Late Bloomer Wealth

Late Bloomer Wealth

Dedicated to Helping K12 Teachers with their 403(b) & 457(b) plans.

Month: January 2016

How did a 37% stock/63% bond Portfolio Perform During January’s Crash, Volatility and Rebound?

1 Comment / Beginning Investing, Laymen to Laymen Financial Information, Passive Investment Strategy, Retirement Planning / By

In this post, I share in detail my Morningstar printouts at each of the four weeks in January 2016. You can see first-hand how volatile even my conservative portfolio can get. The news reported, ad nauseum, that the stock market was volatile, wondering if this was a start of a major and long lasting crash. Oil prices sank to ten-year lows, China’s economy stalled and everyone watched what the Federal Reserve was going to do next with interests rates. When oil prices rebounded from $28 per barrel, and Japan’s central bank lowered their interest rates with some folks saying that our Federal Reserve might ease our rate increases from 2 times this year instead of 4, by the end of January all the major stock and bond markets came roaring back. This recovery made a $50,000 loss in mid-January into a $20,000 loss by the end of January.

Four reasons seniors must have a financial conversation, and a PLAN! (First/3 Parts)

2 Comments / Retired Couples / By

Over the years, my late husband Dan and I attended complimentary dinners offered by financial advisers, timeshares sales or travel agents. Everyone should be familiar with these sales experiences. They did not short-shrift on the dinners offered by these sales promotions. The meals were first class. Most of the time we attended a financial presentation, we dined with brand new widows who had no clue about their finances. Their late husbands did all of the financial management and they never told their wives anything. And to be fair to the knowledgeable spouse, some of these unfortunate widows were not interested in learning either. Today’s blog post addresses this lack of communication about finances. It is a story about a retired couple who did not plan far enough ahead to address serious problems while the husband was alive.

2016 Portfolio Plan, Market Crash and Additional Financial Goodies

Leave a Comment / Consumer Finance, Do it yourself investors (DIY), Fiduciary Standard, Financial Education/Literacy, Personal Finance / By

Today’s post is a follow-up to my previous post about my 2015 portfolio return. In the first weeks of 2016 the stock market had its worst beginning of the new year ever. That is a strong and historic statement. Is there anything we should be doing different? As long as you have a low-cost, diversified plan across all major asset classes and that the stock bond split is appropriate for your age and willingness to take risk, there is no reason to change your plan or to capitulate. In fact, it is not good to change your plan to a less risky portfolio while a crash is underway. Check out my portfolio during this current crash.

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