Archive

Please reload

Tags

December 21, 2018

The Fed raised interest rates again yesterday and expressed some concern over the direction of the economy after nearly a decade of market recovery and growth.  The VIX, the volatility index, has doubled to 25 in the last three months reflecting unce...

July 27, 2018

Back in the 1970's the NYSE traded 16-20 million shares per day (vs 4 billion today), certified financial planners were a new specialty, bonds represented at least 30% of every portfolio, traded options and derivatives were becoming fully realized, t...

May 9, 2018

If you are like many retired Americans dependent entirely on investments to meet your living expenses, you need to ask yourself if the volatility in the markets is likely to continue throughout the President's first term. With the tax bill the govern...

February 6, 2018

From my perspective in December of 2007, 2008 would be problematic.  I was approaching retirement. Real Estate prices had reached a peak and the stock markets, which were well up, were now showing increased volatility as several sectors were showing...

January 31, 2018

Some years ago I was just staring as a  credit-auditor for a top-25 bank just after the S & L Collapse that brought on a real estate credit crunch.  I had been risk-rating real estate loans, the process of assessing the risk of continued performance...

November 8, 2017

Over the past 15 years there has been a substantial increase in recommendations for Non-Conventional Investments (NCI) for retirees and income beneficiaries.  NCI's are non-traded securities, offered both publicly and privately, e.g. Real Estate Inve...

November 2, 2017

Wrap fees are the industry's method for monetizing inactive accounts. It is an annual fee intended to cover all account charges.  Wrap fees specifically exclude portfolio  management or advisory services.  The fee primarily covers all trading commiss...

October 31, 2017

Unfortunately, over twenty years or so, the $1 million cost for many is no exaggeration, much of it is hidden by rising markets and lost appreciation.  If you understand one thing about risk, this should be it.  Click on the Fee Illustratio...

October 29, 2017

Many financial advisers and financial plans depend on the use of so called "Retirement Calculators" to forecast sustainable distributions. You can find them on many financial websites.  Plug in your investment, income requirements, age, etc., and the...

October 28, 2017

If you currently receive monthly distributions from an equities portfolio or fund through an automatic withdrawal plan, chances are you're doing just that!  By today's standards 4% annual distributions seems to be the limit for sustainability of a po...

Please reload

Our Recent Posts

Please reload

Frederick W Rosenberg JD

973-761-8866

27 Village Green Ct
South Orange, NJ 07079
USA

©2017 by Frederick W Rosenberg JD. Proudly created with Wix.com