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We hope you find the articles on our blog informative and helpful. You are always welcome to chat with us if you have any questions about your personal financial situation.

How Much Do You Need To Retire On?

There is no "one size fits all" when it comes to answering the question: "how much money will you need to comfortably retire on"? It is entirely dependent on your retirement goals, desired lifestyle and how flexible you are. 

The most common wisdom that you will find on the internet will tell you that the number is 70% of your pre-retirement income. That number will of course vary depending on your expenses which in turn will depend on where you are living. The good news is that - if you are flexible - there are different retirement options for almost every budget if you are willing to move where the costs can accomodate your income. For example an article in MoneyWise covers 20 different countries where you can retire on a lot less than you may think is possible.

Countries such as Portugal, Uruguay, France, Costa Rica, Portugal, Thailand are covered in the article where yes, appartment rentals can be found ranging from $350 to $750/month. If you have a retirement income of $2500-$3000/month for example, you may find that one of these countries could serve up a workable and enjoyable retirement. 

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The Status of Traditional Safe Havens & How Much Risk Is Right For You?

In a close to zero-interest and low bond yield environment alongside a massive expansion of the money supply (over 4 Trillion dollars to date) what choices do investors have with respect to selection of conservative safe haven assets that can protect from inevitable inflation and posible dilution in the value of the US dollar.

The disincentive for keeping money in the bank or in bonds has never been higher. Inflation will now outpace the (close to zero) yields in savings accounts or bonds. Effectively, your money while safe from losses, is now losing value.

The counter bet to inflation and market uncertaintly is of course Gold which has been on a tear this year, up 60%, surpassing all time highs. Gold has become a "risk-on" asset.

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Wills, Trusts & Retirement - Is Your House In Order?

With so much economic and health risk in the new COVID-19 era, most people in the 50 and over category (especially those with serious pre-existing conditions) are thinking about their retirement plans, income and nest eggs as well as their Will, Trust and legacy to their next of kin.

You may be asking yourself questions such as:

Is my will and trust up to date? Is it optimized and compliant with the latest tax changes and laws?

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The Investors & Retirees Reality - Living With Uncertainty & What to Do About it

"I dont understand why the Market is acting the way it is"? We hear this question all the time. It's a perfectly natural question and if someone gives you an answer, just know that there is at least a 50/50 probability that they are either correct or incorrect. No one, not even the so called experts know with certainty why the market acts the way it does. Yes, we can arrive at rational conclusions some of the time. For example, once the markets figured out that there would not be an easy short-term fix to the coronavirus and that this would have a negative impact on the economy, stocks fell dramatically. After the Federal Reserve and government promised to provide an almost unlimited backstop of financial support to calm the bond and credit markets, the markets shook off the downside and rallied back to what is now, not far off from the old all-time highs.

On the other hand, we are faced with the highest unemployment numbers since the great depression, the additional unemployment benefits are set to run out at the end of July, we are seeing record missed rent and mortgage payments and a coronavirus that is creating havoc to people health and the economy in hot spots all over the USA with no concensus on how to safely re-open the economy. The market has high hopes for a coronavirus vaccine, but what if those hopes are significantly delayed or dashed altogether? How long can the government and the Federal Resever keep funding everything as record defecits shoot even higher? How long can cities, states, schools survive without their staple revenue sources. And what about inflation? How will this impact the dollar, the economy and our every day lives?

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Long Term Value Investing: The Buffet & Benjamin Graham School of Investing

It's rarely in fashion. It can often be boring. It can take time for the markets to value fairly. What is it?  It is the long term value investing methodology used by some of the greatest investors of all times such as Warren Buffet and Benjamin Graham. The basic premesis is to look at the intrinsic value of a company and if it is priced for less than what the market is saying it is worth you have a net price advantage.

If the company - in addition - has steady growth prospects, a strong cash position, a leading brand, is well managed and is expected to return growth and profits of "x" percent a year and pays out a dividend, then a value investor can make a reasonable investment assessment that the company will not only be alive and well, but also worth more than what he will be paying for it, especially if it's instrinsic value is more than what the market is saying it is worth.

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Hawley Advisors
1600 South Main Street, Suite 190
Walnut Creek, CA 94596
Phone: 925-906-9800
Fax: 925-906-9884
info@hawleyadvisors.com

 

 

Hawley Advisors is an investment advisor, registered with the State of California. Any investment ideas or strategies on this website are for the purposes of education and general information only and should not be construed as specific investment advice. For more information about our firm please check the SEC Public Disclosure website: https://www.adviserinfo.sec.gov/

 

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