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What To Do When Retirement Is a Decade Away

Submitted by Total Clarity Wealth Management, Inc. on April 6th, 2021

What To Do When Retirement Is a Decade Away

 

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How much do I need to retire comfortably?

Submitted by Total Clarity Wealth Management, Inc. on March 2nd, 2021

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THE BULL CASE FOR STOCKS

Submitted by Total Clarity Wealth Management, Inc. on September 17th, 2020

 

                 

September 14, 2020

THE BULL CASE FOR STOCKS

Ryan Detrick, CMT, Chief Market Strategist, LPL Financial

Jeffrey Buchbinder, CFA, Equity Strategist, LPL Financial

               

 

Markets have been on a wild ride in September so far, with a strong first two days of the month followed by one of the sharpest 10% corrections ever for the NASDAQ. The case can be made that stocks may move higher over the rest of 2020 despite a number of risks, including a possible increase in COVID-19 cases, heightened US-China tensions, and election uncertainty.

 

WILD RIDE

After virtually no volatility since March, market-watchers got a heavy dose of it with the recent three-day 10% correction in the NASDAQ—one of the fastest corrections ever, and the fastest ever from a record high. Historically, the NASDAQ has tended to rise after fast corrections from new highs [FIGURE 1]. Stocks were higher 6 and 12 months after those corrections more than 90% of the time going back 40 years, with the end of the 1990s bull market the glaring exception. Many of these examples took place during the technology boom in the late 1990s, but the history is still instructive

Even with the 4% drop in the S&P 500 Index over the four trading sessions last week, and the nearly 7% drop from September 3 to September 8, the index is still up from the March 23 lows and higher year to date, as of September 11, 2020.

 

 

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3 Things to Know Regarding COVID-19 and Your Retirement

Submitted by Total Clarity Wealth Management, Inc. on September 4th, 2020

 

 

 

 

3 Things to Know Regarding COVID-19 and Your Retirement

 

We all know that the coronavirus pandemic has thrown us for a loop emotionally, physically, and financially. Working from home has become the new normal, restaurants are slowly starting to reopen for indoor dining, and businesses everywhere are still trying to make ends meet and stay afloat. Not only has the pandemic created a new way of life for most Americans, but the pandemic has caused a lot of worry for Americans, especially regarding their retirement plans. In this blog, we are going to go over three of the most important things to know about how the COVID-19 pandemic has affected your retirement. Keep reading!

 

  1. Social Security Won’t Cover All of Your Retirement

Now, it is a common belief that Social Security will cover you in retirement, however, this is not true. Social Security can help you pay for things in retirement, but especially with the current status of the pandemic, it will not cover all of your retirement, just some. In fact, Social Security “never designed to do this, and with a possible benefit cut on the horizon, it's safer to rely upon your personal savings for the bulk of your retirement expenses,” (Fox Business).

 

  1. You May Retire Later Than You Expected

With the amount of people in our country losing their jobs or being furloughed, you may have realized that you might be working longer than you had anticipated. If you were planning to take out retirement funds early, you may want to reevaluate, as delaying retirement could mean more money for you once you actually reach your full retirement age, which varies depending on the year you were born. You can find use this website to determine your full retirement age here.

 

 

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