Integras Insights
Insightful, Curated Articles to Help You Make Sound Financial Decisions
Tips to Keep Your Personal Data Safe
We strive to add value to all aspects of your financial wellness. This includes your financial security – protecting yourself from theft of your personal data and financial information. Below are some tips we hope are useful. Learn How to Spot a Phishing E-mail A...
Where is the market is headed?
This year's market declines have largely been a valuation “correction.” The price-to-earnings ratio (P/E) of the S&P 500 Index has declined about 25%, and stock prices are down more than 20%. We could see another decline phase based on company fundamentals...
Try Not to Get Your Toes Stepped on by the Fed
Our readers know that last Fall we reduced client stock exposure in light of what we thought was an overvalued market. For most clients, we allocated the proceeds to real estate, which has been their best-performing investment this year. We reduced stock exposure...
Are You Watching Your Account Balances Shrink?
Watching your account balances shrink during down markets is never easy. Behavioral economists tell us that the pain people feel watching their investments decline is twice as powerful as the joy of gains. A period of market volatility like we have been experiencing...
What’s Happening to the Stock Market – Is this a Good Time to Buy?
What’s happening in the stock markets this year is happening in two phases: a dramatic re-pricing and concern over future earnings capability. We haven’t seen this degree of daily swings (or volatility) since the 2009 Great Financial Crisis or the 2001 “DotCom...
Time-Horizon Investing in a Volatile Market
Markets do not like uncertainty, and that is all we have had this year. There are variables in play now that we have not experienced in a long time. Inflation is the driving factor behind the market volatility we are currently experiencing. The Federal Reserve (Fed)...
A Cool Head Will Prevail
Article 3 of 3: 2nd Quarter Commentary As things stand today, we could see a recession occurring sometime in 2023. We certainly do not expect a repeat of 2007/2008, but we do expect equity prices to lose value as all the fears associated with a recession are...
No Escaping Gravity
Article 2 of 3: 2nd Quarter Commentary There is an old market expression that “interest rates move mountains”. Current dynamics are a perfect example of how true this expression is. Gravity may be the most powerful force in the universe but when it comes to...
Mounting Uncertainty
Article 1 of 3: 2nd Quarter Commentary As wonderful as the second half of 2020 and virtually all of 2021 was, 2022 started as a mirror image. We cautioned our clients that excessive stock prices wouldn’t hold while the Federal Reserve tapered bond purchases and...
Will Inflation Impact Your Retirement Plans?
“Inflation Forcing Retirees Back into Jobs” 1 “Everything Costs More, and That’s Disrupting Retirement for Many” 2 Headlines like these have been common in the news lately. While inflation is not the only factor in the “unretirement” trend that has been forming...
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