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Personal Finances: Some Reminders

Right now, Doug is having annual reviews with his clients, discussing personal finances and investing ideas. This season leads us to consider how we can help you and our clients with personal finances and overall financial health.

Here are a few reminders for you, as you consider your personal finances:

  • Beneficiaries – You need to look at these from time to time and make sure that these are up-to-date and correct for your life now. Particularly if you’ve had a loss or other change in your life, this is an important step.
  • Trustees – If you have $100,000 or more in net worth, you must have a revocable living trust, in our opinion. Instructions to the courts, the IRS, your financial advisers and others are critical for if something should happen to you. You need to look at who those trustees are and if that is still appropriate.
  • Spousal support – If you have a pension or something similar, and your spouse does not, you need to look into how to care for your spouse should something happen to you and your pension go away.
  • Assets inventory – Know where you own property, what those assets are doing for you and why you own them. Many people have personal affects that are worth a great deal and you need to know what you own and what your debt and assets are.
  • Strong financial team – A financial adviser, CPA, realtor, family, friends, business partners and others can all be part of your team, and the quality of those individuals are key to your success in personal finances.
  • Capital preservation/exit strategies – You need to have an exit strategy for your investments and be aware of your risk tolerance and how to preserve your capital. Risk is always a factor in investing, but we believe that more volatility may be on the way.

If you have questions about these ideas or you need more information about these reminders, please email Doug at askdoug(at)dougfabian(dot)com.

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Strategy When Investing

Strategy is when you take an investment idea and you start to implement it. Using strategy – not just buying and selling, but using an overarching idea and concept – is vital to smart investing.

Equity markets are in an uptrend right now, with low volatility. Markets get spooked from time to time for a day or two, but nothing has disturbed the overall uptrend so far. Our preference right now is the emerging markets, particularly China.

Dividend strategies are all working right now, as well as floating rates, which are a good investment and very low-risk at this time.

Commodity investments are also working right now. Oil, energy, precious metals and other commodities are showing great movement for investors, and ETFs are a terrific way to invest in commodities.

Decide which strategy you’re following for each position in your portfolio, and stick to it. All strategies stop working at some point in time, so it’s important to be flexible, be alert and know what your risk tolerance is in your investments.

If you’re unsure about your strategies or feel you need more guidance in your investing, call our offices at 800-391-1118 for a wealth coaching session. Doug will be happy to sit down with you and go over your goals and your portfolio. You can also email questions to askdoug(at)dougfabian(dot)com.

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Announcements from Doug Fabian

If you are not a client of Fabian Wealth Strategies or a subscriber to Successful ETF Investing, we strongly encourage you to check out the special offers at Fabian.com right now. We have specific portfolios, buy/sell signals and other fantastic information for you as you invest with ETFs.

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We have upgraded our weekly video updates, and we are giving a ton of great information about ETF strategies and quick investing tips for savvy investors. If you haven’t been watching our video updates, click above to get caught up and check them out.

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Doug is still offering Wealth Coaching discussions! If you need guidance with your portfolio or if you just want new strategies for your money, this is a perfect opportunity for you. To sign up, call our offices at 800-300-3684 to arrange for a one-on-one meeting with Doug and hear his insight into your investments.

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If you’d like to see Doug present his investment ideas live, sign up for the San Francisco Money Show, coming up in August 2014. Doug will be offering several presentations and would love to meet you in person. Click here for information and tickets.

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When Will Politics and Policy Matter to the Financial Markets?

Like many of you, we wonder when the policies of our own government will affect our investments. As you know, the politics and economic policy of the world and our own country are worrisome and very unusual. National budget deficits and surprising Central Bank action around the world has made an interesting investing market around the world.

National debts and deficits can handle higher interest rates, and so we’re watching those. It’s not something that we are worried or stressed about at this point, but we are aware and staying on top of this issue, in case it becomes a serious concern.

We have a U.S. Presidential approval rating of 44% and people are getting seriously upset about the direction of the country, and Congress is doing even worse at 7% approval. The IRS scandal, the VA scandal, the immigration problem on the border with Mexico, and other current affairs are still not affecting the markets. We are preparing for the day when these news items significantly affect our investments and we are ready for a crisis if one should come along.

