Category Archives: Uncategorized

The latest inflation release confirms the high rate in January

Two months ago, it looked like we were clearly headed to 2% inflation. November inflation, using the measure favored by the Federal Reserve was the lowest in four years. The inflation rate for January was issued yesterday and confirmed a reading earlier in the month.

How much more do you keep from investments in your retirement accounts?

I calculate that you gain at least 20% on the money you invest in retirement accounts relative to the same investment in a taxable investment account. I used a 25-year holding-period for your investment: if you are in the Save and Invest phase of life,

Does it make sense to convert your IRA to Roth in Retirement?

I subscribe to a stock market newsletter. This month it had an article with the same title as this post, Does it make sense to convert your IRA to Roth in Retirement? I found the article confusing and incorrect. The decision on Roth conversion is

35 times my money

Every January track what happened to the $2,000 I contributed to my IRA many years ago. I imagine that I put my $2,000 contribution in a gift envelope and bought shares of a stock index fund. It sat there untouched for 35 years, accumulating shares

The recent measure of inflation points to 2%.

Two weeks ago I reported on inflation for December for the set of indexes that come out early in the month. This post reports on the important measure that the Federal Reserve uses for its decisions on interest rates. That measure was reported this morning.

Does the December inflation data disappoint?

The BLS issued a number of measures of inflation for December Thursday. A few articles said that inflation in December was high. December inflation was a little higher than October or November, but the charts in this post would not show that it was very

What segments of US stocks outperformed in 2022?

I like arranging the most recent calendar year returns in the 3 by 3 matrix of the Investment Style Box. I get a snapshot of what outperformed and what underperformed the US stock market as a whole. This post shows 2023 results: the return

Do you have enough bonds in your taxable account?

I found my portfolio needed some mechanical repair. I don’t have our bonds in the right location in our portfolio: I have far too little in our taxable Investment account and too much in our Retirement accounts. I scheduled tasks throughout 2024 such that by

Does it look like we are on track for 2.0% annual inflation?

The Federal Reserve signaled about ten days ago that they would not be raising interest rates in the battle to lower inflation. Most pundits conclude that the Fed will cut rates at least twice in 2024. The stock market loved this news and it’s up

Did you own enough of the Magnificent Seven this year?

I went to a talk Wednesday by Stu Hoffman, past Chief Economist at PNC. He included comments on the Magnificent Seven. I had not been following that term that’s applied to seven high-flying stocks. The story he told that bolstered the rationale as to

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