Limiting Risk and Growing Wealth with Fixed Income
Advisors need to help retirees and other investors limit downside risk and grow their wealth. We at Sierra share this goal, and in this webinar we will provide perspective on the challenges facing financial advisors. We will discuss how to build a well-diversified fixed income allocation that seeks to deliver the benefits of bonds, while mitigating against rising rates, defaults, bond market illiquidity and stock market volatility. We will also introduce a truly tactical, rules-based investment approach with the goals of limiting downside risk and producing returns that a conservative investor would deem satisfying.
We will review:
- The Emotional Challenge – Stocks vs. Bonds
- Seven years of “yield fixation”
- The risks in fixed income allocations through three lenses:
- Interest rate risk
- Bond funds that don’t act like bond funds
- Does shortening duration provide rotection?
Quarterly Market Outlook: Walking a Fine Line
Markets have been walking a fine line, with a still-struggling economy on one side and hopes for a COVID-19 vaccine breakthrough on the other. Heading into the fourth quarter, there are both encouraging signs and cause for caution.
How to Prospect Your Network (Without Being Salesy)
Your social network may be an untapped and robust source for uncovering prospects. While you may be suffering from COVID-19 fatigue, we believe prospecting and having introductory conversations about the services you provide could be one of the best uses of your time.
Why Annuity Demand Fell During the COVID Crash
Market crashes, such as we experienced in March at the onset of the pandemic, drive assets to the safe haven of government bonds. But our research shows this flight to safety mindset did not translate to an increase in demand for annuities.
The Seven Cases to do a Roth Conversion
Should your clients convert some of their traditional tax-deferred money (e.g. IRA or 401K) to an after-tax Roth account? There are some myths that are just plain wrong. Here are the seven situations to consider when advising on this issue.
Middle-Class Wages: August 2020 Update
We've updated this series to include the August release of the Consumer Price Index as the deflator and the monthly employment update. The latest hypothetical real (inflation-adjusted) annual earnings are at $42,177, down 6.7% from 45-plus years ago.
U.S. Workforce: August 2020 Update
We've updated our monthly workforce analysis to include last Friday's Employment Report for August. The unemployment fell to 8.4%, and the number of new nonfarm jobs (a relatively volatile number subject to extensive revisions) came in at 1.84M.