.

To learn more and look at pretty pictures, visit: http://flemingwatson.com/not-as-bad-as-it-seems/

Bonds With Negative Yields

Bonds With Negative Yields

September 5, 2019
There has been a lot of attention lately about the more than $17 Trillion of debt with negative yields. Much of that is issued by foreign governments. But there is about a trillion dollars in corporate debt with negative yields
 
So does this mean you are paying these countries for the privilege to loan them money?  Better yet, why would anyone buy these bonds with no return?  We'll talk about it on today's episode.
 
Note:  Monday Morning Money is also broadcast on our local radio station, WMOA (1490 AM and 101.3 FM) each Monday at 11:07.
 
You can learn more by visiting our webpage here:  http://flemingwatson.com/bonds-with-negative-yields/
Going to the Little League World Series

Going to the Little League World Series

August 22, 2019
This week we take a break from talking about the stock market. We won't discuss bonds and interest rates. We also won't talk about the economy and recessions. This week we talk about the Little League World Series.
 
Dad and I went Williamsport to attend the first weekend of the Little League World Series. For baseball fans, this is an incredible event. Today, I talk about our experience.
 
To see some of our photos from Williamsport, click this link:  http://flemingwatson.com/going-to-the-little-league-world-series/
The Hidden Risk In Bonds

The Hidden Risk In Bonds

August 14, 2019

Recent volatility in the stock market has many investors looking for "safety". Many turn to government bonds. But is now the right time to invest in these notes? Today we'll talk about the hidden risk in bonds.

Key Concept 1:  Yield

When talking about bonds, the first key concept is yield. Yield is the return you will earn when you buy a bond. It factors in the current price, the interest rate, the date it matures, and the return of principal.
 
If you buy a bond with a 2% yield and hold it until maturity, that is the return you will realize.
 
Key Concept 2: The Relationship Between Yield and Price.
 
The second concept is the relationship between yield and price. Bond yields and bond prices are inversely related. This means when bond prices go up, yields go down. And when yields go up, prices go down.
 
Where is the Hidden Risk In Bonds?
 
Bond yields are near historic lows. And it is hard to imagine them going lower. When they increase, it could create a very difficult situation.
 
Those who buy these longer term notes will face two choices. The first is to accept a low rate of return over the next several years. The other option is to see the value of their investment decline as yields move higher.
 
If you would like to see an example of how rising yields impact bond prices, check our post at:

 

Investing in Emerging Technologies: Answering a Listener Question.

Investing in Emerging Technologies: Answering a Listener Question.

August 8, 2019

Investing in emerging technology sounds exciting.  At least one of our listeners thought so.  He submitted a question wondering how we could invest in the following areas:

  • Artificial Intelligence
  • Internet of Things
  • Blockchain

We'll share some ideas on this week's episode of What's Happening Now.

For a list of exchange traded funds which specialize in these emerging technologies, please visit the following link:  http://flemingwatson.com/investing-in-emerging-technology/