In our financial planning software, “success” is determined by still having at least $1 in your investment accounts at death. Naturally, most clients want 100% probability of success. We review very few plans with 100% confidence—there are far too many future variables.
While leverage typically amplifies returns on both the upside and downside, return-stacking—if done correctly—provides you the opportunity for increased diversification without reducing your stock exposure—potentially lowering volatility.
We review the best times/strategies to invest in real estate via the following six instruments: 1) BRRRR method (buy properties) 2) Private Real Estate partnerships and REITS (Fundrise, etc.) 3) Delaware Statutory Trust (DST) 4) Publicly-traded REITs 5) REIT Fund (mutual fund or ETF) 6) Interval Fund (hybrid between Private REIT and public REIT fund)
While the past year has seen a steady, heady increase in the stock market and your account values, we know it won’t last forever. There will be another pandemic, another election, another war, another something—anything—that will cause markets to tumble. We want to be properly invested for when that market decline arrives, but we also want to enjoy the ride on the way up.
Within the last few years, SPACs have become numerous and incredibly popular. SPAC stands for Special Purpose Acquisition Company. Huh? Sometimes called “Blank Check Companies”, SPACs are all the rage in 2020 and 2021. But why?
With interest rates at historic lows, there seems to be a pretty simple answer. Yes! …Probably. There as an old rule of thumb that said if you can reduce your interest rate by 1.5%, it is worth refinancing. Loan officers often tell you about the “monthly cash flow savings” from refinancing, calculating that if you’ll save $200/month off your current payment and their fee is $2,400, that you get your “money back” in only 12 months. However, what they sometimes fail to mention is the fact that you’ve often extended the length of your loan to get that cash flow savings. The only savings that really matter is the interest savings you'll reap over the life of the loan.