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Wiser Wealth Management Blog

dividends
Retirement & Investing

Dividends on the decline

Dividends on the Decline The Wall Street Journal reported today that 83 publicly traded US companies have suspended or canceled dividends in 2020 and 142 companies have reduced dividends thus far. This is more than the last 10 years combined, with energy and consumer discretionary being hit the hardest. Large cap value stocks, which overall pay a higher divided, have declined 17% year-to-date compared to the S&P 500 down 10% and large cap growth stocks are down 5%. The S&P 500 currently yields 1.9%, the

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free budget tools
Debt & Credit

Top Three FREE Budget Tools

There has never been a better (or easier) time to track your expenses and assets than in this current financial environment. There are many free budgeting tools out there to use.  And the good news is that over the last thirty days your expenses have probably decreased because you can’t go anywhere! You should also have more time to dedicate to getting your finances in order. Dave Ramsey is still touting the old envelope system to budget with. This approach works well in weening someone

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risk tolerance
Personal Finance

Understanding Risk Tolerance

What exactly is risk tolerance? By definition, it is the measure of an investor’s willingness to accept risk. Understanding your risk tolerance is essential to understanding how much loss you can stomach during a stock market downturn. Wiser Wealth Management’s portfolio advisor, Brad Lyons, explained the concept of loss aversion and how investors feel more pain from losses than the joy of capital gains in a recent blog. Understanding your risk tolerance helps determine the type of allocation that an investor should maintain in their

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financial crisis
Debt & Credit

Financial Crisis Survival Tactics

Just a few months ago, unemployment was at a record low. Now with 22 million people  unemployed, there is a good chance that many families across the country are suddenly struggling or dipping into reserves. Statistically, most of these families are not prepared. If you are one of those currently experiencing a crisis, here are some steps to help you manage financially through this difficult time. Manage Household Cash Flow Ideally, prior to your current situation, you would have recession proofed your household and would

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small business
Research & Economic Commentary

Small Business Relief

Small businesses across the country run America. More people are employed by small businesses than any other size. It makes sense that to help the economy fight COVID-19 with the CARES Act, small businesses are a focus. I have listened to several webinars from national CPA firms about Small Business Administration (SBA) changes and these new programs. I have attached my notes and information from the SBA on current SBA loans, Economic Injury Disaster Loans (EIDL), Paycheck Protection Program (PPP) and the Employee Retention Tax

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life insurance
College Savings

Buyer Beware: Life insurance targeting college parents

A recurring and concerning theme we have heard about recently at Wiser Wealth Management is college prep “counselors” and insurance agents pushing whole life insurance as the miracle college savings strategy. These so-called counselors are targeting high school parents by glorifying whole life insurance and stating the pitfalls of 529 college savings plans. If you are not familiar with both, let me briefly explain each. Whole life insurance is a type of permanent life insurance policy that has a cash value savings component built in.

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market history
Research & Economic Commentary

Are We Going to Be Ok?

I drove to the office Friday morning after the state of Georgia mandated shelter in place (my business allows me to be essential). My commute is only 3 miles, but on a normal day it can take fifteen minutes to get out of my neighborhood and to my Marietta Square office. As I turned onto the main road, my first thought was this feels like Christmas morning and I am looking for batteries! Traffic was nonexistent. The usually busy Starbucks on the corner was closed.

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don't rely on headlines
Personal Finance

Volatile markets: Don’t rely on headlines

Falling and volatile markets and drastic headlines can tempt individuals to abandon their long-term investing plans. Their thinking might go something like, let’s wait until it’s over, hoping to catch the market at its lowest point before buying in. Or in rising markets, maybe they seek to sell most of their holdings near the peak. However, timing a volatile market is essentially an impossible task, as the chart on this page illustrates. It’s good to remember: Headlines shouldn’t dictate when you invest; they may not

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Personal Finance

What is loss aversion and how to avoid it?

Loss aversion refers to people’s tendency to prefer avoiding losses to acquiring equivalent gains: loss aversion implies that someone who loses $100 will be more disappointed than another person will be happy from receiving a $100 windfall1.  Some studies have even suggested that losses are twice as powerful, psychologically, as gains. This principle of loss aversion is very prominent in investing and in constructing portfolios designed to achieve investor’s long-term objectives. As investors, we know that over very long periods stocks have outperformed bonds –

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Personal Finance

Planning Opportunities During a Bear Market

A bear market provides planning opportunities to add value to our client’s financial lives. With the most recent market selloff and constant bad news surrounding us, it can be easy to get distracted from our long-term investment objectives and become pessimistic. Investors are frustrated and scared, struggling to watch their retirement accounts values drop daily with the volatile swings. However, we cannot let this distract us from the fact that there can be some good through this bad. A bear market provides opportunities to add

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