Integras Insights
Insightful, Curated Articles to Help You Make Sound Financial Decisions
Will Market Dynamics Lead to Upheaval in a Stable Economy?
Markets rose each of the first eight months this year, then the rollercoaster started. The third quarter began with concerns over the Delta variant, a lack of workers, continuing supply chain disruptions, inflation fears, and the Federal Reserve “tapering” their...
Are Real Estate Investments Right for You?
Successful investing demands risk management through both economic and market cycles. Stock investors are accepting increasing valuation risk as excess cash pushes stocks ever higher. The Federal Reserve is poised to “taper” their...
Taking the Stress Out of Investing!
Retiring is an emotional event, and most people struggle with the transition from earning and saving, to relying on their investments to supplement their Social Security. One of the biggest risks to a successful retirement is investing too conservatively. Watching account balances go down is never fun, and usually very stressful for retirees.
Are 2021 Stock Markets As Good As It Gets?
Consumers, flush with saved cash, are spending freely. We expect GDP growth upwards of 8%; before returning to the anemic 2% we’ve seen over the past decade. The S&P 500® index built on 2020 recovery gains and finished up 14.4% for the first half, adding 8% over the Spring quarter. Foreign markets (ACWI ex-US)1 rose 5.5% since March and are up over 10% this year, comparatively subdued by a prolonged COVID crisis in Europe, India, and South America.
Retirees Can Invest for Income and Growth with Less Risk to Both
A client referred his mom to us. Ann is recently widowed and has been planning to retire from the job she has held for decades. She wants to downsize her home, live close to her grandchildren, and is now facing her next chapter in life. She relied on the...
Would you like to have Nobel Laureates help with your investments?
We are among a select group of advisors who directly trade with Dimensional Fund Advisors (DFA). This mutual fund family was started in 1981 by alumni of the Booth School of Finance at The University of Chicago with the idea that stock markets are efficient and reward long-term investors.
Markets Have Already Priced-In the Economic Recovery
With vaccinations leading to herd immunity, the US economy continues to blast out of its record-setting 2020 contraction. Economic data continues to confirm what financial markets anticipated months ago: Not since the early 1980s have we experienced an economic resurgence like the one ahead of us, but it likely will not be a long ride.
Interest Rates Exerting Glacial Pressures
As the economy recovers and we inch ever closer to enjoying life as we knew it, the travel, dining, and entertainment sectors will benefit most. We also anticipate infrastructure projects to further accelerate economic recovery, so are tactically shifting cash into those sectors.
Realizing Your Dream in Retirement
Paul and Maria came to us for clarity on their retirement readiness and advice on strategies for moving forward.
We helped them realize that dream when they have only the lake home mortgage, supported by income from the retirement accounts and two social security checks.
Timely Retirement Plan Investment Ideas
Today, our crystal ball is as clear as ever. We see the percentage of vaccinated Americans increasing daily, that $4 Trillion dollars was saved in the last year, and everyone is poised to resume leisure travel, dining out, shopping and handle a list of postponed activities and purchases.
No matter where you stand on your financial journey, we’re here to help.
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