News or Noise

Commercial Bank and Federal Reserve Balance Sheet Destruction and Losses...and What To Do About It

In this episode of "News or Noise" with Chris Perras, Chief Investment Officer at Oak Harvest Financial Group, we revisit a critical topic that has been shaping the financial landscape over the past year: the Federal Reserve's Balance Sheet and its ongoing operating losses. If you're an investor, this is information you can't afford to miss.
Exactly one year ago, we delved into this issue, expressing concerns about the Federal Reserve's balance sheet and the potential consequences of rising interest rates in 2022. Little did we know that the financial landscape would continue to evolve with events like the Silicon Valley Bank implosion, regional bank runs, and an additional $2 trillion deficit in 2023.
In this episode, we discuss the Federal Reserve's balance sheet, its continuing operating losses, and unrealized mark-to-market losses, which have likely surpassed $1 trillion and are still mounting. These developments will have a profound impact on your investments, shaping decisions made by both the Federal Reserve and the Treasury in the coming quarters, years, and even decades.
Don't miss out on this vital information that can impact your financial future. Watch the full video, and be sure to read Avi Gilbert's analysis for a comprehensive understanding of the Federal Reserve's balance sheet woes.
Link to Avi Gilbert's Analysis: https://seekingalpha.com/article/4647174-the-fed-lost-113-billion-and-is-underwater-by-70-billion
Link to my video from a year ago about this issue: https://youtu.be/4EVGMniJQDk
 
#RetirementInvesting #FederalReserve #EconomicsExplained
 
Stock Talk is a weekly vlog/podcast dedicated to discussing the Oak Harvest Financial Group Investment Team's perspective on what's happening in the market. Hosted by Chief Investment Officer Chris Perras, each episode brings you our views on stocks, the market, and the economy — with a little education thrown in for good measure. Listen each week and help stay connected to your money!
Do you need a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at 877-896-0040 or fill out this form for a free consultation: https://click2retire.com/Connect
About Chris Perras, CFA®, CLU®, ChFC®, Chief Investment Officer As CIO, Chris is the lead investment strategist and director of research at Oak Harvest Financial Group. Chris develops the firm's core market outlook, putting his decades of experience and expertise to work for our clients. He hosts Oak Harvest's podcast, "Stock Talk," available on the website with new episodes each week. He completed his undergraduate studies at Georgia Tech, and went on to obtain an MBA from the Harvard Business School. Driven by a desire to maximize his knowledge and skill set, he acquired a plethora of financial planning and investment management qualifications, becoming a Chartered Life Underwriter (CLU®), a Chartered Financial Consultant (ChFC®), and a Chartered Financial Analyst (CFA®).
Important disclosures: Content of Oak Harvest podcasts expresses the views of the speaker and is for informational purposes only. Oak Harvest believes that any data, articles, or information cited are reliable at the time of creation, but does not warrant any information contained herein to be correct, complete, accurate, or timely. The views and opinions expressed herein may change without notice. Strategies and ideas discussed may not be right for you — and nothing in this podcast constitutes personalized investment, tax or legal advice, or an offer or solicitation to buy or sell securities. Indexes such as the S&P 500 are not available for direct investment and your investment results may differ when compared to an index. Any specific portfolio actions or strategies discussed will not apply to all client portfolios. Investing involves the risk of loss, and past performance is not indicative of future results.

Bidenomics vs. Reaganomics | Do Their Policies Affect Your Retirement?

Dive into the world of "Bidenomics" in this thought-provoking YouTube video! Explore whether it's groundbreaking news or just political noise as we dissect President Biden's economic policies. With the 2024 election on the horizon, we analyze the strategies behind "Bidenomics" and its impact on the economy. Discover the contrasts between Bidenomics and Reaganomics, exploring their divergent approaches to tax policies, government intervention, and market regulation. Join us to unravel the complexities, understand the investment implications, and uncover if "Bidenomics" is worthy news for your retirement. Get insights beyond the chatter – it's time to separate news from the noise.
 
#newornoise #stockmarketnews #retirementlife 
Do you need a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at 877-896-0040 or fill out this form for a free consultation: https://click2retire.com/Connect
 
About Chris Perras, CFA®, CLU®, ChFC®, Chief Investment Officer As CIO, Chris is the lead investment strategist and director of research at Oak Harvest Financial Group. Chris develops the firm's core market outlook, putting his decades of experience and expertise to work for our clients. He hosts Oak Harvest's podcast, "Stock Talk," available on the website with new episodes each week. He completed his undergraduate studies at Georgia Tech, and went on to obtain an MBA from the Harvard Business School. Driven by a desire to maximize his knowledge and skill set, he acquired a plethora of financial planning and investment management qualifications, becoming a Chartered Life Underwriter (CLU®), a Chartered Financial Consultant (ChFC®), and a Chartered Financial Analyst (CFA®).
 
