Inflation Archives - Cadence Wealth Management

Apr 16

Investor or Speculator – Part II

By Casey Clarke Blog

If you think about the last time we had widespread social strife and turmoil in the United States in tandem with expensive financial markets, your recollection will probably take you back to the sixties. Between anti-war protests, the civil rights movement, entitlement reform, and a re-tooling of criminal justice policies and laws, there was plenty of fodder for calm, dispassionate chats with friends and family. It’s probably no coincidence that this swell of activity came toward the end of a post-World War II economic expansion that brought economic comfort to many and stock markets to rather lofty heights. What followed,…

Mar 16

A Bendy Road

By Casey Clarke Blog

The experience one expects to have in financial markets comes down largely to whether he or she believes market forces are more natural or artificial in nature. By natural, I’m referring to more free-flowing, random, and at times chaotic, whereas artificial represents controlled, planned, and efficient. An investor couldn’t be blamed for thinking the latter given the tremendous efforts monetary authorities and governments generally have made in recent years to steer favorable market outcomes. This effort to control markets, to create a straighter path, has led many to believe that positive investment results are assured and risks of meaningful losses…

Jan 11

2022 Asset Class Returns: Year in Review

By Steve DeBoth Blog

Toward the end of last year’s “Year in Review” piece I wrote: “You may be in the camp of investors that sees a year like this year as an opportunity lost as opposed to a sign that we have entered dangerous stock market times.” 2021 was one of those years where the US stock market outperformed most other investment categories by enough that it may have been easy for investors to assume there was less risk in the market than there really was at the end of last year. Unfortunately, to many investors’ surprise, 2022 came along and proved that,…

Jan 12

Pick Your Poison

By Casey Clarke Blog

We typically operate day to day within the guardrails of precedent, making decisions and evaluating outcomes based on what we’ve observed and those things that have played out in the past. Certain rhythms repeat for certain reasons which is why more times than not, this modus operandi not only makes sense, but is wise. There’s a reason we should respect and learn from our elders. There’s also a reason why as we age, we tend to become a little jaded about certain things – we often see the same mistakes being made over and over again. The boom/bust cycle is…

Aug 11

Change Happens

By Cadence WM Blog

Change is a funny thing. It’s one of the only constants in life; something we can depend on. Whether we’re talking about the four seasons, aging, health, or quality of life, we can depend on change to shuffle things up on us before we have a chance to get too comfortable. The optimist would say “discomfort and stress lead to growth”, while the cynic might prefer to resist change or deny that it lies ahead. As humans, most of us are the latter. Recency bias has us believing the present can continue on at least until tomorrow, and when taken…

May 19

How Serious is This Inflation Thing?

By Cadence WM Blog

Although not everyone fully understands inflation and its pernicious impact on standards of living over time, all of us have experienced it and know what it feels like in the moment. It’s annoying to pay more for something than we did just a little while ago. If it’s the type of price increase that’s part of a temporary ebb and flow based on normal supply and demand of the product in question, no problem – that’s life. When on the other hand, it’s a true lasting price increase on not just one or two of the things that we consume,…

Mar 11

Ask Cadence: Are you optimistic for 2021?

By Cadence WM Blog

Yes. 2021 has the potential to be a very interesting year for a host of reasons. First, the risks and uncertainties: Covid-19 – We just don’t know how quickly the majority of people will get vaccinated and subsequently get back to a more normal existence. In addition, there are unknowns in terms of new variants and the effect they will have on the number of infections and severity of illness. Most are assuming that some semblance of normalcy will return for the second part of this year, but we just don’t know how the course of events will play out…

May 20

Retirement Uncertainties: Why Financial Planning is Necessary > Issue 2 > Healthcare Spending Is Increasing Faster Than the General Inflation Rate

By Cadence WM Blog

The changes to what we pay for the goods and services we buy do not increase by the same rate every year; some years they go up slowly, some years they jump up, and some years the cost of certain goods or services even goes down. However, the longer-term trend is that the cost of the goods and services we purchase to live our lives is increasing. For most items that historic increase is around 3% annually. However, healthcare costs have been rising much faster over the past 40 years, with many estimates falling in the 6% to 8%+ per…

Inflation

Investor or Speculator – Part II

A Bendy Road

2022 Asset Class Returns: Year in Review

Pick Your Poison

Change Happens

How Serious is This Inflation Thing?

Ask Cadence: Are you optimistic for 2021?

Retirement Uncertainties: Why Financial Planning is Necessary > Issue 2 > Healthcare Spending Is Increasing Faster Than the General Inflation Rate

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