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Category: Portfolio

The Black Swan and Your Portfolio

By Lineweaver Financial Group
March 12, 2020 Category: Black Swan, Portfolio,

Earlier in the year, we talked about the backdrop being favorable as we entered 2020. However, we noted that 2020 would be like every other year in that it would include unpredictable or surprise events. It didnt take long for that to materialize. The Coronavirus is the black swan event for 2020. You hear the term black swan often on the news, or when the pundits talk about the financial markets, but what, exactly, do people mean when they talk about a black swan? A Black Swan Event is one that is completely unexpected and cannot be predicted. It also has significant consequences. A black swan event can have a tremendous effect, positive or negative, on societies, economies, financial markets and of course on investment portfolios. The term Black Swan originates from the belief that all swans were white because these were the only ones ever seen or accounted for. However, around 1700, black swans were discovered in Australia. So, this unexpected, unpredictable event in (scientific) history

Were Your Taxes a Costly Surprise This Year?

By Lineweaver Financial Group
May 02, 2019 Category: Taxes, Trump, Portfolio

Theres been a lot of confusion this year, as we all file for the first time under the New Trump Tax Law. Some people are finding that their returns are lower, or that deductions theyve always depended on have gone away. The biggest cause that we see for a lower return is a lack of tax strategy and planning in advance most strategies have to be in place by the end of the tax year not at filing time. There are estate planning implications as well for example, if youre considering a ROTH conversion, which can be a great strategy, there used to be q do-over period you had in case something happened after the fact, or if you changed your mind. However, thats no longer the case. There are two parts to this; 1) being proactive, and 2) investing for tax efficiency, because taxes have the ability to take the largest bite out of your portfolio and your returns, and, its important to remember that its not what you make its what you keep. That means working with a team to build a portfolio

The Importance of Diversification

By Lineweaver Financial Group
December 27, 2018 Category: Diversification, Portfolio, Investments, Stocks, Bonds

Many people think their investments are diversified, but when you dig deeper on any given portfolio, we find thats often not the case. In order to diversify your portfolio, you want to choose a variety of assets stocks, bonds, cash and others but you also want to choose ones whose returns havent all historically moved in the same direction, and, ideally, assets whose returns typically move in opposite directions to hold up your portfolio hold up better in down markets. That way, even if a portion of your portfolio is declining, the rest of your portfolio, hopefully, is growing, and you can potentially offset some of the impact of poor performance on your overall portfolio. Another important aspect of building a well-diversified portfolio is that you try to stay diversified within each type of investment. For example, in terms of your individual stock holdings, beware of overconcentration in a single stock. We usually advise our clients that a single security shouldnt account for

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