Important disclosures: Content of Oak Harvest podcasts expresses the views of the speaker and is for informational purposes only. Oak Harvest believes that any data, articles, or information cited are reliable at the time of creation, but does not warrant any information contained herein to be correct, complete, accurate, or timely. The views and opinions expressed herein may change without notice. Strategies and ideas discussed may not be right for you — and nothing in this podcast constitutes personalized investment, tax or legal advice, or an offer or solicitation to buy or sell securities. Indexes such as the S&P 500 are not available for direct investment and your investment results may differ when compared to an index. Any specific portfolio actions or strategies discussed will not apply to all client portfolios. Investing involves the risk of loss, and past performance is not indicative of future results.

Investors Beware: Don’t Let ”BIG” Government Data Distract You from Your Goals

Many investors who follow the markets love to discuss economic theory and the virtually nonstop government data releases. I'm here to tell you you're wasting your time. The vast majority of these topics, discussions, and data, while intellectually interesting, will not improve your investment returns. 99. %+ of the data that is released is a complete waste of your time and energy. It's noise.
 
Do you need a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at 877-896-0040 or fill out this form for a free consultation: https://click2retire.com/Connect
 
About Chris Perras, CFA®, CLU®, ChFC®, Chief Investment Officer As CIO, Chris is the lead investment strategist and director of research at Oak Harvest Financial Group. Chris develops the firm's core market outlook, putting his decades of experience and expertise to work for our clients. He hosts Oak Harvest's podcast, "Stock Talk," available on the website with new episodes each week. He completed his undergraduate studies at Georgia Tech, and went on to obtain an MBA from the Harvard Business School. Driven by a desire to maximize his knowledge and skill set, he acquired a plethora of financial planning and investment management qualifications, becoming a Chartered Life Underwriter (CLU®), a Chartered Financial Consultant (ChFC®), and a Chartered Financial Analyst (CFA®).
 
Important disclosures: Content of Oak Harvest podcasts expresses the views of the speaker and is for informational purposes only. Oak Harvest believes that any data, articles, or information cited are reliable at the time of creation, but does not warrant any information contained herein to be correct, complete, accurate, or timely. The views and opinions expressed herein may change without notice. Strategies and ideas discussed may not be right for you — and nothing in this podcast constitutes personalized investment, tax or legal advice, or an offer or solicitation to buy or sell securities. Indexes such as the S&P 500 are not available for direct investment and your investment results may differ when compared to an index. Any specific portfolio actions or strategies discussed will not apply to all client portfolios. Investing involves the risk of loss, and past performance is not indicative of future results.

Inflation Tracking Lower is News for Your Investments

In 2022, near the height of the network news swirl on inflation fears, the OHFG investment team put out a piece of research trying to dispel the notion that inflation would remain at 7-8% for very long. That history said that the odds were high that inflation would peak and drop quickly, albeit not to 2%.
Front page stories about inflation are news for your investments, for you and your family because it does drive investor sentiment and Fed actions. With that said, these stories about inflation, overall, are improving and should be helpful, not hurtful to your portfolios.
Stock Talk is a weekly vlog/podcast dedicated to discussing the Oak Harvest Financial Group Investment Team's perspective on what's happening in the market. Hosted by Chief Investment Officer Chris Perras, each episode brings you our views on stocks, the market, and the economy — with a little education thrown in for good measure. Listen each week and help stay connected to your money!
New or Noise is a vlog/podcast that looks at current topics and helps you decide if they are newsworthy for your investments. Should you be concerned? Or, should you tune out the noise and not worry? These are going to be quick, casual, opinion pieces, and while we will use data to support our view, we will most likely be wrong in our interpretations, at least some of the time. However, we are looking to practice what we preach, and to help investors to rationally and critically analyze emotion-laden stories.
Do you need a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at 877-896-0040 or fill out this form for a free consultation: https://click2retire.com/Connect
About Chris Perras, CFA®, CLU®, ChFC®, Chief Investment Officer
As CIO, Chris is the lead investment strategist and director of research at Oak Harvest Financial Group. Chris develops the firm's core market outlook, putting his decades of experience and expertise to work for our clients. He hosts Oak Harvest's podcast, "Stock Talk," available on the website with new episodes each week.
He completed his undergraduate studies at Georgia Tech, and went on to obtain an MBA from the Harvard Business School. Driven by a desire to maximize his knowledge and skill set, he acquired a plethora of financial planning and investment management qualifications, becoming a Chartered Life Underwriter (CLU®), a Chartered Financial Consultant (ChFC®), and a Chartered Financial Analyst (CFA®).
Important disclosures:
Content of Oak Harvest podcasts expresses the views of the speaker and is for informational purposes only. Oak Harvest believes that any data, articles, or information cited are reliable at the time of creation, but does not warrant any information contained herein to be correct, complete, accurate, or timely. The views and opinions expressed herein may change without notice. Strategies and ideas discussed may not be right for you — and nothing in this podcast constitutes personalized investment, tax or legal advice, or an offer or solicitation to buy or sell securities. Indexes such as the S&P 500 are not available for direct investment and your investment results may differ when compared to an index. Any specific portfolio actions or strategies discussed will not apply to all client portfolios. Investing involves the risk of loss, and past performance is not indicative of future results.

