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InThisIssueIN THIS ISSUE 
August 2, 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   

Perspective 

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HeadlinesHeadlines
  • Russian Helicopter Shot Down in Syria 
  • FBI Employee Charged with Lying About Contact with Chinese Nationals 
  • Europe Losing Track of Child Refugees
First_articlePhases of Retirement: Updating Your Finances for Your Changing Lifestyle

Although many Americans now plan for a retirement up to 20 years, your Phases of retirement retirement may last much longer.

Believe it or not, living nearly a century may someday soon be almost commonplace. As a result, rather than thinking of retirement as the final stage of life, a more realistic approach may be to view it as a progression of phases, such as early, middle, and late. This involves taking a fresh look at retiree expenses and income, as well as withdrawal and estate planning strategies.
 
Read more on The Phases of Retirement.
The_MarketsThe Markets
Here's a brain tickler for you:
Bank rate cut
  • In July 2016, there were four. 
  • In June 2016, there were 10.
  • Since 2008, there have been 673!

What are they?

If you guessed central bank rate cuts, you are on the money. Financial Times reported:

"In the eight years since the collapse of Lehman Brothers, the world's top 50 central banks have, on average, cut rates once every three trading days..."

More 'Market Commentary' here.                                  
 By_the_NumbersBy the Numbers 
By the numbers 7-29-16
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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