Investing Archives

9 11, 2022

Can You Turn Investment Losses into Tax Gains?
Can You Turn Investment Losses into Tax Gains?

Can You Turn Investment Losses into Tax Gains?

BML Wealth Marketing2022-12-07T10:14:27-08:00November 9, 2022|Investing, Stock Market, Tax Strategies|

When markets take a spill, especially when it comes to your retirement investments, it’s harder to find ways to meet your financial goals. If you were relying on IRA or 401(k) withdrawals to cover your expenses, doing so when markets are down would decrease the lifespan of your savings. And if you’re nearing retirement, market losses may provide cause to push back the time you enter retirement. While all these concerns are legitimate, there is a hidden benefit to selling your losing investments at a loss. Using a strategy called tax-loss harvesting, you can earn [...]

31 10, 2022

Does the 4% Rule Really Work?
Does the 4% Rule Really Work?

Does the 4% Rule Really Work?

BML Wealth Marketing2023-02-09T02:04:44-08:00October 31, 2022|Financial Planning, Investing, Retirement Income, Retirement Planning|

During your saving years, your main goal is to accumulate wealth so that you have the resources to achieve a comfortable retirement. But that is just half the battle. How you use your savings to cover your living costs is the real key to living the retirement you dream of. You may have done some research on what strategies you can use to provide yourself with the income and liquid cash you need to cover your expenses in retirement and come across a few general, cookie-cutter strategies, such as the 4% rule. What is the [...]

24 10, 2022

Rediscovering the Value of Yields in Recessions
Rediscovering the Value of Yields in Recessions

Rediscovering the Value of Yields in Recessions

BML Wealth Marketing2022-10-23T12:54:10-07:00October 24, 2022|Financial Planning, Investing, Stock Market|

For decades, the name of the personal finances game has been an asset or equity growth. High-growth tech stocks grew to dominate the market, some of which have grown to be among the largest companies in the world. And if you owned stock in those companies while they made their meteoric rise, your overall wealth may have ballooned in the process. But how safe do you feel with your wealth in those stocks during a recession? Would you feel comfortable with a 5% drop right now? A 10% drop? Maybe even more? If such a [...]

10 10, 2022

5 Unique Risks for the Affluent Investor
5 Unique Risks for the Affluent Investor

5 Unique Risks for the Affluent Investor

BML Wealth Marketing2023-02-09T02:14:20-08:00October 10, 2022|Investing, Stock Market|

You may think that as a high-net-worth individual, or even a millionaire next door, you may have an easy road ahead in maintaining your wealth. But a greater amount of wealth to protect introduces unique challenges that are specific to the size of what they have to protect. Although many investing and wealth-preservation principles apply to anyone – such as developing a tax plan, assessing a portfolio’s risk exposure, and more – there are key risks to be aware of when you have more money and more valuable assets to protect. Being Too Conservative You [...]

7 10, 2022

The Pros and Cons of Owning a Second Home
The Pros and Cons of Owning a Second Home

The Pros and Cons of Owning a Second Home

BML Wealth Marketing2022-10-07T14:54:40-07:00October 7, 2022|Financial Planning, Investing|

Second homes can be places for families to gather, lucrative investments, or a mix. Think about what your long-term goals are and how buying a second home would help you achieve them. Is it a place for your family to gather? A place for you to enjoy a particular natural landscape? Or is it a property you don’t see yourself visiting often and want to rent out? If you’re thinking about buying a second home, there are many pros and cons to consider. The Maintenance Any homeowner knows that your house requires constant maintenance – [...]

21 09, 2022

What Volatility Truly Means
What Volatility Truly Means

What Volatility Truly Means

BML Wealth Marketing2022-09-21T10:41:44-07:00September 21, 2022|Investing, Stock Market|

Nowadays, the word “volatility” seems thrown around more than ever. Usually, when it comes to financial talk, “volatility” is used to describe a downward trend. But that’s not what volatility really means! Volatility is technically referring to large up and down swings in the market over short periods of time. It doesn’t just mean a downward trend. The Ups and the Downs It’s important to make sure your financial plan is strategized against downward trends. When markets are smoothly climbing, it can seem as if there is little danger involved in holding risky assets in [...]

20 07, 2022

Don’t Succumb to the Fear of Missing Out
Don’t Succumb to the Fear of Missing Out

Don’t Succumb to the Fear of Missing Out

BML Wealth Marketing2022-07-20T11:11:40-07:00July 20, 2022|Financial Planning, Investing|

If you’ve followed markets or financial news, especially in the past few years, you may have come across the term “fear of missing out,” commonly abbreviated to FOMO. When markets keep going up, FOMO can start to creep in. It can start to feel like you’re leaving gains on the table by not rebalancing your portfolio to include the ultra-high growth assets that saw big jumps. The desire to get as much as you can from your assets is normal, but if you let it influence your decisions, you could end up risking more than [...]

11 07, 2022

Is Your IRA At Risk In This Market?
Is Your IRA At Risk In This Market?

Is Your IRA At Risk In This Market?

BML Wealth Marketing2022-07-12T11:07:48-07:00July 11, 2022|Investing, Stock Market|

During bear markets, we must ask different questions about our money and our assets. It is no longer about which stocks will double over the next twelve months. Instead, it will likely be about how to preserve your portfolio value by investing in potentially stable equities with a consistent yield or profitability to mitigate the risk of steep declines. Regardless, market downturns happen, and if you have an IRA, you might expect to rely on its distributions for income. However, taking distributions means you could risk cutting the lifespan of your portfolio if you withdraw [...]

24 01, 2022

Three Things to Know About Investing in Retirement
Three Things to Know About Investing in Retirement

Three Things to Know About Investing in Retirement

BML Wealth Marketing2022-01-24T10:02:55-08:00January 24, 2022|Investing|

There’s a lot of investing advice out there, but how do you know what’s right or what’s right for your specific situation? The rules can change a bit when you get closer to and enter retirement, and the world of investing is constantly changing. There’s a lot to know about investing in retirement, and we can help you learn. The World of Investing Has Changed Cryptocurrency? Non-Fungible Tokens (NFTS)? The world of investing has changed quite a bit during your lifetime. During this time of low-interest rates and high inflation, those nearing and in retirement [...]

13 12, 2021

Review Your Investment Strategy and Prepare for 2022
Review Your Investment Strategy and Prepare for 2022

Review Your Investment Strategy and Prepare for 2022

BML Wealth Marketing2023-12-19T20:56:46-08:00December 13, 2021|Financial Planning, Investing, Retirement Planning|

The end of the year is a good time to reflect on 2021, how your financial situation may have changed, and your goals for next year. Maybe 2022 is the year you’ll retire, or maybe not. Either way, you can review your investment strategy and prepare for 2022 and beyond. We Saw Record Highs in 2021 – What Will We See in 2022? The S&P 500 index logged 64 new highs in 2021 as of November.[1] But how long can this last? According to a recent Allianz survey, 54% of American investors see the stock [...]