February Made me Shiver!

After having the best month in stocks since 2020 in January, which triggered a "golden cross" on the S&P500 on February 2nd, the rest of February saw a broad-based decline across equity and bond markets. The market's pullback started pre-open on Friday, February 3rd, with a BLS jobs report far better than any economic bull could have imagined. Based on market seasonals, it shouldn't come as a big surprise that equities struggled in February after a strong January. 
 
Do you need a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 @or fill out this form for a free consultation: https://click2retire.com/Connect

Politically Incorrect Investing

Over the last three months, most of our country's largest and best-known technology companies have announced layoffs. Most management teams cite fears of a recession in 2023 as the reason for these cutbacks. Clearly, job cuts are bad for employees and workers who lose their jobs. I've been in that group a couple of times in my career. It is horribly anxiety-provoking, and I wish it on no one. However, are announced job cuts sometimes good news for investors? Click here for more! 
Do you need a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 @or fill out this form for a free consultation: https://click2retire.com/Connect

Technology Industry Layoffs

Over the last 3 months, most of our country's largest and best-known technology companies have announced layoffs. Most of the management teams are citing fears of a recession in 2023 as the reason for these cutbacks. Clearly, job cuts are bad for employees and workers who lose their jobs. I’ve been in that group a couple of times in my career. It is horribly anxiety provoking and I wish it on no one. However, are announced job cuts sometimes good news for investors? Click here for more info: 
Do you need a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 @or fill out this form for a free consultation: https://click2retire.com/Connect

Does the Jobs Report Affect Your Investments in Retirement? | News or Noise

On Friday morning, BLS Payroll Data was released, and December's jobs were better than most economists had expected. Bloomberg TV said, "the US labor market stayed resilient last month, while wage gains cooled, raising hopes that the economy may dodge a recession and the Federal Reserve will further slow its aggressive campaign of interest-rate hikes." Click here for more details!
Do you need a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 @or fill out this form for a free consultation: https://click2retire.com/taxbracketsa...

Chinese Disarray Over COVID Shaking Financial Markets... And Your Retirement Plan?

China is cracking down on COVID with severe prejudice, and the markets are reacting accordingly. Does this affect your portfolio? What are the long and short-term implications for the everyday investor? Click here for more!
Does this news affect your investments? Is it news that you can use to decide when and how to invest? Is this topic Newsworthy, and should you be paying attention?
So with that said… News or Noise?
Do you need a Retirement Success Plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 @or fill out this form for a free consultation: https://click2retire.com/chinesedisarrayfinancemarkets

Interest Rates: The Feds last 75 basis point increase? Astros Win the World Series!

In a much-anticipated move, the Federal Reserve, the central bank of the US, raised short-term borrowing rates to a target range of 3.75-4%. While this was expected, interest rate moves are always news for your money. Click here for more!
Fed moves are almost always news for you, your family, and your money. As it has been all year, markets were once again whipsawed on the day of the Fed's interest rate increase.
Does this news affect your investments? Is it news that you can use to decide when and how to invest? Is this topic Newsworthy, and should you be paying attention?
Do you need a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation: https://click2retire.com/interestrates75bpsincrease