Art

What would you do if you had more free time?

Do you know where your money goes?

Going through a difficult transition in your life?

Do losses keep you awake at night?

Making the same investment mistakes over and over?

Are you missing the big picture?

What keeps you up at night?

When are you happiest?

Have your investment goals changed over time?

Do you have a strategy?

Tempted to make investments that aren’t part of your “plan?”

Are you prepared for disaster?

Are your emotions affecting your investment decisions?

What have you always wanted to do?

Having trouble setting goals?

Will your family be OK?

Worried you’ll outlive your money?

How would you define “risk?”

What does retirement mean to you?

Do you have a fear of being audited?

Do you have to give up your pension?

Will your estate be devastated by taxes?

What do you value most in life?

Unsure about your rate of return?

Which of your current responsibilities would you like to give up?

How do you get a fair settlement?

Is your asset mix right for you?

Should you keep the house?

Why is asset allocation so critical?

Having trouble deciding when to buy or sell investments?

Are your documents in order?

Are you invested for retirement?

How much is enough?

When is the best time to sell an investment?

Are you fearful of making an expensive mistake on your taxes?

How can you minimize your taxes?

If you had more money what would you do?

Are you ready for retirement?

How much risk should you take?

October 29, 2011

Schwab Market Perspective: Missing the Forest for the Trees?

By Liz Ann Sonders, Brad Sorensen, and Michelle Gibley

In investing, a danger is getting caught up in day-to-day, hour-to-hour developments. And typically, it’s the negative news that gets the majority of the attention from the media.  Looking at the bigger picture is important for investors that have longer-term horizons.

The market continues to be at the mercy of developments out of Europe, with much of the recent focus on Greece. Discussed in more detail below, Greece itself is a relatively small country in terms of economic size and importance, but is getting the lion’s share of media and market attention. Its importance is heightened due to it’s interconnectedness with other European nations, but overemphasizing its problems can obscure the bigger picture solutions that are being formatted. But even the broader European focus has largely seemed to overshadow developments in the United States, which remains the world’s largest economy.

Key Points

  * Earnings season was good and economic data in the United States has shown signs of improvement. Although we don’t believe we’ll see robust growth in the near future, we do believe the economy is improving. But investors appear to be unconvinced that the picture may be brightening.
  * Headline inflation continues to run higher than we’d like to see but we don’t believe sustainable price gains are likely.  The Fed continues to be extremely accommodating, seemingly more concerned about the potential for deflation.
  * Although Greece has garnered the headlines, Italy has the potential to be a much bigger problem. There are positive signs of progress in Europe and a tentative agreement has been reached, but hopes for a true long-term solution remain thin. Conversely, Chinese growth, while slowing, is likely to suffer no worse than a soft landing.

 

Link: http://www.schwab.com/public/schwab/resource_center/expert_insight/todays_market/recent_commentary/schwab_market_perspective.html