The Government Shutdown: There’s more at stake than just a wall

When the President of the United States opted not to sign into law a bipartisan bill to fund several government agencies (a bill which was overwhelmingly supported in both the House of Representatives and the Senate), the US Government entered a partial shutdown at midnight on the 22nd of December. A government shutdown isn’t a unique event anymore.  Shutdowns go all the way back to President Carter, and the only period in which there wasn’t a shutdown was during the George W Bush Administration.  The current shutdown is the longest in US history.

Timing the markets without a crystal ball

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.

Demystifying US Social Security

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.

Where’s the Value?

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[1] in Europe has had a positive annualised return of approximately 2.2%.[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.

The value of teaching our children about financial education

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.