Stocks have historically paid much more in income over time than bonds.  Please let me show you an example from the past 30 years. Imagine you have just retired. It is 1993 and you need to decide what types of investments are going to generate your income now that you are no longer working. Just […]

One of the most important decisions you will ever make for your family’s long-term future is the blend of stocks and bonds in your investment accounts. This mix will be by far the dominant driver of your investment returns. It is crucial to choose an investment allocation that matches your financial plan and then rebalance […]

There is currently a major market crash underway. This specific area of the market is down more than 40% since December 2021 and you may not even realize it. And we’re not referencing any area of the stock market. We’re talking about bonds. Specifically, bonds maturing in 20 years or more. What’s perhaps most shocking […]

This is an emergency drill and it may be one of the most important things you ever do as a long-term investor. Your investment accounts are down 40%, the market seems to be in a free fall, the economy and world are full of uncertainty, and there is no clear end in sight. Now pause. […]

Today we wanted to discuss one of the key measures of risk that we use at Presilium once clients are retired—how many years their financial plan has as a cushion. How many years can we only use the income and bonds in your investment accounts before we would have to use stock to meet your […]

Today we wanted to talk with you about the yield curve and how it impacts where and how you should be allocating your money kept in cash and bonds. The yield curve is an illustration that shows the interest rates of bonds at different maturity dates. A maturity date is more simply known as the […]

Today we will discuss something most people know they should be doing, yet almost no one does on a consistent basis: rebalancing your investment portfolio. Rebalancing, put simply, is moving your portfolio back to your target investment allocation as the market moves up or down. At Presilium, we start each relationship by building a financial […]