Articles by Peter Donisanu

Are Vaccine Hopes a Shot in the Arm for the Markets?

Financial markets have posted notable gains month to date.  And market optimism concerning the US elections has been amplified this week by hopes for a COVID vaccine.  A key question for investors now is whether news of a vaccine will be enough to push risk assets higher through year-end, even as accelerating COVID infection rates threaten an already fragile economic recovery. Without a doubt, the news of a means to quell the spread of this year’s deadly virus is a…


Look for Investment Opportunities in a Biden Win

The outcome of next month’s Presidential Election is likely to be of great consequence for the US economy and financial markets. Given former Vice President Joe Biden’s recent gains in the polls, it’s possible that the market narrative driving markets could turn if Biden clinches a victory in November.     This narrative shift means that investment strategies that may have worked over the past six months could struggle to maintain their momentum as we move into the coming year. That’s…


Why is Tax Efficiency Crucial to Retirement Savings and Income?

Let’s face it: nobody likes taxes, and no one (save for a few accounts) enjoys talking about taxes. The truth is that not paying attention to tax-efficient savings decisions might leave you with a smaller nest egg and cost you more in retirement. For some individuals, gaining a high investment rate of return is their top savings priority.  But did you know that being more mindful about the tax consequences of your savings and investing decisions could leave you with…


Take these 5 Back-to-the-Basics Steps when Markets Move Against You

Market volatility can have a way of derailing your best-laid investment strategy. So, what can you do to reduce risk when markets move against you? Stay invested and get back to the basics. As with most life situations, when circumstances put up roadblocks to your goals, your first response may be to double down on your current approach instinctively. However, doing more of what you already have done may not only deplete your resources, it may also exacerbate an already…


These Two Techniques May Help You Avoid Gambling with Your Financial Future

How certain are you that you’ll achieve your crucial financial goals? Even if you’ve had the most basic experience preparing for the long-term, you likely know that having the right financial target in mind for retirement, financial independence, or a big-ticket purchase is vital to a successful planning outcome. But did you know that basing your financial allocation decisions on a static, unchanging view of the world might leave you gambling with your financial future?   Indeed, understanding how your…


Has the US Dollar Lost its Dominant Reserve Currency Status?

Is US dollar dominance poised to end, and what might it mean for your finances?  Uncertainties surrounding US dollar strength have been top-of-mind for some individuals for many years and for a good reason. A significant decline in our nation’s currency could lead to higher prices for the goods and services you consume and make it more expensive to borrow money for big-ticket purchases like a house or a new car.  Today, there is a sensible argument to be made…


Five Ways to Free Up Cash When You Have Little in the Bank

Cash is king. During times of uncertainty, having cash on hand can make the difference between financial stability and the host of issues that come with insolvency. That’s why regardless of your current financial situation, having cash options can not only help keep you solvent, they can also ensure that you stay on track right toward your crucial life goals. So, what can you do to raise cash if you have little money in the bank?   Without a doubt,…


Are Emerging Markets the Right Investment for You?

Should emerging markets have a place in your investment portfolio? In today’s low yield, low growth environment, some investors are looking outside of the US to generate extra returns on their savings. For some individuals, emerging markets appear attractive on the surface, given their historically robust economic growth rates and higher bond yields. Indeed, there’s a strong fundamental case to be made for investing in emerging markets.   Yet the task of finding the right opportunities can seem daunting, given the…


How Can You Rebuild a Broken Retirement Three-Legged Stool?

The road to retirement is not as straightforward as it used to be. There was a time when simple metaphors, like the three-legged stool of retirement, captured how you could achieve retirement security with ease. This concept illustrated how securing a good pension, obtaining a solid return on your savings, and relying on social security might have paved the way for financial comfort in your golden years.  Relying on just one leg could lead to failed retirement goals, while relying…


Worried About Inflation? Look Beyond Gold.

Savers are increasingly looking to gold as a way to address rising inflation and for a good reason. The Federal Reserve’s policies in 2020 have massively expanded the supply of money. And more money could lead to higher prices down the road. In anticipation of this concern, some investors are considering gold investments to hedge, or protect against, higher inflation. But a key question for many investors is whether gold is an appropriate way to protect against rising prices. Our…