Investing and Personal Finance Archives

A Way to Potentially Maximize Your Pension Payments

September 22, 2022

If you’ve got a traditional pension plan from work, you’re one of only about 31% of Americans. Having a form of guaranteed income in retirement is always a nice benefit.

Investing and Personal Finance

When you manage exclusively for returns, you tend to forget about risk; and risk is really the most important part of the equation. This is why it’s far better to manage the risk in your portfolio, because when it comes to investing, returns are not always what you want them to be when you need them. Risk, though, is pretty much guaranteed.

Investing and Personal Finance

Investing: Is It Sometimes Better to Do Nothing?

August 12, 2022

Introduction If you’re like most investors, you’ve probably been hit pretty hard here in 2022. As of mid-July, the S&P 500 index was down almost 19%… this, after having gained almost 27% and hitting all-time highs just the year before. The turnaround was sharp, as investors started heading for the hills toward what they thought… View Article

Investing and Personal Finance

Managing Sequence of Returns Risk in a Down Market

July 14, 2022

If your portfolio is down in value, taking money from that declining portfolio is a risky move that can have dire consequences. That risk has a name: it’s called Sequence of Returns.

Investing and Personal Finance

What the Fed’s Rate Increase Means to You

July 7, 2022

On June 15, 2022 the Fed’s policy-making committee announced a 75-basis point rate increase, the largest one-time hike since 1994. Here’s what the Fed move could mean for you.

Investing and Personal Finance

Are You Really Diversified?

September 30, 2021

You’ve probably heard that diversification of your investments is a good thing. And it would seem to make sense that by keeping all of your eggs out of a single basket, and spreading your wealth across different asset classes and geographies, you may be able to avoid the catastrophic risk that often comes with just… View Article

Articles

Guide to Financial Survival During the Outbreak

March 19, 2020

With everything going on around the world, you may have noticed that it’s not only difficult to find everyday grocery store items, but also basic information regarding your money. With that in mind, here’s our Guide to Financial Survival During the Outbreak, a collection of topics, links, and potential solutions to issues that we at Lucia Capital Group believe you or others may find useful.

Investing and Personal Finance

The Risks, Rewards, and Who Should Own Preferred Stocks

September 26, 2019

Preferred stocks are really designed to provide a steady income through dividend payments, and their yields tend to be higher than traditional fixed income investments. For some people, this really adds to their appeal. Most of them are traded on a stock exchange, so you may also see greater transparency with the price. However, there are some risks and potential rewards of owning preferred securities, along with the big question: how do you know if they’re suitable for YOU?

Investing and Personal Finance

The Basics of Investing In Preferred Stocks

September 18, 2019

There are people out there who may be saving too much for retirement—and you might be one of them! Don’t get us wrong, building your savings is a good thing. In fact, we’re in the business of helping people do just that. You certainly don’t want to under-save, but over-saving can also be a problem.

Investing and Personal Finance

Should You Really Own Fewer Stocks in Retirement?

March 28, 2019

Have you ever heard those investing cliches that sound like real advice but aren’t? You know, like “sell in May and go away,” “the trend is your friend,” or the so-called “100 minus your age” rule, which says you can figure out how much you should own in stocks by simply subtracting your age from… View Article

How to Take Money from Your 401k Before Age 59 ½ Without a Penalty

Are You Retired and Charitably Inclined? Try This Strategy!

Investing: Is It Sometimes Better to Do Nothing?

Are You Really Diversified?

Should You Really Own Fewer Stocks in Retirement?

Investing and Personal Finance

A Way to Potentially Maximize Your Pension Payments

Why You Should Manage Risk In Your Portfolio

Managing Sequence of Returns Risk in a Down Market

What the Fed’s Rate Increase Means to You

Guide to Financial Survival During the Outbreak

The Risks, Rewards, and Who Should Own Preferred Stocks

The Basics of Investing In Preferred Stocks

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