Blog

Month: December 2022

Is market volatility taking a bite from your savings?

Is market volatility taking a bite from your savings

Posted By Lineweaver Financial Group
December 16, 2022 Category: General

In a year with down markets, constant volatility and rising interest rates, investing in CDs or bonds could prove an efficient way to get your money working harder for you. They may have a smaller return compared to historic returns from the S & P 500, but the reduced risk could be an improvement on a negative return or no return at all. Currently, there are CDs that are paying around the 4.5% range, and bonds that may pay up to 5%. And the Fed is continuing to raise rates. CDs are usually considered fixed instruments, so rising rates won’t affect those that you hold now. However, by staggering your purchases and building a CD ladder, which will let us keep layering in new CDs at increasing rates, you may benefit from rising interest rates. When considering a CD purchase, one important consideration is the term. Different interest rates will be offered for different durations. CDs also have the advantage of being FDIC-insured up to $250,000.  Another option you have to help your portfolio through market volatility is purchasing bonds. While they don’t have the insurance CDs have, they may pay a slightly better return to help compensate you for some additional risk. There are a variety of bonds like corporate bonds, municipal bonds and even United State Treasuries. With bonds, you should consider the duration, quality and tax status. Different maturities will have different outcomes. For example, one advantage of municipal bonds is the tax st

Categories
Finance (53)
General (40)
Commentary (35)
Newsletter (30)
Economy (27)
Portfolio (24)
Blog (24)
Educational (16)
Retirement (13)
Economic Commentary (12)
Taxes (8)
Letter From The President (7)
Healthwatch (7)
Market (5)
Bonds (5)
Tax (5)
Health (4)
Estate Planning (4)
Q3 (4)
Tax Planning (3)
Markets (3)
New Year (3)
Dividends (3)
Investments (3)
IRA (3)
Lineweaver (3)
Inheritance (3)
Election (2)
Spotlight (2)
Tax Strategies (2)
Healthcare (2)
Strategies (2)
Volatile Market (2)
HealthWatch (2)
Economic Outlook (2)
Crain\'s (2)
Market Update (2)
Trump (2)
Holiday (2)
Insurance (2)
Financial (2)
Planning (2)
2019 (2)
Coordination (2)
Awards (2)
Charity (2)
Trust (2)
Resolutions (2)
Q2 Newsletter (2)
Goals (2)
Investment (2)
Social Security (2)
Healthy Living (1)
Sales (1)
Lineweaver Financial Group (1)
Sleep (1)
2020Q3 (1)
2021 Outlook (1)
Wealthtrac (1)
Markets Don\'t Pick Sides (1)
Recession (1)
2020Q4 (1)
Your Retirement Playbook (1)
Medicare Supplements (1)
IRS (1)
Medicare (1)
Analysis (1)
Retirement 401k 529 (1)
2020 (1)
Invest (1)
End Of Year Taxes (1)
Donation (1)
Black Swan (1)
(1)
CARES (1)
CARES Act (1)
Stimulus (1)
Money (1)
Nutrition (1)
Cds (1)
Rating (1)
Steps (1)
Fitch (1)
Probiotics (1)
Interest Rates (1)
Dollar (1)
Real Estate (1)
529 (1)
Financial Services (1)
Finances (1)
Series (1)
Security (1)
Cyber (1)
Business Coordination (1)
Financial Professionals (1)
Cosultation (1)
End Of The Year (1)
Employee (1)
Clients (1)
School Tuition (1)
Cefex (1)
Second Opinion (1)
Certification (1)
Medical News Today (1)
Spam (1)
Fraud (1)
Nuptial (1)
Certified Financial Planner (1)
Eductional (1)
News (1)
Crains (1)
401k (1)
Investment. Advisers (1)
Agreements (1)
Pros And Cons (1)
Technology (1)
Prenuptial (1)
Education (1)
Postnuptial (1)
Banks (1)
College (1)
Email (1)
Estate Plan (1)
Credit Unions (1)
Donations (1)
Q3 Newsletter (1)
Travel (1)
Drink Water (1)
Market Volatility (1)
Investing (1)
Cryptocurrency (1)
Bitcoin (1)
Advice (1)
Summer (1)
In Laws (1)
Bruce Motko (1)
Trusts (1)
Bloodline Trust (1)
Marital Trust (1)
Vacation From Investments (1)
Screens (1)
Eye Strain (1)
2018 (1)
Market Review (1)
Rising Interest Rates (1)
Travel Tips (1)
Client Spotlight (1)
Quarterly Newsletter (1)
RMD (1)
Eat More (1)
Market Commentary (1)
Market Review 2017 (1)
Letter From The President New Years Resolutions (1)
Transfer Real Estate (1)
Defer Tax (1)
Top Financial Strategies Of The Wealthy (1)
Market Pullback (1)
Reallocation (1)
Distribution (1)
LFG (1)
Financial Planning (1)
Tariffs (1)
NAFTA (1)
Trading (1)
New Tax Law (1)
529 Plans (1)
Charitable Giving (1)
Q2 (1)
New Website (1)
Financial Quarterback (1)
Tax Law (1)
Annuity (1)
Pse (1)
Congress (1)
Sell In May And Go Away (1)
Stock (1)
Buy (1)
Sell (1)
Dementia (1)
Review (1)
Lose Weight (1)
Big Banks (1)
Roth Conversion (1)
Savings (1)
Checking (1)
Banking (1)
Longterm Care (1)
Elder Law (1)
POA (1)
Power Of Attorney (1)
Charitable (1)
Annuities (1)
Traditional Ira (1)
Roth Ira (1)
James Lineweaver (1)
Cooking (1)
Exercising (1)
Vacation Home (1)
Diversification (1)
Stocks (1)
Market Outlook (1)
Financial Goals (1)
Jim Lineweaver (1)
New Years Resolutions (1)
Healthy (1)
Tips (1)
Chad Roope (1)
Q1 (1)
Pro Football Hall Of Fame (1)
Anne Graffice (1)
David Baker (1)
Sring Cleaning Your Finances (1)
Keeping Your Mind Sharp (1)
Q2 2019 (1)
Legal (1)
Wills (1)
CDs (1)
+ Show More

Terms and Conditions | Privacy Policy | Disclosures

Case studies are intended to illustrate the types of financial issues faced by actual clients. They should not be construed as a testimonial for or endorsement of Lineweaver Wealth Advisors. They do not represent the experience of any advisory client. Each client’s situation is different, and their goals may not always be achieved. Lineweaver Wealth Advisors, LLC, is not engaged in the practice of law or accounting. Tax information provided is general in nature and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Tax rules and regulations are subject to change at any time.
Nominees in the Top 100 Magazine selections are not required to pay a fee for consideration. Individuals appearing in half and full page editorials, have paid a fee for additional exposure. Candidates for consideration are selected utilizing proprietary software. Top 100 Magazine analyzes the results before making their final selections. Financial Professionals and/or wealth managers must also met the following criteria; 1. Be registered with the SEC as a registered investment advisor or a registered investment advisor representative; 2. Have no more than 1 filed complaint with a regulatory agency; 3.Never been convicted of a felony. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the Financial Professional by any client nor are they representative of any one client's evaluation. Participants for the Top 100 in Finance appearance were reviewed in 2022, and recognized in March of 2023. Lineweaver Financial Group appeared in Money magazine in 2015, Fortune Magazine in 2016, WTAM 1100 in 2018, Forbes in 2020, Channel 5 in 2020, and Top 100 in Finance in 2023.

Lineweaver Financial Group ©
Powered by Virteom Logo Virteom