As we prepare to head into the second half of 2022, now is an ideal time to take a look back at how markets have performed...
LIFESTYLE DRIVEN ADVICE JUNE 2022
Hello,
As we prepare to head into the second half of 2022, now is an ideal time to take a look back at how markets have performed so far this year. On July 19 at 12PM ET, Bob Collins (XML Co-CIO and Managing Director of Collins Investment Group) will be hosting a webinar to provide a mid-year update on capital markets. Bob will be joined by Anu Gaggar, CFA®, FRM, CFP®, (Capital Markets Strategist at Fidelity) and Scott Wren (Senior Global Equity Strategist at Wells Fargo Investment Institute). With markets undergoing volatility through much of 2022, we encourage you to register for this important discussion with two veterans of the capital markets.
To be a successful investor, you just need to pick good stocks…right? Wrong. Over the last 20 years, the S&P 500 has returned over 8%—more than double the average return of 4% for investors who pick their own stocks. There is a reason this chasm exists between market returns and realized returns, and that reason is known as the “behavior gap.” We recently held a webinar with Dr. Daniel Crosby, Ph.D. (Chief Behavioral Officer at Orion Advisor Solutions) to discuss the behavior gap and how to reduce it; if you were unable to attend and would like to learn why it pays to be ordinary when it comes to investing, you can view a recording of the webinar here.
With inflation continuing to hover above 8%, many investors are growing concerned about the potential impact to their retirement savings and income. In a recent blog post, we discussed the ongoing debate about the “4% Rule” for disbursements from retirement accounts: some experts contend that the rule is no longer sufficient to keep up with inflation, while others believe that these fears are overblown. In a similar vein, we know that market volatility can be particularly stressful for investors who are preparing to retire or are already retired. In a recent blog post, we discussed a strategy that can help investors avoid the emotional rollercoaster that occurs when portfolio values are rising and falling during periods of market uncertainty.
As always, if you have any questions about the information shared in the newsletter, please don’t hesitate to get in touch.
XML Financial Group
Mid-Year Markets Update
On July 19 at 12PM ET, Anu Gaggar, CFA®, FRM, CFP®, VP and Capital Markets Strategist at Fidelity, and Scott Wren, Senior Global Equity Strategist at Wells Fargo Investment Institute will join Bob Collins, XML Co-CIO & Managing Director of Collins Investment Group, to offer their perspectives on how markets have performed so far in 2022. This webinar will be structured as an open discussion and the topics that they will cover include:
A recap of market events so far this year
Perspectives for the second half of 2022
Things to consider while navigating the current market environment
An open forum, led by our host and featuring questions submitted by the audience
For decades, the “4% Rule” has been a handy rule of thumb for retirees to calculate how much they should withdraw from their retirement savings each year. But with inflation soaring, read on to find out if the 4% rule is on its way out.
Worried About Your Retirement Income? Focus on The Math
Market volatility can be stressful, and doubly so when you’ve already reached retirement. As the saying goes, you don’t want to put all your eggs in one basket; instead, read on to find out if you should consider putting portions of your retirement savings into different “buckets.”
On June 13, Curtis Congdon (President, XML) was joined by Dr. Daniel Crosby, Ph.D. (Chief Behavioral Officer, Orion Advisor Solutions) for an important conversation about the 10 Commandments of Investor Behavior: 10 rules that can help you minimize the behavior gap and reach the retirement you deserve. This engaging discussion explored a number of key topics including the four times you should never make a big investment decision, why it pays to be ordinary when it comes to investing, and much more.
On June 22, XML CEO and Co-Founder, Brett Bernstein, appeared as a guest on The RIA Podcast hosted by Seth Greene to discuss the history and growth of XML Financial Group. In the episode, Brett shares his journey to becoming an entrepreneur and provides insight into growing a company.
Barron's
In a recent Barron's article, XML Senior Wealth Advisor and Partner, Eric Wightman, shared his thoughts on the impact of bloated inventories on the bottom line for retailers such as Target.
This communication is for information and educational purposes only. This is not a recommendation for the sale or investment in any product or strategy nor should it be perceived as individual advice. Information presented has been prepared from sources believed to be reliable but is not guaranteed and does not represent all available data necessary for making investment decisions. Economic and market forecasts presented herein reflect a series of assumptions and judgments as of the date of this presentation and are subject to change without notice. Forecasts do not consider the specific investment objectives, restrictions, tax and financial situation or other needs of an individual. Actual data will vary and may not be reflected here. Accordingly, these forecasts should be viewed as merely representative of a broad range of possible outcomes. The opinion expressed by this individual is based on facts and circumstances known at this time, is subject to change and does not reflect the opinions of all financial professionals of XML.
XML Financial Group
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