Emotional Biases that Influence Investing Behavior
Society of Financial Service Professionals | January 27, 2023A bias is a mental shortcut that people take to make decisions quickly. At the heart of all behavioral biases is a desire to reduce cognitive dissonance, which is personalized mental pain. When volatile markets and uncertainties like the Russian-Ukraine conflict, COVID policies, inflation, and interest rate adjustments are prevalent, emotional biases can kick into......
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Help Your Clients Preserve Their Assets under Management
Society of Financial Service Professionals | January 27, 2023Interest in home equity conversion mortgage (HECM) and reverse mortgage products has grown. Financial planners are looking at their client's housing wealth more and more as another option for retirement income, especially now with rising inflation affecting us all. When clients utilize their home equity in down markets, they decrease the risk of running out......
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Do ETFs Belong in Tax-Advantaged Accounts?
Society of Financial Service Professionals | January 27, 2023Exchange-traded funds started with SPY in 1993. Thirty years later, the advantages over mutual funds have proven overwhelming. Innovations include ETNs, active ETFs, and other exchange-traded products. Advisors must understand the technical differences between these funds that significantly impact client results.Most advisors are aware of the advantages of exchange-traded funds (ETFs) over equivalent mutual funds......
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Who Should Invest in Indexed Annuities?
The National Association of Registered Social Security Analysts (NARSSA) | January 27, 2023Indexed annuities are most appropriate for individuals who want to earn a higher stock market return but are unwilling to invest directly in the market because they fear losing their money. Typically, retired investors or those nearing retirements fit this category.Indexed annuities are most appropriate for individuals who want to earn a higher stock market......
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Why Is Everyone Talking about I Bonds?
Society of Financial Service Professionals | January 27, 2023Series I bonds have been one of the hottest investments over the last year. An I bond is a United States savings bond meant to keep investment returns up with current inflation. Series I bonds are considered low risk because they are backed by the U.S. government’s full faith and credit, and their redemption value cannot decline.......
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Introduction to Financial Services: Capital Markets
Society of Financial Service Professionals | January 27, 2023This In Focus provides an overview of U.S. capital markets, Securities and Exchange Commission (SEC) regulation, and related policy issues.Market CompositionCapital markets are where securities such as stocks and bonds are issued and traded. U.S. capital markets instruments include (1) stocks, also called equity or shares, referring to ownership of a firm; (2) bonds, also......
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Time Horizon Matters
Society of Financial Service Professionals | July 12, 2023After an abysmal year in the broad investment markets, it is easy for many people to swear off investing in general....
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How Advisors Reassure Women in Volatile Markets
Society of Financial Service Professionals | September 13, 2023Women are even more skittish and tentative about their money and investments during market volatility. As an advisor, this is your opportunity to build a stronger relationship with her!...
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Family Office Regulation in Light of the Archegos Fallout
Society of Financial Service Professionals | December 04, 2023In late March 2021, Archegos Capital Management and its investment bank financiers started liquidating huge stock positions, causing significant turbulence in capital markets....
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The Benefits & Purpose of a Trust in Estate Planning
Society of Financial Service Professionals | December 04, 2023Clients frequently ask whether they should leave their assets in a trust. My answer: It depends....
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