Podcast Episode 1: When To Sell- Beyond Market Timing Vs Buy and Hold

November 17, 2017News No Comments
Podcast: Episode 1 Welcome to the Investment Annuity blog with Victor Schramm, CFS®. Episode 1 covers a topic that is not only evergreen (if the vast amount of "finance" clickbait on the internet is a good indication), it's incredibly relevant as we approach the end of another year without a Bear Market in the U.S.

One Year After the Elections, Where Does the Mexican Peso Stand?

November 10, 2017News No Comments
.uc_plants_header .uc_container_text_box a{ background:#ee1668; } ONE YEAR LATER THE PESO How the Peso has faired against the dollar since the 2016 elections SUBSCRIBE TO OUR NEWSLETTER A Wild Ride for the Peso It shouldn't be hard to imagine why the Mexican Peso was highly sensitive to the outcome of the 2016 US election results. During

Municipal Bond ETF’s Still Have Illinois Bonds

July 1, 2017ETF's, News No Comments
Top Exchange Traded Funds are still Invested in Illinois The largest Exchange Traded Funds (ETF's) in the country are still holding the debt of Illinois. Technically speaking, all 50 states have always had Investment Grade bonds. That is, their bonds are rated at or above Standard & Poor's BBB rating (Moody's Baa rating). ETF's have

The Case for Gold in a Variable Annuity

June 10, 2017Investing No Comments
The Vehicle Gold as an investment is as old as it is controversial. Warren Buffett is not a fan of it. 1 First Eagle Global Value Fund's senior leader Jean Marie Eveillard believes gold "cannot be overvalued." 2 Former Federal Reserve Bank chief Alan Greenspan ruminated even ruminated on gold recently: "Gold is a currency. It is still,

Municipal Bonds Don’t Believe in Trump Tax Reform

June 2, 2017News No Comments
Do Municipal Bonds Believe the Tax Reform Hype? The bond market is a highly opinionated market. The yields and total return of bond markets reflect investors' sentiments on not only today's prevailing interest rates, but all income over the lifetime of a given type and maturity of bond. For example, a 10 year Treasury Bond's

Portland Housing Prices Increase in March

May 30, 2017News, Real Estate 1 Comment
Portland Real Estate Index Increases Again Portland Real Estate had its largest month-over-month increase of 2017 in March. The Portland Case Shiller housing price index jumped 1.03% from February to March, beating the national average rate of increase. This new data from Standard & Poor's is interesting, given local media reports that apartment rental prices

What’s in the Trump Budget Proposal?

May 24, 2017Uncategorized No Comments
What's in the Trump Budget Proposal? On Tuesday, May 23rd, the Trump administration released it's first budget proposal. The Trump budget proposal contains many "deep" cuts, many of which are attracting media and finance sector attention. There are also notable expansions in the budgets of select Agencies and programs, all of which we will detail.

Housing vs REIT’s: Investing in Real Estate

May 23, 2017Investing, Real Estate No Comments
Housing versus REIT's Real Estate is a unique class of investment. For many, Real Estate is both the largest asset and the largest liability in their financial life. We have classic personal finance dichotomies such as "own versus rent" related to Real Estate. Even the sages of the Talmud weighed in on the topic of Real Estate investment, with

Global Economic Growth

May 13, 2017Investing No Comments
Global Economic Growth What predicates strong economic growth? We look at one World Bank study The Global Growth Study In 2008, the World Bank funded a study by Nobel Prize winner Michael Spence to answer questions such as "why have only 13 developing world economies achieved sustained, high growth since World War II?" 1 The 198

Closed-End Funds: An Introduction

May 12, 2017Investing No Comments
Closed-End Funds: An Investment Company The Investment Company Act of 1940 established the framework for today's "funds." Closed-End Funds (CEF's) are one of the four main investment company types commonly operating, the other three being the Mutual Fund, the Exchange Traded Fund (ETF), and the Unit Investment Trust (UIT). Closed-End funds are professionally managed investment companies that