Art

When are you happiest?

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

What keeps you up at night?

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

If you had more money what would you do?

What do you value most in life?

Do losses keep you awake at night?

Going through a difficult transition in your life?

Are you prepared for disaster?

Are your emotions affecting your investment decisions?

Do you have a strategy?

Are your documents in order?

What does retirement mean to you?

Do you have to give up your pension?

How can you minimize your taxes?

How much is enough?

What have you always wanted to do?

Worried you’ll outlive your money?

Are you missing the big picture?

Making the same investment mistakes over and over?

How do you get a fair settlement?

Do you have a fear of being audited?

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

Are you ready for retirement?

Is your asset mix right for you?

Will your estate be devastated by taxes?

Do you know where your money goes?

Having trouble deciding when to buy or sell investments?

Having trouble setting goals?

When is the best time to sell an investment?

Unsure about your rate of return?

Have your investment goals changed over time?

Will your family be OK?

How would you define “risk?”

Should you keep the house?

Are you invested for retirement?

What would you do if you had more free time?

How much risk should you take?

Why is asset allocation so critical?

January 27, 2012

Schwab Market Perspective: Slow Road to Normal

by Liz Ann Sonders, Brad Sorenset, and Michelle Gibley

The absence of the regular daily triple-digit moves in the Dow that characterized 2011 to start the year has felt a bit strange to investors who were getting used to the elevated volatility. However, recent action is more indicative of the way markets usually perform, and has contributed to nice equity gains so far in 2012. Additionally, it appears that at least some of the market attention has been taken off of the European debt crisis and we have seen some of the highly-correlated, risk on-risk off trades that dominated recently dissipate.

Key Points

*  Market volatility has fallen and tight correlations have loosened, indicating to us some calming of fears and increased attention on more traditional economic and earnings-related news. We believe this is a good sign for stocks in the foreseeable future.
*  The Federal Reserve unveiled its new communication strategy after its most recent meeting, reiterating that interest rates will likely remain extremely low for some time. Meanwhile, Congress returned to Washington to low expectations as we slog toward the November elections.
*  The European picture is brightening slightly and there may be a glimmer of hope for stock market investors. After a soft patch, it appears that global growth may be turning around.

 

Link: http://www.schwab.com/public/schwab/resource_center/expert_insight/todays_market/recent_commentary/schwab_market_perspective.html?RSS=market_investing_insights&utm_source=feedburner&utm_medium=feed&ut