When communicating about retirement savings, frame your message differently for various age groups. Workers under the age of 35 historically have had the lowest level of participation in employer-sponsored retirement plans. When these workers get older, they will have missed opportunities for compounding that could have made it easier to build retirement assets.1 “For younger [...]
Bond Market Outlook: Points to Ponder
It is helpful to weigh both the benefits and risks associated with bonds and other investments. During the past decade, many long-term fundamentals of investing have been turned upside down and one example is the performance of U.S. stocks compared with bonds. Over longer time periods, such as 20 or 30 years, stocks exhibited higher [...]
Facebook’s IPO: What We Know Now
Facebook is set to raise the roof off Wall Street with its upcoming initial public offering, which has a target valuation on the social-media giant as high as $95 billion. To see where Facebook’s IPO stands now, here are some questions and answers with updates as they happen. When will the IPO take place? [...]
Are Recent Stock Market Advances Sustainable?
Consider underweighting stocks with a significant revenue base in economically troubled European countries. The S&P 500 Index closed at 1402 on March 15, 2012, the first time the index closed above 1400 since June 5, 2008.1 The latest upward progression began in October 2011 when the debt crisis in Europe showed signs of receding and [...]
138th Kentucky Derby and PPS Advisors
Throughout their 137 years the Kentucky Derby has been partnered by yet another prestigious race, the Kentucky Oaks. Over the years the Kentucky Oaks has produced a sporting event that becomes an experience for all who attend. This annual race is accompanied by a few traditions that give this event an underlying purpose. This year [...]
Student Borrowing on the Rise
More than half of bachelor’s degree recipients graduate with debt averaging more than $20,000. College costs have skyrocketed over the past decade, rising faster than the overall rate of inflation. According to the College Board, the average annual cost of a four-year public college, including tuition, fees, and room and board now runs $17,131. The [...]
Strategies for Smart Retirement Planning
Whether retirement is just around the corner or 30 to 40 years away, regularly setting money aside — particularly in a tax-deferred vehicle such as a 401(k) or tax-exempt account like a Roth IRA — can often be the smartest move you can make. A study conducted by the Employee Benefit Research Institute estimated that [...]
Tactical Asset Allocation: Fine Tuning a Longer-Term Strategy
Setting percentage limits on allocation shifts and time limits on maintaining these shifts can help to limit risk. Strategic asset allocation, the practice of maintaining a strategic mix of stocks, bonds, and cash, has guided many investors in creating portfolios that suit their risk profile and long-term investing goals. 1 This widely used strategy is [...]
Is Increased Inflation on the Horizon?
Although many economists project overall U.S. inflation to remain modest in the near future, most see an uptick down the road. Economists and market watchers have been warning investors about the prospect of increased inflation since the housing bubble burst in 2007. Worries about inflation have been cropping up more frequently lately, largely due to [...]
The Pros and Cons of Health Savings Accounts
HSAs offer investment options that differ from plan to plan, depending upon the provider, and allow users to carry account balances over from year to year. As health care costs continue to rise, consumers must find ways to ensure that they have the funds to pay for medical expenses not covered through their insurance. One [...]
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About PPS Advisors
The PPS Advisors Team is led by Lawrence Passaretti, one of the top financial advisors in the country with over a quarter-century of financial investment planning experience.
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Plan Sponsors: Young Workers Need Different Messages
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Bond Market Outlook: Points to Ponder
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Facebook’s IPO: What We Know Now
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Are Recent Stock Market Advances Sustainable?
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138th Kentucky Derby and PPS Advisors
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138th Kentucky Derby and PPS Advisors
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How Closely Correlated Is Your Portfolio?
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Do You Have Enough Disability Insurance?
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Three Keys to Surviving Market Turbulence
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How Do You Know When It’s Time to Sell?
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