If these news items concern you and you want to be prepared as well, please call our offices at 800-391-1118 and let us help you consider your portfolio in light of recent policy and political affairs.

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New Complete ETF List Available

The new complete list of all Exchange Traded Funds is available now on FabianWealth.com! Please take the time to download this list and use it for your investing plans – it is comprehensive and very helpful for any level of investor who might be interested in using ETFs.

Also, keep in mind that Doug will be presenting at the San Francisco Money Show in August, and we’d love to see you there. All investors are welcome and it’s always a great time in San Francisco.

We think it’s important for every investor to look at their portfolios right now, at the halfway point of the year. This mid-year evaluation might be even more important that the January evaluation, so be sure to take the time out of enjoying your summer to pay attention to your investment portfolio. If you’re not sure how your portfolio is performing or if you need direction to accomplish your investing goals, please call our offices at 800-391-1118.

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Video Update: Halftime

We are entering the 2nd half of 2014, and it’s time to look closely at your investments. Look at your big picture allocations and where you may have under-performing assets in your investment portfolio. What is right for you? Are you a growth investor or income investor?

Income investors are more conservative, and in the world of ETFs there are wonderful options for both growth and income portfolios. Whether you are a risk-taker or a conservative, safe investor, you can find an ETF that’s right for you and your goals.

For more information on these topics, watch Doug’s full video here.

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July ETF Snapshot: Top 10 Exchange Traded Funds So Far

Emerging markets and precious metals both severely underperformed the major indices in 2013; however, through the first six months of 2014 they’ve rebounded with a vengeance.

Emerging Markets:

From a valuation, technical and psychological perspective, emerging markets still are at attractive levels, and deserve a hard look from any serious investor. The risks to emerging markets include a rapid increase in interest rates or a precipitous decline in global growth, both of which have yet to materialize.

Precious Metals:

An ugly duckling in 2013, precious metals have proven their collective mettle so far in 2014. Physical commodities have benefited from inflation concerns, as they represent a hedge against the weakening of various currencies. As for mining stocks, they used the drop in metal prices in 2013 to slow exploration and production and to lower operating costs.

Now that the precious metals prices are rising, mining companies are benefiting from the favorable economics here. Growth and inflation fears will likely continue to dictate the direction of precious metals and mining stock prices into year’s end.

To see which funds made our top 10 list of favorite BRIC ETFs, check out the new Fabian Wealth Strategies ETF Snapshot Report today!

If you have questions about this report and how it fits into your portfolio, please call our offices at 800-391-1118 to arrange for a consultation.

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Video Update: Happy 4th of July!

The 4th of July is one of our favorite holidays here at Fabian Wealth Strategies, and we want to wish all of our friends, clients and listeners a very happy holiday today.

Enjoy your long weekend with friends and family, and we’ll see you Monday with another brand-new Market Update podcast.

Watch the video update and hear Doug’s commentary on the markets here.

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Two Important Articles on Bonds

A couple of important articles for your review:

Financial Times: Fed looks at exit fees on bond funds

http://www.ft.com/cms/s/0/290ed010-f567-11e3-91a8-00144feabdc0.html#ixzz36EzMbutN

Barron’s: No Exit From Bond Funds?

http://online.barrons.com/news/articles/SB50001424053111903927604579628353649352222

 

These articles highlight very important discussions for investors to be aware of and educated on. If you have concerns about your bond investments, your risk profile or your investment allocations, please email Doug at askdoug(at)dougfabian(dot)com.

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High-Yield Market Sectors

In today’s investing environment, high-yield investments are:

  • Energy
  • Emerging Markets
  • Commodities
  • Precious Metals

We think that these investment categories will help you get a better return on your money than the inflation that you’re currently experiencing in your life. We all know that inflation is happening in basic commodities like food, water, electricity, taxes and gas for your vehicle; and smart investors should be looking for ways to combat the higher cost of living in their portfolios.

We think that these sectors are great options for any size portfolio, and we’d love to talk with you about your specific needs and goals. Please call our offices at 800-391-1118 for a free consultation about your investments and allocations.

(This is a podcast summary. For the full broadcast, click here.)

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