Andrea Solana, Head of Advanced Planning, features in the American once again, as is a regular fixture, discussing how to review your wealth goals and objectives in the new year. Please click here for the full article.
The US stock market has been on a bull run since its trough post-crash in March 2009. The S&P 500 index almost reached 3,000 at its peak at the end of September, an increase of over 300%. This is despite the anti-free-trade rhetoric that caused a jitter in February this year and punctuated the phenomenal performance of 2017 and January.
Social Security benefits form a bedrock of retirement income for tens of millions of Americans. Yet many would agree that the program is mired with unnecessary complexity which makes claiming benefits confusing. My intent is to use this blog post to help demystify some of the confusing elements of the Social Security retirement benefits system.
The following article has been prepared by Dimensional Fund Advisors Ltd and is reproduced here with their consent. Your attention is drawn to the risk warnings and important information at the end of the article.
The views and opinions expressed herein do not necessarily reflect the views of MASECO LLP and MASECO LLP accepts no responsibility or liability for any of the views or opinions expressed in the article and are not responsible for its contents. The article is being made available for information purposes only and should not be construed as providing investment or other advice.
From 1975–2017 the value premium in Europe has had a positive annualised return of approximately 2.2%. In six of the last ten calendar years, however, the value premium in Europe has been negative. The same trend has been seen across developed markets globally.
This was the subject of The Big Read in the Financial Times on 22nd July and it sparked my interest. However it is not a new story. Over the last decade we have been explaining to our clients how the industry has become increasingly commoditised over the last 30 years – what used to be expensive and complex is quickly becoming cheap and simple.
Gaining an early understanding of personal finance can be an important building block to provide youth with the tools they need to become fiscally responsible adults. It seems like a topic that should have already been engrained in curriculums across schools. However, it has only been about four years since a compulsory financial education programme was put in place in secondary schools across the UK. And despite financial education now being compulsory, a majority of students still report their parents and family as their primary source of financial information.
For many expats, the decision of whether to send their children to British schools or American schools is one that is very important. Expats will often turn to one another for advice on what will suit their circumstances best.
Exchange Traded Funds or ETFs, came into existence in the early 1990’s. They have grown tremendously in popularity by institutional and retail investors alike. As a refresher, ETFs are marketable securities that typically track an index, a commodity, bonds or a basket of assets. One of the major differences between mutual funds and ETFs is that the latter trades like a stock, meaning you can use limit orders, use margins, short positions, and trade throughout the trading session. In addition, like stocks, one of the most likable characteristics of an ETF is that it’s usually very inexpensive. ETFs offer a diverse range of options for investors seeking investments with low fees. From the days of Benjamin Graham to the present, value investors have always touted investments that are broad-based and low cost; ETFs fit the bill. However, the benefits of ETFs do not come without trade-offs. In order to replicate the index, an ETF fund manager must sacrifice trading flexibility.
Gaining an early understanding of personal finance can be an important building block to provide youth with the tools they need to become fiscally responsible adults. It seems like a topic that should have already been engrained in curriculums across schools. However, it has only been about two years since a compulsory financial education programme was put in place in secondary schools across the UK.
The mandatory lessons involve education on basic money matters like calculating simple interest and learning how to approach budgeting and saving. The education is based on four aspects; financial understanding, financial competence, financial responsibility and financial enterprise.
For many expats, the decision of whether to send their children to British Schools or American schools is one that is very important. Expats will often turn to one another for advice on what will suit their circumstances best.