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Real Estate

2022 Asset Class Returns: Year in Review

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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,…

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Retirement Uncertainties: Why Financial Planning is Necessary > Issue 5 > How Much Home Equity Can Be Unlocked?

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For many years now, home-owning Americans had more equity in their homes than they did in their retirement accounts.  In order to afford their retirements, they would have to find a way to unlock that equity, either by selling their homes and renting or moving in with family, or by downsizing to a cheaper home and netting the difference in the sale and purchase prices.  Even for home-owning Americans with healthy retirement accounts, unlocking home equity by downsizing is a common strategy to increase retirement assets.  Unfortunately, with so many baby boomers selling bigger and buying smaller at the same…

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Thoughts from the Investment Team – This is Where Mistakes Are Made

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John Pierpont Morgan was known to have said, “Nothing so undermines your financial judgement as the sight of your neighbor getting rich.” Understanding the bigger picture can help us avoid unrealistic performance extrapolation (both up and down) and stay focused on those things that truly offer the most opportunity for lasting gain. There’s no more important time than now to look forward rather than backward. This year has been particularly dangerous, not because markets have imploded, but because the way they are moving exposes our psychological vulnerabilities as investors. After a strong 2017, U.S. stocks ran up very aggressively in…

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