YES!
Posted by: sarah_oz@yahoo.com
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Soft Skills Development & Training
YES!
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Hi!
Am I still on the list for receiving emails?I've not received any since the one dated Mar 19, 2019.
Zweig's Combined Super Model
Date of Change
Prime Rate Indicator
Fed Indicator Model
Installment Debt Indicator
Monetary Model
Four Percent Model
Combined Super Model
Grade Signal
Level Invested
Mar-19
0
1
2
3
2
5
buy
65% Invested
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Hi!
Am I still on the list for receiving emails?
Zweig's Combined Super Model
Date of Change
Prime Rate Indicator
Fed Indicator Model
Installment Debt Indicator
Monetary Model
Four Percent Model
Combined Super Model
Grade Signal
Level Invested
Mar-19
0
1
2
3
2
5
buy
65% Invested
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The fixed income market includes many different types of securities, and their performance can vary substantially among these types. The chart above compares the performance of 11 major fixed income sectors for the one-year periods ended March 31, 2019 ("current year"-dark blue bars above) and March 31, 2018 ("prior year"-light blue bars above). Ten of the 11 fixed income sectors produced positive returns for both the current and prior years.
The U.S. Federal Reserve's Federal Open Market Committee ("FOMC") increased the target rate range for the federal funds rate three times during the current year, but the FOMC changed its messaging in early 2019 and would be "patient" with regard to further rate increases. During the current year, U.S. short-term rates rose while other rates generally fell, and long-term sectors outperformed short-term sectors. Long-Term Government led all sectors in current year performance (6.20%), as fourth quarter 2018 equity market volatility led investors to seek safe-haven securities. Global (-0.38%) was the only negative sector in the current year based on concerns such as Brexit, U.S. Dollar strength, and non-U.S. central bank monetary policies.
"Performance fluctuates over time and returns depend in part on the market environment, which is hard to predict. Changes in both actual and expected interest and inflation rates can materially impact fixed income investments. Also, investors should note that even U.S. Government securities can decline in value and investing in sectors such as High Yield or Emerging Markets involve additional risk.
When making investment decisions, prudent investors should invest based on their own circumstances, taking into consideration their goals, investment experience, time horizon, and risk tolerance."
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The problem is much of the consideration is speculation based on what you think will happen in the future.Are taxes lower now and you'll be paying a higher rate later? Go Roth.Is your income (and therefore your tax bracket) lower now and you'll be earning more later? Go Roth.If you're near the end of your career, earning close to the most you'll ever earn, you're likely in the highest tax bracket you'll ever be in, paying your highest tax rate, so go Traditional.The hard part is determining where the line is between low tax rate and high tax rate, lower income and higher income.Personally, I decided to switch my contributions to Roth this year because of the tax reform. I also got a promotion a couple of years ago. So, as I work my way up through the steps of my new pay grade, there will absolutely come a time when it will make sense to switch back to Traditional. Heck, maybe just the new pay grade is the point at which I should've switched to Traditional. I'm no good with crunching numbers, I just understand the logic between when Roth or Traditional has the advantage.I will point out one massive advantage of a Roth IRA that we don't get (I don't think) in the TSP: With a Roth IRA, you can do whatever you want with the principle with zero tax penalty. Since you've already paid income taxes on it, it's perfect to use as an emergency fund as well as a retirement account. Any interest earned has to stay (or rather, is subject to severe tax penalties), but you can pull the principle whenever you want for whatever you want.Because of this, you'll often hear people recommend contributing so that you get full matching funds into TSP, then max out a Roth IRA outside the TSP, then, if you still have money to invest, max out your TSP contributions.
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