For centuries investors have invested in gold in pursuit of various purposes depending on individual financial goals and market conditions. Traditionally thought of as a safe-haven asset, owning gold on occasion has produced attractive returns. The price of gold has risen by about 13% in the first four months of 2024 and by over 80% in the past five years.
Read MoreThe volatility experienced in 2022 has some investors sitting on the edge of their seats. While the is S&P500 down 14% YTD, it may be even more alarming that we have seen already 2 major drawdowns of >10% in just the first 4 months. Anytime investors experience volatility like this, there is a natural urge to consider a strategy change. Should I go to cash? Should I re think my allocations? These are natural strategy questions because, as humans, we can’t help but combat the urge to “do something.”
Read MoreFintech is the abbreviation of “financial technology” and likely plays a bigger part in your current day-to-day life than you may even know. A company is said to be involved in fintech if it dedicates a significant portion of its operations to developing or offering products that are particularly innovative in the way our current financial system works. As such, these companies have the distinct opportunity to massively disrupt current financial operations and completely change the way these functions are conducted through their technology.
Read MoreMarket displacements over the past 4 months have led to a massive boom in American trading activity. The extreme volatility, unusual amount of free time due to working from home, and availability of trading apps has led to more Americans day trading than ever before. According to popular mobile trading app Robinhood, they have added more than 3 million users year to date. More than half of these users are millennial’s who are opening an investment account for the first time. Everything considered, I think this is great for the world of finance that younger investors are getting involved. However, I think there are some important precautions I would like to raise to this generation of traders.
Read MoreWe have began to receive calls from clients wanting to know how their portfolios are positioned for the ongoing Coronavirus outbreak. It’s a fair question, anytime there are headlines making waves like this has it is an important pause point to make sure all your bases are covered.
Read MoreOk wait what..? I know I know allow me to explain what I mean by this ridiculous sounding sentence.
“Don’t let the tax tail wag the investment dog” is a phrase I heard repeated across our trading floor from one of our Senior Partners during my first years in portfolio management. I was understandably confused by this insane sentence, but I did not want to be “that guy” and ask. What I went on to learn was that he meant that we could not allow tax consequences to dictate our portfolio management strategy. Managing a portfolio in a tax efficient matter was critical, however there would be moments when a portfolio would need to be rebalanced and that sale would trigger capital gains taxes. In essence he acknowledged that paying taxes was of course never fun, but that we could not allow that to intrude into our portfolio management.
Read MoreInvestors seeking dividend yield have conventionally employed traditional fixed income investments for this portion of their portfolio. In today’s low interest rate environment, filling this part of the portfolio has become more and more difficult. Given the inverse relationship that bonds have with interest rates, a rising rate environment is suboptimal for conventional fixed income. This has lead investors to seek out other types of arrangements to generate cash flow.
Read MoreSustainable, responsible and impact investing involve investment disciplines that consider environmental, social and corporate governance (ESG) criteria to generate long-term competitive financial returns and positive societal impact.
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James f. chapman, awma
James F. Chapman AWMA®, is a Wealth Advisor and the Chief Innovation Officer of Clearwater Capital Partners. James joined the firm in 2010 and completed a series of summer intern assignments. Later, he transitioned to a full- time client facing Wealth Advisor in the Clearwater Residency Program.
Today, as Wealth Advisor, James works directly with successful individuals and families. His clients include business owners, medical professionals, entrepreneurs, and charitable foundations. His areas of expertise include lifetime income modeling, integrated portfolio management, and comprehensive financial planning. James works alongside the firm’s Senior Partners on advanced Family Office cases, providing tailored advice to multiple generations of the firm’s client families.
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Investment Advice Offered Through Clearwater Capital Partners, A Registered Investment Advisor
