Home / Archive by category "Uncategorized"

Uncategorized

Is a Bear Market Coming for Stocks?

Posted on by WCFSnet
Markets Historically Do Correct. WILL THE MARKET SELL OFF?  It’s not a matter of if, rather when will a market sell off occur. Historically, markets do sell off and it typically takes many years to recover..the market took over 25 years to recover from the Great Depression! Note, when you lose 50% of your investment, you need to recover 100% to break even. The chart below highlights ...
Read More

Bear Market Protection Pt. 1

Posted on by WCFSnet
There are ways to protect your investment portfolio against a bear market and its a must go beyond the traditional "BUY AND HOLD" strategies. Remember, a bear market is when a market (e.g., S&P 500) experiences prolonged price declines, price typically fall 20% or more from recent highs amid widespread pessimism and negative investor sentiment. A bear market may also accompany gen...
Read More

10 Reasons to Convert to a Roth IRA

Posted on by WCFSnet
The Roth IRA For Many Is A Staple to Effective Retirement Planning… 1. Taxpapers that have favorable tax features, such as a high basis ratio, charitable deduction carry-forwards, investment tax credit, etc. This is because these attributed reduce the effective tax rate of the conversion. 2. Suspension of the minimum distribution rules at age 72 provides a substantial advantage to the R...
Read More

How Much of Your Retirement Savings Can You Afford to Lose?

Posted on by WCFSnet
Of course when most people answer this question they will usually say,“I can’t afford to lose any of it!” So, with a retirement portfolio that has exposure to the stock market in the form of individual stocks or stock mutual funds, let’s first define a loss.  The easiest way would be when you receive your next month’s statement and you see that your por...
Read More

Order of Returns Risks Within an Income Portfolio

Posted on by WCFSnet
One of the elements that greatly magnifies the withdrawal risk is the Order of Returns Principle. When your portfolio has losing years it can affect its ability to last through life expectancy more than anything else. The graphs below illustrate this. What’s interesting to note about this graph is that both portfolios earned 8.03% and both Ron and Barb withdrew the same percentage for inco...
Read More

E-Book: Tax Strategies

Posted on by WCFSnet
Tax Strategies for Retirement Buckets Create Tax Choices Retirees can be affected by a variety of taxes — state income taxes, estate taxes and Social Security taxes, to name a few. But the most common tax — the one that all retirees will deal with — is the federal income tax. For this reason, we’ll focus primarily on the federal income tax and its effect on individuals planning for reti...
Read More

E-Book: Social Security

Posted on by WCFSnet
WHAT, when, who, HOW? The Social Security Decisions The biggest story in Social Security today concerns the large number of baby boomers set to retire over the next 15 years and the relatively smaller younger generations feeding Social Security payroll taxes into the system. Adding additional stress to the system is the reality that, on average, today’s seniors are living longer than ...
Read More

The Math of Gains and Losses

Posted on by WCFSnet
Here’s an interesting part of investing that most investors get wrong. In fact, if most investors understood this they probably would fire their broker. It has to do with how much it takes in percentage terms for a portfolio to recoup losses after a market correction. So let’s look at this.  If you claim to be a conservative investor, and can handle a 10% loss, then I would agree...
Read More

Disclosure

Posted on by WCFSnet
West Coast Capital Management is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where West Coast Capital Management and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of princ...
Read More

E-Book: Retirement Income

Posted on by WCFSnet
Here at West Coast Financial Services, we serve clients from all walks of life, and we pride ourselves in expert financial guidance that you can trust. We strongly believe that the more informed you are, the more opportunities you have to thrive in and leading-to Retirement. Our e-books are freely available (client or not) to anyone looking to understand the financial landscape more thorough...
Read More
Top