News or Noise

Housing Values are Dropping - Bad News is Good News | News or Noise

New home sales were released for the month of September last week, and in one word they were, abysmal. According to the HUD and the Census Bureau, sales of newly constructed homes dropped 10.9% and were down 17.6% from a year ago. Existing home sales were even worse, dropping -24%. This was the eighth straight monthly decline this year, making it the longest decline since 2007. The number of new home listings fell by 22%. Click here for more!
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IRS Income Tax Brackets AND Standard Deductions Increased for 2023 | News or Noise

Relevant retirement news? Similar to the income planning-related news released two weeks ago on Social Security benefits for 2023, because of the highest inflation rates in years, last week, the IRS announced higher federal income tax brackets and standard deductions for 2023.
Because of higher inflation in 2022, the IRS has boosted the income thresholds of each tax bracket for next year, applying to tax the year 2023 for returns filed in 2024. The standard deduction will increase to $27,700 for married couples filing jointly and $13,850 for single taxpayers. Click here for more!
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Bond Portfolios Down Year to Date | Stock Talk Podcast

Do you have losses in your bond holdings? Bond markets have declined in unison with stocks year to date primarily for one reason. The Federal Reserve has moved with historically large and fast interest rate hikes. They’ve done it at one of the fastest paces in 100 years. This after being overly easy from a monetary standpoint for years. I’ll say it. The Fed’s moves in 2022 have been unprecedented for the last 50 years. Only Alan Greenspan in 1994 comes close when he doubled rates in 12 months. See it for yourself: Given Septembers CPI, these increases should continue in November and December. Ugh.
 
We’ve talked about bonds and fixed income a couple of times over the last few years. Only 18 months ago, many investors we spoke with were worried that their fixed-income portfolios were yielding so little. We saw many prospective clients searching for higher yields in their portfolios, wanting to buy more risky credits or lengthening their maturities in an attempt to gain another quarter percent to 1% in yield. Once again, stretching for income yield in the public markets has turned out to be a very bad strategy. Click Here for More!
 
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Retirement: Social Security Beneficiaries Will Get a Raise in 2023 to Keep Up with Inflation

Retirement Planning: Social Security Benefits will Increase in 2023. Watch the video to know by how much. Most likely have noticed the price of basic goods and services such as food, energy, and housing has been consistently rising in 2022. COLA, short for Cost-of-Living Adjustment, social security beneficiaries will be receiving a generous increase in their benefits next year in 2023. Click here for more!
COLA is short for Cost of Living Adjustment. Social Security beneficiaries will get an increase of 8.7% to their benefits next year, for 2023. Folks, that's the highest increase in 40 years, and that's on top of the 2022 increase of 5.9%
If you have $500K or more and would like a partnership with a firm to help you manage your investments and financial plan as in these videos, click on this link to connect with our advisors: https://click2retire.com/COLAraise2023PB

Midterm Election Seasonality - YES! It’s been a Real Thing | News or Noise

2022 has been a bad nine months for investors in stocks and bonds globally. While our team had expected our first market correction since the Covid bottom, Investors suffered the first broad bear market in years. Stocks roundtripped two years of gains through the end of the third quarter, which while common during Fed rate increases, is not enjoyable. Click here for more!
What's the culprit? Treasury bond interest rates increasing at the fastest pace in decades during a normally weaker mid-term election year, amid slowing growth. These things have combined to crunched risk assets. In the last four weeks, the Federal reserve interest rate increase path has been so fast that it's stressing and breaking esoteric parts of the financial markets.
Much as Alan Greenspan's doubling of interest rates caused the Mexican currency crisis in late 1994, Chairman Powell's race higher is causing stress in other countries and other assets beyond our shores, most notably in Britain, amongst U.K. pension funds and the British currency, the Pound.
That deserves a Charlie Brown. Ugh.
 
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?
 
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Higher Interest Rates “Pound” Financial Markets | News or Noise

2022 has been a bad nine months for investors in stocks and bonds globally. Stocks have now almost roundtripped two years of gains, which while common, is not enjoyable. What's the culprit? Treasury bond interest rates increasing at the fastest pace in decades. Take a look at the Change in Fed Funds Rate chart on how fast the Fed is raising rates vs prior cycles. Over the last 40 years, only Greenspan in 1994 comes close. Click here for more!
Last week, the Bank of England launched a historic intervention to stabilize the U.K. economy, announcing a two-week purchase program for bonds and delaying its planned currency sales until the end of October.
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?
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With Interest Rates - Speed Kills | News or Noise

2022 has been a mess for long-term investors globally. Few asset classes have positive returns, and if they do, they have huge volatility. What’s the culprit? Treasury bond interest rates increasing at the fastest pace in decades. Here’s a chart on how fast the Fed is raising rates vs. prior cycles. Over the last 40 years, only Greenspan in 1994 comes close. Click here for more information!
It tends to be the speed you drive, not the path you take, that causes car wrecks on the way to your final destination.
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?
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Are Annuities Really That Boring and Bad | News or Noise

Are annuities really that bad and boring? 2022 has been a mess across virtually every asset class globally. Few asset classes have positive returns, and most of those that do, like energy and a few commodities, have had huge year-to-date volatility. Two asset classes that have not experienced high year-to-date volatility are Fixed Annuities (FA's) and Fixed Indexed Annuities (FIAs) issued and guaranteed by insurance companies. Click here for more information!
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?
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VOLATILITY...It’s a Balancing Act | News or Noise with Chris Perras

2022 has been a mess across virtually every asset class globally.  Except for a few industries like domestic utilities, and a few energy-related commodities like natural gas or lithium, asset class returns have been negative year to date and highly volatile at the same time.  Music to the ears of short-term traders, but the worst of both worlds to most longer-term investors. Click here to learn more.
Year to date, there is almost no asset class I can find that has escaped a year of high volatility and negative returns.  A few that have are the dollar currency and domestic utilities, and energy-related equities and their commodities.  Unfortunately, neither of these categories make up a large portion of the indexes here in the states, so every broad index I track here in the states is down year to date.  The charts in this episode are sourced from Bloomberg.
 
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Big Government - Regulating Semiconductor Sales | News or Noise?

Retirement planning alert last Thursday on September 1st, In a filing with the SEC, semiconductor maker Nvidia disclosed that the U.S. government told the company on Aug. 26, about a new license requirement for future exports to China. This includes exports to and from Hong Kong. The rule's rationale was to reduce the risk that their products may be used by the Chinese military. Click here for more.
This week we cover the Biden administration's move telling Nvidia to stop selling its most advanced chips to China and Russia. This is news for Nvidia and most other semiconductor names.
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?
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