Headlines
- France Seeks Closer Ties With Cuba During Castro Visit
- British Woman Jailed for Joining Islamic State
- More Than 50 Alleged Members of MS-13 Gang Indicted in Boston Area
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Financial Review Checklist
There You don't need to wait until the beginning or the end of the year for a financial review, especially if your investment mix, risk tolerance, or time horizon has changed recently. When meeting with your financial advisor,
consider whether the following areas of your life are on track.
Retirement Planning -- Have you determined approximately when you expect to retire and how much you need to accumulate as a nest egg? If your retirement is close at hand or if you are already retired, your financial advisor can help you calculate how much you can withdraw for annual living expenses without depleting your assets.
More on 'Financial Review Checklist'.
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The Markets
How low can you go?
The Bank of Japan (BOJ) dove into the negative interest rate rabbit hole last week when it dropped its benchmark interest rate to minus 0.1 percent. If you've been following Japan's story, then you know the country has been struggling with deflation for almost two decades. The BOJ's goal is to push inflation up to 2 percent. MarketWatch explained the idea behind negative interest rates:
"Central banks use their deposit to influence how banks handle their reserves. In the case of negative rates, central banks want to dissuade lenders from parking cash with them."
More on 'Market Commentary' here.
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By the Numbers
Notes: S&P 500, Gold, DJ-UBS Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized ... more important disclosure mentions found here. (We urge you to read the entire disclosure statement.)
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