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When it comes to managing your retirement, a small mistake can cause a major loss of capital. That is why it's important to speak with a financial advisor who is familiar with your Company's benefits. Schedule a call today..  
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Despite Concerns, Retirement Confidence Remains Steady

Jun 7, 2022 11:16:57 AM
written by The Retirement Group

Nearly three quarters of workers and 77% of retirees in a recent survey said they remain at least somewhat confident that they will experience a comfortable retirement, according to the Employee Benefit Research Institute. Nevertheless, a third of workers and a quarter of retirees felt less confident this year due to the economic effects of the COVID-19 pandemic, with many respondents citing inflation as the reason.

Not surprisingly, those feeling less confident were also more likely to report poor health, lower income and saving rates, and higher debt. Women were much more likely than men to report lower confidence levels.

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posted in Retirement, Economy

3 Reasons Why Interest Rates Are On The Rise

Jun 3, 2022 2:45:00 PM
written by The Retirement Group

Interest rates are a key driver of most financial assets. While most often referenced in relation to the bond market, rates are also a key input in traditional equity valuation models, which incorporate market interest rates to determine the appropriate rate to discount future cash flows. Interest rates are an essential element in bond pricing and the yield that investors require to own a particular fixed income security. Since hitting an all-time low in 2020, interest rates increased in 2021 and have continued that climb higher thus far in 2022. This has put pressure on fixed income and certain areas of the equity market, which has led to stress in certain areas of the stock market, such as growth stocks, which can be sensitive to interest rate shocks. With that in mind, let’s examine why rates have been moving up, and whether this should be a cause for concern.

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posted in Interest rates, Inflation, Economy

Don't Panic: A Bull Case for Equities

Jun 3, 2022 8:46:00 AM
written by The Retirement Group


Both stocks and bonds are off to one of their worst starts to the year in history. The S&P 500 Index declined -12.92% through the end of April 2022, and other broad market indices were similarly down double digits.1

What’s worse, investors, like those living in Texas or New York, are losing nearly as much on the fixed income side of their portfolios as they are on the equity side. The Bloomberg U.S. Aggregate bond index, a broad measure of domestic fixed income, suffered its largest quarterly loss (-5.93%) since 1980 to start the year2 and is down -9.50% through the end of April. The current environment has left investors feeling like there is nowhere to hide, and even prompted some to exit markets or go to cash.

Such a rash response could lead investors to miss out on an eventual rebound in since historical equity performance post-corrections, as well as strong underlying economic fundamentals, suggest a bounce back in stocks will occur sooner rather than later. If you are unsure about your specific situation, feel free to speak to one of our retirement-focused advisors today!

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posted in Stock Market, Market Volatility, Inflation, Economy

Eggs in One Basket

Jun 2, 2022 11:15:00 AM
written by The Retirement Group

“Don’t put all your eggs in one basket”.

You’ve likely been seeing headlines about the recent volatility in the market. While historically this is nothing new, it can be difficult to watch your account values fluctuate.

As investors, we find that maintaining a long-term perspective helps keep us grounded. We know that the market goes up more often than it goes down and that short-term fluctuations in price indicate a healthy market of buyers and sellers.

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posted in Risk, Inflation, Economy

A Note On Inflation

Jun 1, 2022 4:18:00 PM
written by The Retirement Group

As the economy continues to recover from the effects of the pandemic over the past year, you may have noticed the term ‘inflation’ coming up in the news. But don’t let it scare you! The fact is, some inflation is good because it means the economy is bouncing back.

“Bouncing back” is exactly what it sounds like; stock and bond prices may show some volatility in the short term, as the market and the economy adjust to find a new equilibrium. That’s why, like always, it’s best to stay focused on your long-term financial goals rather than worry over any short-term noise.

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posted in Interest rates, Inflation, Economy

A Note On The Yield Curve

May 31, 2022 12:43:00 PM
written by The Retirement Group

Recently, you may have seen some headlines talking about an "inverted yield curve" and what it may mean for the economy. An inverted yield curve is just one indicator of the economy's possible direction, so let's put these headlines into context.

First, what is the yield curve, and what does it show? The yield curve is a graphical representation of interest rates (yields) paid out by US Treasury bonds. A normal yield curve shows increasingly higher yields for longer-dated bonds, creating an upward swing. An inverted curve has a downward slope, indicating that shorter-dated bonds yield more than longer-dated bonds, which isn't typical.

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posted in Inflation, Economy, Yield Curve

Take Emotion Out of the Market

May 31, 2022 9:00:00 AM
written by The Retirement Group

The stock market isn’t known for its emotional stability. When the markets react emotionally, it’s imperative to think rationally. Although no one can predict the future, panicked selling during a downturn is often the worst thing you can do.

Prevention is the best medicine for our health – washing our hands, not touching our face in public, getting enough rest, eating healthy and avoiding contact with individuals who are ill or have been exposed to someone ill. Similarly, planning for potential volatility before you experience it is vital.

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posted in Emotions, Inflation, Economy

A Note Regarding Recent Performance

May 30, 2022 1:02:00 PM
written by The Retirement Group

We know the market has experienced some volatility lately, which may provoke some anxiety when you open your most recent statement. It can be hard to stomach seeing some red in your account! But don’t be alarmed – changes in value are typical and expected when investing in the market.

As investors, we find that maintaining a long-term perspective helps keep us grounded. We know that the market goes up more often than it goes down and that short-term fluctuations in price indicate a healthy market of buyers and sellers. It can feel counterintuitive, but the current environment may be a buying opportunity! In fact, there’s Nobel Prize-winning research into the effect that losses have on our behavior. We encourage you to take a moment to review the linked article! If you still feel uncertain about your specific situation, feel free to give us a call and one of our retirement-focused advisors in your area can speak with you.

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posted in Market Volatility, Inflation, Economy, Performance

High Inflation: How Long Will It Last?

May 12, 2022 3:34:03 PM
written by The Retirement Group

In March 2022, the Consumer Price Index for All Urban Consumers (CPI-U), the most common measure of inflation, rose at an annual rate of 8.5%, the highest level since December 1981.1 It's not surprising that a Gallup poll at the end of March found that one out of six Americans considers inflation to be the most important problem facing the United States.2

When inflation began rising in the spring of 2021, many economists, including policymakers at the Federal Reserve, believed the increase would be transitory and subside over a period of months. One year later, inflation has proven to be more stubborn than expected. It may be helpful to look at some of the forces behind rising prices, the Fed's plan to combat them, and early signs that inflation may be easing.

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posted in Global, Inflation, Economy

Is the Russia-Ukraine War a Threat to the Global Economy?

Apr 11, 2022 10:57:34 AM
written by The Retirement Group

Before Russia stunned the world by invading Ukraine, it was widely believed that the economic ties formed through globalization would help promote peace. But the war is testing that assumption and drawing attention to the vulnerabilities in far-flung supply chains, which were already under pressure because of the pandemic and recovery.

In response to the brutal invasion of Ukraine, the United States, European Union (EU), United Kingdom (UK), and their allies are using financial sanctions to inflict severe damage on Russia's economy and pressure its leaders to end the war. But that effort likely comes at a significant cost to the global economy.

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posted in Global, Economy

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