Oct 2023
The financial markets lost ground in Q3. Three of the five asset classes* we follow were lower in Q3; only commodities and Cash equivalents were up. But, YTD Equities in the US (SP500) and Internationally (MSCI World Index) were up double digits. We anticipate that well-diversified portfolios will likely be up for 2023, though of […]
read more...Sep 2023
If you are in your late 50’s or early 60’s – we think it’s important to take Health Care costs into account as you transition into retirement. Many believe that Medicare covers all healthcare expenses. It does not. According to Fidelity, the well-known investment company, a single person age 65 in 2023 may need about […]
read more...Aug 2023
Recessions and Stock Market Recoveries: Aug 2023 is unfolding uneventfully for the financial markets, but since the markets always need something to worry about, Aug’s worry is the Recession (currently imaginary). Here are some thoughts for serious investors to ponder about Recessions and about Stock Market recoveries: 3 facts about market recoveries Fact #1: Recoveries […]
read more...Aug 2023
Dushyant Pandit, Managing Director of DorchesterAdvisors, spoke with New York area Penn Entrepreneurs about the investment questions on their mind. He discussed: his investment philosophy and journey, how to separate current fads from true investment opportunities, ways to reduce making missteps in investing, and why the current investment news and long-term investing may be at […]
read more...Jul 2023
2023 Q2 Market Review The financial markets continued to gain in Q2. Four of the five asset classes* we follow were higher in Q2; only commodities were down. In Q2 the US markets were the better performers mainly due to a handful of larger tech stocks. A well-diversified portfolio is an effective all-weather strategy for […]
read more...Jun 2023
Estate Planning: Creating a legally binding plan to distribute your assets after your death provides you with the peace of mind that your wishes will be carried out as you desire. But, to accomplish this, it is crucial that your estate plan meets both Federal and your state’s legal requirements to ensure your final wishes […]
read more...May 2023
Cleaning and De-Cluttering your financial records after taxes is a great idea: We believe uncluttered files enable investors to see more clearly and hopefully make better decisions. But, this clean-up process has become more complex. It encompasses decisions like: Which documents to keep? For how long? In which format (digital or physical)? And where (Safe […]
read more...Apr 2023
The Banking Crisis is the Problem Du Jour. Our view is that we will find a way to navigate it. Meanwhile, it’s easy to lose sight that Q1 was actually a good quarter for markets following in the footsteps of 2022 Q4 also a good quarter. 2023 Q1 Market review. (pdf)
read more...Mar 2023
We think there is a small group of investors who should evaluate if making IRA contributions is still correct for them – Investors who are in the process of transitioning into retirement and who have already accumulated significant IRA assets for example. IRA contributions are valuable – But not for everyone. (pdf)
read more...Feb 2023
Your investments impact so many tax categories: Income tax, capital gains tax, Net investment tax, different tax rates for types of dividends, and even tax free investments. And then, there are different implications for Federal taxes and your state taxes. Paying attention can Pay off. Taxes-Investments-Income (pdf)
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