Young Professionals
Helping you set and attain your financial goals
Young Professionals seek promotions and may have already changed employers. While promotions are exciting, the added employer expectations and time demands may put your investing decisions on the back burner.
Integras Partners with Young Professionals who want to be better stewards of their money. You may have scattered investments, a growing savings account, and a desire to better understand your investment opportunities. This is a great time to define your financial goals and establish behaviors that help attain them.
Early investors can reap tremendous returns. Investment returns compound over time, so starting early gives you a great head start towards retirement and financial independence. Even if you later need to taper down investing when starting a family or buying a home, your existing investment will continue to grow, as shown in the chart below.
Notes: Assumes an 8% interest rate, compounded annually.
Source: Catanzaro, M. (2018). How Does Compound Interest Work? Federal Reserve Bank of St. Louis
Insights for Young Professionals
IRA Basics – Traditional vs. Roth
An IRA (Individual Retirement Account) is a great opportunity for younger investors to save for retirement. IRAs come in two flavors, Traditional and Roth, the main difference being when taxes apply. While traditional IRA contributions may provide a current year tax...
Light at the End of the Tunnel
Laser-focus on inflation was the key driver of both interest rates and market performance over the past two years.
Reflecting on 2023
While the S&P 500 rose 26% at the headline level, it was almost entirely due to just seven “magnificent” tech stocks.
Closing the Gender Gap in Investing
19% of women report feeling confident selecting investments that align with their goals
Where are the Opportunities in Today’s Markets?
Bullish sentiment ran out of steam during Q3 2023. In a previous blog we discussed the primary culprit for that. All that said, we are now in the final quarter of the year.
Will Rising Interest Rates Cause a Recession?
August, September, and October are historically the worst three months for market performance and 2023 was no different. Everything but cash, oil and short-term treasuries had negative 3rd quarter returns. The S&P 500 lost 3.25%, small caps fell 5%, international markets dropped 3.5%, and long-term treasuries lost an astounding 8%.
Finding Value in Overlooked Sectors
The big question for investors now is where to be invested going forward. With the overall market trading at 20x earnings and first half gains concentrated into only a select few stocks, most of the market has been left behind. With the valuations of the high-fliers...
No matter where you stand on your financial journey, we’re here to help.
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