The Return to Volatility: Part II By Jonathan V Bever
Investing from the end of the diving board
By Jonathan V. Bever
This February we have seen the return of volatility in the stock markets. Believe it or not shorting the VIX or shorting volatility has been a popular trade for a few years. Anyone with long term investment experience knows that sooner or later market fluctuations will begin again; this February it certainly has.
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And now after Brexit……… As Fulcrum Wealth Advisors’ clients have been aware, for the past two-plus years, our stance on the financial markets have been one of caution, if not an outright concern, and the current vote by the British to leave the European Economic Union has done nothing to alleviate these concerns. What does Brexit mean to Us?
A new survey by PNC Financial Services Group discovered members of Generation X are working harder to avert a retirement crisis. Meanwhile, many baby boomers in their 50s and 60s are falling behind. Although it’s not a competition to see who retires with the most cash, it is important to get motivated so you don’t outlive your retirement money.
Most people realize the benefits of investing at an early age, but don’t always have the means to do so. Fortunately, you can make it up with increased contributions later in life. When it comes to retirement planning, it’s important to have a financial adviser on your side to nudge and encourage you with better financial habits.
For most of us the conversation isn’t whether or not we’ll need long term care, but rather when. According to the U. S. Department of Health and Human Services as many as 70% of those turning 65 years of age are likely to require long-term care, meaning that it probably makes sense to start planning for this as an eventuality rather than a possibility.
As we age, the odds of incurring an injury or major illness that will prevent us from performing simple daily functions increase substantially. Today, one in three people over the age of 65 will require assisted care of some sort. Past age 75 the odds increase to where one in two will need nursing care.