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Sep
13

Jeremy Grantham: Buy Natural-Resource Stocks

Renowned investor Jeremy Grantham, Chief Investment strategist of Grantham, Mayo, and van Otterloo makes the case for investing in resource equities. He suggests valuations are hovering near historic lows relative to the broad market, and when resource equities have been cheap relative to the broad market historically, they’ve performed quite well going forward. Yet investors are wary of investing in commodity producers due to the commodity price risk and the always uncertain commodity outlook. He tells us that long-term investors willing to tolerate that shorter-term risk should strongly consider whether they have allocated enough to this exciting and unloved segment of the market.

Click here to read the full article by Jeremy Grantham


Sep
08

The Power of a Backdoor Roth

Roth IRA’s are some of the last truly tax-free investments you can make. Unlike traditional IRA’s, where your earnings are taxed as income, earnings in a Roth are completely tax-free. That’s the good news. The bad news is, not everyone qualifies to be able to contribute to a Roth. For 2016, if your file your taxes as single, you can make a full contribution up to $5,500 per year ($6,500 over age 50) if your modified adjusted gross income (MAGI) is less than $117,000, and a partial contribution if your MAGI is between $117,000 and $132,000. If you file taxes jointly, you can make a full contribution if your income is less than $184,000, and a partial contribution if your MAGI is between $184,000 and $194,000. If you file single and make over $132,000 or file jointly and make over $194,000, you’re out of luck for making a Roth contribution. That is unless you go in through the “back door”.

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Aug
30

There is No Magic Bullet

I was recently having lunch with a client after a lively discussion in our office. “I guess there is no magic bullet” is how he began lunch. It got me wondering why I had never put the idea of long-term investing in those exact words.

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Aug
24

The Most Successful Investments Have Two Things in Common

The other day I came across an article that struck me in such a profound way, I thought it would be meaningful to share with those who happen to visit our website on occasion. It’s a tale about big life-altering gains that can materialize if you are patient. The writing here is spectacular and I thank the good people at the Daily Reckoning site for sharing with us. I hope you enjoy it as much as I do!

Click here to read the full Daily Reckoning article


Aug
22

Randy Kratz Joins Corda

As a Certified Financial Planner®, Randy has been designing financial plans for clients for over 21 years and owned an independent financial planning firm before joining CORDA. His financial planning skills tethered with CORDA’s investment management can provide a powerful combination to help clients pursue their financial goals and dreams.

In addition to his fondness for financial planning, Randy developed an interest in specialty crops over the years and presently owns a small farm in southern Kentucky where he grows hops and is experimenting with hϋgelkultur gardens. We are delighted to have his rich background here at Corda.


Jul
27

Opportunities

Columbia Graduate School of Business professor Joel Greenblatt makes a key point:

“Prices fluctuate more than values—so therein lies opportunity. Why do the prices fluctuate so widely when values can’t possibly? I will tell you the answer I have come up with: The answer is I don’t know and I don’t care. We could waste a lot of time about psychology but it always happens and it continues to happen. I just want to take advantage of it. We could sit there and figure it all out, but I like to keep it simple. It happens; it continues to happen; the opportunities are there.”

Click below to read two articles about the history of market swings.

Market Watch article & Yahoo Finance article



Jul
20

Low Interest Rates – Refinance?

If you own a home you may consider refinancing your mortgage:

The 30-year fixed-rate mortgage followed Treasury yields lower, falling 7 basis points to 3.41% this week, according to Freddie Mac. Last week the fixed-rate averaged 3.48%, and a year ago it was at 4.04%. “Continuing fallout from the Brexit vote drove Treasury yields lower again this week,” said Sean Becketti, chief economist at Freddie Mac.

So if you’ve been considering a mortgage refinance, now’s the time.

Homeowners who have rate higher than 4.5% on a 30-year mortgage (those 4.5% loans were common up to 2011, says Gumbinger) would benefit from refinancing if they have excellent credit.

Click here to read the full Yahoo Finance article


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Apr
26

We Always Have

If you are a “planning geek” such as myself, you have probably been reading the latest news about the Department of Labor’s new rule regarding giving advice on retirement assets. Read More