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InThisIssueIN THIS ISSUE 
July 12, 2016 
Before_The_BellWBZ1030 with Dave
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First_articleWhen It Comes to Retirement, Timing Is Everything

Most everyone dreams of the day they can finally retire and live the life of leisure. Yet recent evidence suggests that most near-retirees and retirees  When It Comes to Retirement_ Timing Is Everything need to do a better job of timing and long-term planning.
 
One study, conducted by the Society of Actuaries, looked at retirement risk factors and concluded that while decisions around the timing of retirement are among the most critical, for most individuals, those decisions are not carefully planned out.
 
The study found that while a high percentage of retirees/preretirees have considered delaying retirement, when asked how a three-year delay in retirement would or could have affected them financially, almost half of current retirees said a delay would have made them no more financially secure.
 
The_MarketsThe Markets
Is the Record Low 10-Year Treasury Rate the K�bler-Ross Rally?
 
When the yield on 10-year Treasuries finished last week at 1.37 percent, a record closing low, Barron's called it a K�bler-Ross rally. When the yield on 10-year Treasuries finished last week at 1.37 percent_ a record closing low_ Barron_s called it a K_bler-Ross rally.
 
Elizabeth K�bler-Ross was a Swiss psychiatrist whose research identified the five stages of grief: denial, anger, bargaining, depression, and acceptance. According to Barron's, institutional money managers have reached the final stage of grief and accepted that bond yields may remain low for some time:
 
"Far from irrational exuberance, many institutional investors voice resignation (or worse) to the fact that they are forced to put money to work at record low yields..."

More 'Market Commentary' here.                                  
 By_the_NumbersBy the Numbers 
By the numbers 7-08-16
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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Dave Caruso, CFP�
Coastal Capital Group
  
email:dave.caruso@CCGWealth.com
phone:1-978-777-3116
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