Happy New Year! We hope everybody had a wonderful holiday season full of family, fun, and a little relaxation. We enjoyed the couple weeks off that we took from the office, even though we were still working some of the time. We did manage to squeeze in a little rest, but kept pretty busy getting ready for the new year. We've got a lot of changes in the works and we're excited to see what 2014 holds for us. As many of you may know from previous emails or conversations, James had a knee replacement at the beginning of December. His recovery is going very well and he is now back in the office. Once he gets his leg stretched out, you can barely tell that he had anything done when he walks. I think everybody is surprised that he is recovering so quickly, because the surgeon said his knee was the worst he's operated on aside from people who had been injured in traumatic accidents. I can't say that we're too surprised, though, because he's pretty tough (and stubborn). We would like to thank all of you who have wished him well over the past month. Knowing that you've been thinking about him has really helped him keep a positive attitude during what can be a very frustrating recovery process. We appeciate the sentiments. We also are working on expanding our office to include a conference room and an additional executive office for me to use once I start acting as an advisor (hopefully later this year). They have been knocking down walls, rebuilding walls, and making a bunch of noise for the past few weeks and we hope to have the renovations complete by early next month. We're very excited to be expanding and hope that it will allow us to help many more people going forward. Enjoy this month's articles. As always, if there is anything you'd like to discuss with us, please feel free to get in touch. Until next month,  Kelly Stillman Sabin |
Reverse Dollar Cost Averaging:
What The Heck Is That?
Lake Norman Magazine, January 2014
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Happy New Year everybody! We hope everyone had a joyous and meaningful holiday season. It was nice to have some down time over the holidays to recharge the batteries for the coming year.
Now, back to this reverse dollar cost averaging thing. I'm sure most of you have heard of "Dollar Cost Averaging". Simply put, it is when we contribute on a systematic basis to a retirement or savings plan that's invested in the stock market. The most familiar type of plan would be your 401k retirement plan. You add money every week or so to buy more stocks or Mutual Funds.
Sometimes you might feel you're paying a high price when markets are up, and sometimes you feel like you're getting a real deal when markets are down. The bottom line is you "Dollar Cost Average" into the market over a long period of time, putting money into the plan regardless of market conditions. This makes perfect sense when accumulating a retirement nest egg over a long period of time.
But, here's the big question: should you still keep all your nest egg in the stock market (stocks, bonds, mutual funds, etc.) while in retirement?
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The DIAS Focused Growth Portfolio
Under the Hood
GFPC Thought for the Week (280)
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Synopsis
*Equity markets were stuck in a "risk-on/risk-off" mode from 2009 to 2012, which made stock picking difficult for active managers because stocks were trading too closely together.
*We are beginning to see company specific fundamentals move stock prices instead of the equity market moving as a group, which should benefit stock selection vs. investing in index funds.
*The DIAS Focused Growth portfolio is designed for capital appreciation by holding equities that are poised for continued sales and/or earnings growth.
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Are We Getting Past Tapering?
GFPC Thought for the Week (281)
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Synopsis
*Over the last six months, nearly every positive economic data point has been met with a negative market reaction due to fears from traders that the Fed may begin tapering Quantitative Easing. *Last week's employment report was stronger than expected, and instead of a continued negative reaction to positive data, the equity market experienced a nice rally on Friday. *A single data point does not make a trend, but it would be encouraging if future positive data was as well received, indicating that market participants are now looking past tapering.
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