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InThisIssueIN THIS ISSUE 
April 5, 2016 
Before_The_BellWBZ1030 with Dave
Before the Bell
with Dave Caruso
Financial updates and news for investors from Dave Caruso, ahead of Wall Street's opening bell.
 WBZ1030 Weekday Morning Radio Show 9:25am and Friday evening at 5:25pm 

LPLBond Market

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HeadlinesHeadlines
  • Brussels Airport Resumes Passenger Flights
  • Amtrak Train Derails Outside of Philadelphia
  • Greece Begins Returning Migrants to Turkey
First_articleCan You Afford Early Retirement?

Early retirement is a phrase many Americans wish they could turn into a reality. While retiring in your 50s or early 60s sounds enticing, it typically requires years of planning to make sure you've accumulated enough retirement assets to last for 20 or 30 years or more. It's important to factor in how an early retirement could affect your Social Security benefits, options for health insurance, and the nest egg you plan to rely on for ongoing living expenses.
 
Social Security and Medicare
Those who collect Social Security at age 62, the earliest age when most retirees are eligible, face a permanent reduction in benefits.

Read the rest of the post on 'Can You Afford Early Retirement?'. 
The_MarketsThe Markets
It's like déjà vu all over again!

This wasn't the first quarter, or even the first year, that bond markets have not performed in the way Wall Street strategists have expected.
 
During the first quarter of 2016, despite persistent predictions yields would move higher after the Federal Reserve's rate hike, yields fell and bond values increased. Government bonds delivered the strongest returns gaining 3.7 percent for the quarter, according to Bloomberg.
 
There is an inverse relationship between interest rates and bond prices. When rates move higher, bond prices move lower, and the value of investors' holdings may fall.

More 'Market Commentary' here.
 By_the_NumbersBy the Numbers 
By the numbers 4-1-16
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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Signature

Dave Caruso, CFP®
Coastal Capital Group
  
email:dave.caruso@CCGWealth.com
phone:1-978-777-3116
  Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Coastal Capital Group, Inc. a registered investment advisor and separate entity from LPL Financial.

  
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. 
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