Blog

The Highs and Lows of Dollar-Cost Averaging

By Chad Centorbi | August 11, 2020 |

Investors who defer the same amount of money from their paycheck into a 401(k) plan at regular intervals are practicing dollar-cost averaging. By investing the same fixed dollar amount each time, the investor buys more shares when prices are low and fewer shares when prices rise.1 The long-term effect is that the average cost of…

Recovery: COVID-19 First, Then the Economy

By Chad Centorbi | August 4, 2020 |

The World Health Organization recently reported that while some countries have made effective inroads to contain COVID-19 within their borders, the pandemic is still well on the rise throughout the world.1 Perhaps one of the most debilitating impacts of today’s global economy is that one country’s problem is now every country’s problem. Because business and…

U.S. Virus Response Compared to the World

By Chad Centorbi | July 28, 2020 |

The COVID-19 pandemic has been a struggle around the world, and the United States is no exception. It is worth looking at individual factors to gauge just where we stand now. The foremost concern is how the U.S. is weathering the pandemic. Initially, the crisis was concentrated in larger urban areas, which makes sense. A…

Prospects for the Automotive Sector

By Chad Centorbi | July 21, 2020 |

We take a lot for granted, including the condition of the car that sits in our driveway. During the coronavirus pandemic, those cars have been sitting idle much more than usual. That’s not necessarily a bad thing. It means we spend less money on gas and maintenance. Also, our risks of having an auto accident…

How Might the Economic Downturn Affect Dividends?

By Chad Centorbi | July 14, 2020 |

If a large allocation of your retirement portfolio is invested in dividend-paying stocks, you might see your household income reduced this year. During the Great Recession, dividend payouts dropped by 25% and didn’t fully recover for at least four years. Today’s financial crisis brought on by the worldwide COVID-19 outbreak has once again created a…

Social Security Woes

By Chad Centorbi | July 7, 2020 |

In 2000, actors Helen Hunt and Kevin Spacey starred in “Pay It Forward.” The premise of the film is that a person repays a favor by offering small acts of kindness to more people. This concept of paying it forward leads to an exponential movement of goodwill. Social Security works a bit like that. In…

How the Pandemic Is Affecting the Real Estate Market

By Chad Centorbi | June 30, 2020 |

Research has found that over a 150-year period (1870 to 2015), owning a home has proved to be one of the most stable and secure holdings compared to other types of investments. While offering the added benefits of providing shelter and leaving it as a legacy, residential property is generally viewed as a financial asset…

What Might Be Next — Inflation or Deflation?

By Chad Centorbi | June 23, 2020 |

Consumer prices fell by 0.8% on a seasonally adjusted basis in April, the biggest drop in more than a dozen years, the Bureau of Labor Statistics reported. Conversely, prices for grocery items jumped 2.6%, the highest one-month increase in 46 years, with eggs rising by 16%.1 What’s going on here? Well, the devil is in…

The Pandemic’s Financial Toll on Women

By Chad Centorbi | June 16, 2020 |

In April alone, the U.S. lost more than 20 million jobs — increasing the unemployment rate to 14.7%. Researchers say one of the demographics hit hardest during the pandemic is women workers. Women tend to hold a disproportionate number of jobs in industries such as hospitality, health care and education. Consequently, the unemployment rate for…

Are the Stock Market and the Economy Out of Sync?

By Chad Centorbi | June 9, 2020 |

In normal times, the stock market is often a reflection of the economy. But these are not normal times. Even though April was marked by a global shutdown of businesses, rampant unemployment and low economic growth, the S&P 500 Index ended the month up 12.9%. This represented the highest one-month gain since 1987 and posted…

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