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  3. June 2017

June 2017

Should Millennials Be Your Money Models?

Submitted by Ferguson Financial Inc. on June 26th, 2017

 

Gen Y is doing some things right when it comes to saving & investing. 

 

Financially, Generation Y is often criticized for being risk averse & unaware. Is this truth, or is it fiction? In some instances, pure fiction. Here are some good financial habits common to millennials – habits their parents and grandparents might do well to emulate.

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  • Millennials
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Will You Be Prepared When the Market Cools Off?

Submitted by Ferguson Financial Inc. on June 19th, 2017

 

Markets have cycles, and at some point, the major indices will descend.

 

We have seen a tremendous rally on Wall Street, nearly nine months long, with the S&P 500, Nasdaq Composite, and Dow Jones Industrial Average repeatedly settling at all-time peaks. Investors are delighted by what they have witnessed. Have they become irrationally exuberant?

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  • Market Correction
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What You Need to Know About the Fiduciary Rule

Submitted by Ferguson Financial Inc. on June 15th, 2017

A quick look at the changes coming for retirement accounts.

 

Rules are changing concerning investment professionals and retirement accounts. In the eyes of many, the change is good.

 

The “fiduciary rule” is going into effect in June. This Department of Labor rule stipulates that any financial industry professional who makes investment recommendations to participants in qualified retirement plans in exchange for compensation will be considered a fiduciary.   

 

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  • Fiduciary Rule
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The June Rate Hike

Submitted by Ferguson Financial Inc. on June 15th, 2017

The Federal Reserve takes the key interest rate north by another quarter point.

 

On Wednesday morning, futures markets put the odds at 99.6% of a June interest rate increase by the Federal Reserve. Sure enough, the central bank made a move. It raised the key interest rate by 0.25%, taking the target range for the federal funds rate to the 1.00-1.25% range. The Federal Open Market Committee voted 8-1 to hike the rate, with Minneapolis Fed President Neel Kashkari being the lone dissenter.1,2

 

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  • Rate Hike
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Investing in Your Beliefs

Submitted by Ferguson Financial Inc. on June 14th, 2017

Is your investment strategy as socially and environmentally conscious as you are?

 

It’s not uncommon – Many a well-educated, socially conscious, environmentally friendly investor winds up buying shares of companies whose beliefs and business practices are far removed from their own. Why? Often investors simply haven’t thought about merging their personal beliefs with their investment strategies. Some may not even be aware of where and how their money is invested.

 

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  • Investing in Your Beliefs
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Who Needs Estate Planning?

Submitted by Ferguson Financial Inc. on June 12th, 2017

Why it is so important and not just for the rich.

 

 

You have an estate. It doesn’t matter how limited (or unlimited) your means may be, and it doesn’t matter if you own a mansion or a motor home.

 

Rich or poor, when you die, you leave behind an estate. For some, this can mean real property, cash, an investment portfolio, and more. For others, it could be as straightforward as the $10 bill in their wallet and the clothes on their back. Either way, what you leave behind when you die is your “estate.”

 

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Having the Money Talk With Your Children

Submitted by Ferguson Financial Inc. on June 12th, 2017

 

How much financial knowledge do they have?

 

Some young adults manage to acquire a fair amount of financial literacy. In the classroom or the workplace, they learn a great deal about financial principles. Others lack such knowledge and learn money lessons by paying, to reference William Blake, “the price of experience.”

 

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  • Having the Money Talk With Your Children
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One Couple, Two Different Retirements

Submitted by Ferguson Financial Inc. on June 5th, 2017

 

After many years together, some retired spouses may find their daily routines far apart.

 

When you see online ads or TV commercials about retirement planning, do they ever show baby boomer couples arguing? No. After all, retirement planning is about the pursuit of a happy outcome – a fun and emotionally rewarding “second act” that spouses and partners can share.

 

Realizing that goal takes communication. As you approach retirement, you may not be who you were at 30 or 50. You and your significant other may want different daily lives once you retire. This is a frequently ignored reality in retirement planning. In preparing to retire, you might want to consider your individual preferences and differences when it comes to these factors:

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  • Retirement
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