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Universal Value Advisors

August 2014

4% is more of a guideline than a rule

By UVAadmin
August 28, 2014
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Originally published on Marketwatch.com http://www.marketwatch.com/story/4-is-more-of-a-guideline-than-a-rule-2014-08-26 In my last column I wrote about some considerations retirees should make when calculating how much money they are planning to withdraw from their retirement portfolio. I closed that article with a very brief discussion of the Trinity Study, also known as the 4% rule. The Trinity study was originally done in 1998 and found that by starting your retirement income at a rate of …Read More

Northern Nevada Used to be a Boomtown – It Can Be Again

By Robert Barone
August 28, 2014
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Originally published on Nevada Business.com http://www.nevadabusiness.com/2014/08/northern-nevada-used-boomtown-can/ In early June, one of my clients asked me if it were safe to invest in real estate in northern Nevada. My response: Only if you are sure of two things: 1) If the margins tax on the November ballot would be defeated; 2) If northern Nevada would get the Tesla battery gigafactory. Then, on June 9th, the Reno Gazette Journal (RGJ) posted a story entitled David …Read More

What to Expect from Jackson Hole: “Party On”

By Robert Barone
August 25, 2014
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In the past, the Fed’s Jackson Hole Symposium produced some new and controversial proposals.  Two years ago, for example, then Chair Bernanke introduced QE3.  And, the financial markets loved it.  So, what can we expect from this Jackson Hole Symposium? Given the stances that Yellen has taken throughout her short tenure as Chair, it would be very surprising if the Symposium weren’t used by the Fed as a justification of …Read More

4% Rule calculating your retirement withdrawals

By UVAadmin
August 15, 2014
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There are many factors to consider when deciding how much you should withdraw from your retirement portfolio annually. You need to think about life expectancy, the rate of return on your investments, inflation and your personal goals for your assets in addition to your income needs. In the case of a married couple who retires at age 65, there is a good chance that one of them will live for …Read More

How the economy really works

By Robert Barone
August 15, 2014
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The latest economic controversy is something called corporate “inversions.” They occur when a U.S. domiciled corporation buys or merges with a foreign entity and moves their official headquarters out of the U.S. The media has painted this as almost criminal and the Obama Administration as “unpatriotic.” Most who get their news from sound bites believe that those corporations who plan to or have already accomplished inversion pay no U.S. taxes. …Read More

Fed policy and your retirement portfolio

By UVAadmin
August 7, 2014
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Originally published in MarketWatch.com http://www.marketwatch.com/story/fed-policy-and-your-retirement-portfolio-2014-08-07 At the most recent Federal Open Market Committee meeting, Chairwoman Janet Yellen reiterated that the economy is improving and deflation risks are disappearing. The Fed is planning on ending its QE, or quantitative easing, program in October and hasn’t signaled that it will begin raising rates before next summer in 2015. In her semiannual Humphrey-Hawkins testimony to congress, Yellen mentioned that she thought that high-yield …Read More