November 19th, 2008
“Life involved changing opportunities and risks. We develop
long term wealth enhancing strategies and manage risk
to meet client wealth distribution goals.”
- Joseph Banach
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- Review Investment Management Strategies
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November 2nd, 2008
October 2008 Markets Review
Large Losses across All Markets
Panic Volatility & Selling
Key Points
- Year to Date Total Returns
S&P 500 (969) -33%
US 10 Yr Bond (3.96%) 0%
NASDAQ (1731) -35%
Foreign (EAFE) Stocks -43%
- 2008 US GDP expected growth = 0.6%
- 2008 earnings decline expected = -8.5%
- Negative 2008 portfolio returns
Executive Summary
Equity markets imploded (S&P 500 -17%) in October.
All markets suffered a lack of confidence. Volatility
exploded and risk premiums increased ……
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October 18th, 2008
Wealth Guide Section II Nature of Risk
Chapter 2 Uncertainties, Choices, & Catalysts
The word “risk” derives from the early Italian
“risicare”, which means to “dare”.
… The actions we dare to take, which depends
on how free we are to make choices, are
what the story of risk is all about.
-Peter Bernstein Against The Gods
Key Points
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October 1st, 2008
Third Quarter 2008 Markets Review
Chaotic Credit Markets
A September To Remember
Key Points
- Year To Date 2008 Total Returns
S&P 500 (1164) -19%
US 10 Yr Bond (3.84%) +2%
NASDAQ (2082) -22%
Foreign (EAFE) Stocks -27%
- 2008 US GDP expected growth = 1%
- 2008 earnings expected decline =-4%
- Negative 2008 portfolio returns
Link to full version BWM Letter
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October 1st, 2008
Linked Lifetime Wealth Guide
A Resource for Managing Personal Financial Risks
rough draft Table of Contents and Chapter 1 Intro to
Wealth Flow Concepts are provided as continual education.
Link to Table of Contents
Link to rough draft Chapter 1
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August 31st, 2008
August Month End 2008 Markets Review
Market Churns; Long Shallow Recession
Key Points
- Year to Date 2008 Total Returns
S&P 500 (1282) -11%
US 10 Yr Bond (3.85%) +3%
NASDAQ (2367) -11%
Foreign (EAFE) Stocks -19%
- 2008 US GDP expected growth = 1%
- No 2008 earnings growth expected
- Negative 2008 portfolio returns likely
Link to full version BWM Letter
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August 16th, 2008
Wealth Distribution
Part 2 : Specific Issues
Why Simulate and Focus on Withdrawals?
Key Points:
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August 8th, 2008
Wealth Distribution
Part 1
Selecting Your General Approach
Key Points
- Time horizon overshadows other factors
- Risk tolerance changes and adjustment
capacity critical for robust spend plan
- Part 2 - specific issues analysis will follow
in the next BWM Letter
Link to full version BWM Letter
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July 31st, 2008
July Month End 2008 Markets Review
Stock Market Retreat Due For A Pause
Key Points
- Year To Date 2008 Total Returns
S&P 500 (1267) -12.0%
US 10 Yr Bond (3.98%) 1.5%
NASDAQ (2325) -12.4%
Foreign (EAFE) Stocks -12.3%
- 2008 US GDP expected growth = 1%
- No 2008 earning growth expected
- Negative 2008 portfolio returns likely
Link to full version BWM Letter
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July 21st, 2008
Investment Risk Awareness
Physical Sciences Provide a
Perspective of Uncertainty
Key Points
- Physical Science inquiries into uncertain
issues are more detailed and complex than
investment analyses
- MPT mean variance distributions are inadequate
- Added risk factor considerations
Link to full version BWM Letter
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