Market Glue Falls Apart All At Once

I left breadcrumbs for you, the entire time. These can all be found on this newsletter, and now sit on gh2benefits.com.

• Stronger Dollar Sounds Great, But May Not Be

• September Is “Suddenly” Nasty

• Theory Alone Does Not Pay Bills

• Mr. Market Has Given Many People A Gift

Take A Wild Guess What I’ll Say

r is now not only much higher, but it is unstable. The smart guys in the room can plan on a slowly, stable higher r. But higher and unstable r? Nope. Risky assets have taken note.

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— Maximize Your Medicare by Jae Oh

All insurance products sold through this site are processed through the licensed entity/agent: Jae Oh, NPN 15996497. We do not offer every plan available in your area. Currently we represent approximately 15 organizations which offer over 100 products nationwide. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Good Debt, Bad Debt

In This Broadcast: 1. **Interest Rates and Debt Dynamics:** Rising interest rates significantly impact debt, from personal loans to national debt. Understanding the relationship between interest rates and debt is crucial for making informed financial decisions. 2. **Bond Market Volatility:** The bond market, which includes both individual bonds and bond funds, is sensitive to interest rate changes. Bond prices can fluctuate, affecting the value of bond investments. 3. **Government Debt Concerns:** The national debt, particularly in the United States, is growing, and the cost of borrowing for the government is also increasing. This can lead to a cycle where higher interest rates make it more challenging to manage the national debt. Summary of the Video In this video, we delve into the impact of rising interest rates on various forms of debt, ranging from personal finances to national debt. We discuss the importance of comprehending how interest rates affect debt and discuss the dynamics of the bond market, where bond prices can fluctuate due to interest rate changes. Additionally, the video touches on concerns related to the growing national debt and how higher interest rates can create challenges in managing it. Understanding these concepts is essential for making sound financial decisions in an environment of changing interest rates.

The Benefits of Target Date Funds - A Guide to Retirement Investing

Information about Anne can be found online: https://annelester.com 3 Bullet Points with Takeaways - Target date funds are an effective retirement investment option, especially for those who prefer a hands-off approach to managing their portfolios. - These funds follow a "glide path" that gradually shifts the allocation from high-risk assets (like stocks) to lower-risk assets (like bonds) as the investor approaches retirement age. - By simplifying investment decisions, target date funds help individuals avoid emotional pitfalls and achieve a balanced, diversified, and more reliable retirement savings. Summary In this informative video, Anne Lester, a former head of Retirement Services at JP Morgan, discusses the benefits of target date funds as a reliable option for retirement investing. Target date funds work on a "glide path," adjusting the asset allocation over time, becoming less risky as the investor nears retirement age. This feature helps mitigate the impact of market volatility and emotional decision-making, as the fund's allocation is professionally managed. Anne highlights the importance of diversification and touches on the significance of providing a simpler investment approach for individuals who may not have the time, interest, or expertise to actively manage their retirement savings. Target date funds offer a do-it-for-me option that helps remove the burden of decision-making from individual investors. Moreover, she explains the considerations in selecting the appropriate target date fund based on factors like desired retirement age, risk tolerance, and financial goals. The video emphasizes the significance of long-term planning and staying committed to the retirement savings strategy, while discouraging common pitfalls like early withdrawals and frequent adjustments. In conclusion, target date funds are a valuable tool for individuals seeking a reliable and low-stress way to build their retirement savings. The simplicity and automatic adjustment of asset allocation make these funds a suitable choice for many investors who wish to secure a financially stable retirement future.

Watch on YouTube: https://youtu.be/XOR3FnKQ6JM