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https://preservewm.com
We've been keeping up with the latest headlines...
here are two of our favorites worth sharing.
** Your Money
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With interest rates at historic lows today, why invest in high-quality bonds at all? The honest answer is it depends...and maybe you shouldn't.
There are two main reasons to invest in bonds:
1. to generate portfolio income
2. to hedge against stock market losses
In both cases, there may be alternatives to high-quality bonds. Each alternative has its own risks and trade-offs. This underscores the importance of working with someone who knows which, if any, alternatives are appropriate for you.
Sample income-generating alternatives include lower-quality bonds, dividend-paying stocks, non-traditional assets, and real estate. Another way to hedge stock investing is to hold cash. A strategic cash position will drag on portfolio returns in good times and buffer portfolios in down markets.
Beyond the paltry return of cash savings accounts, Morgan Housel, author of The Psychology of Money, states emergency funds [and safe investments] have an immeasurable benefit. Investors don't have to sell into a down market or borrow at high-interest rates to meet a cash pinch.
At PRESERVE Wealth Management, we plan for three years of client cash flow first. That's our Living Vault (0-3yrs). High-quality bonds and cash play a big role here. Then, we manage risk around that with the rest of the portfolio. That's our Living Vault (4yrs+). High-quality bonds may not even play a role here. Beyond those "living" needs, some clients fund a Giving Vault, which is money set aside to benefit others.
Why invest in bonds? (https://jonluskin.com/why-invest-in-bonds/)
by Jon Luskin
** Your Life
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It's a new year. Before you give up wine and cheese, I have good news…sort of. One study shows that cheese & red wine may actually boost your brain health. The article does caution that it is only ONE study, and another study contradicts the findings. In the end, everything in moderation is the way to go.
For tonight, I’m going with the study I like.
Study says cheese and red wine could boost brain health (https://www.yahoo.com/lifestyle/study-cheese-red-wine-could-boost-brain-health-212807768.html)
by Korin Miller
https://www.linkedin.com/in/danheth/
https://www.linkedin.com/in/rosalynn-harvey-heth-mpa-ceps-3a3aa3191/
** Complexity Simplified
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The home renovation trend continues. For those not looking to do anything major, here’s some life hacks for you to try in your own home—no contractor needed.
27 easy life hacks for your home (https://www.youtube.com/watch?v=9R-Ll6odFw8)
by 5-Minute Crafts GIRLY
** Trivia
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A: Arizona and Hawaii
Q: What is the loudest animal on Earth?
https://www.youtube.com/watch?v=4SbSk0mXSvE
** Back in 1957, this song reached #1
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