RWM Insights

Budgets and Retirement

Using a budget to understand your income and expenses can help you plan spending habits, decrease unnecessary and excessive spending, and take control of your finances. For retirement planning, effective budgeting is an important step in deciding how much you can afford to contribute to your retirement plan, and how much you may need in income after retirement.

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Is this Bull too Old?

The bull market reached a record in August becoming the longest running US bull market in history.  Stocks have risen more than 300% since early March 2009 without seeing a decline of 20%.  The stretch surpasses the previous longest ever bull market that ended in March 2000 with the technology bubble.

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Is Value Providing Value?

As part of the RWM investment strategy we seek to tilt the equity allocation of a portfolio towards value stocks.  These are stocks that have low relative prices vs. their profits compared to growth stocks which have high relative prices vs. their profits.  However, in recent years value stocks have trailed growth stocks.  Is the recent under-performance by value stocks normal, and should we expect growth to continue to outperform?

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