Happy August and Happy Back to School month! Every year we get to this point, and every year I find it hard to believe we’re already here! My wife has been back in her classroom getting it ready for the 8th graders, and parents everywhere are ready for some semblance of a routine again. In…
Welcome to our July 2025 Viewpoints, a monthly bulletin from PDS Planning to our valued clients and friends. Our goal with each issue of Viewpoints is to provide you with a wide variety of perspectives on life and wealth. Feel free to share with others. The Great Cash Surge: A Safe Haven With Hidden Opportunity Costs…
We hope you enjoyed a nice long holiday weekend with family and friends! Our kids loved the parade, likely due to the load of candy they scored. I was especially amused by the largest bag of candy handed out by a new dental practice in the area. I guess that’s one way to increase future…
Welcome to our June 2025 Viewpoints, a monthly bulletin from PDS Planning to our valued clients and friends. Our goal with each issue of Viewpoints is to provide you with a wide variety of perspectives on life and wealth. Feel free to share with others. Starting Rate and Future Returns When it comes to bond funds,…
Amidst all the tariff and trade proposals stoking, then quelling, market volatility, brief but messy political break-ups, and strong economic data, there has been a very healthy mix of good and bad news. One headline that was swept up in all of this we wanted to make sure was addressed was the Moody’s downgrade of…
Welcome to our May 2025 Viewpoints, a monthly bulletin from PDS Planning to our valued clients and friends. Our goal with each issue of Viewpoints is to provide you with a wide variety of perspectives on life and wealth. Feel free to share with others. The New Maximum…Maybe If you have a google alert for the…
March and April were rollercoasters for the stock market and potential reasons why can be found on either side of the aisle. Positive or negative. Tariffs, of course, have played a big role in market volatility. Though we’re in a period of waiting (90-day pauses), there’s little doubt we’re out of the woods from a…
Welcome to our April 2025 Viewpoints, a monthly bulletin from PDS Planning to our valued clients and friends. Our goal with each issue of Viewpoints is to provide you with a wide variety of perspectives on life and wealth. Feel free to share with others. Reasons to Sell From the Global Financial Crisis in 2008 to…
“Tariff is a word most of us first heard in high school history class. We remember something about the Smoot-Hawley Tariff Act of 1930, the Great Depression and the dark side of protectionist trade policy,” according to Capital Group economist Robert Lind. “Fast forward to today and tariffs are once again taking center stage, serving…
Welcome to our March 2025 Viewpoints, a monthly bulletin from PDS Planning to our valued clients and friends. Our goal with each issue of Viewpoints is to provide you with a wide variety of perspectives on life and wealth. Feel free to share with others. Intra-Year Declines From peak to trough, a -10% decline is considered…
Market concerns have escalated as the tariff policy enacted continues to evolve and change day-to-day. The situation is very fluid, and markets are just trying to keep up with the latest news coming out of the white house. What We Know Today We know on Tuesday, March 4th, a 25% tariff took effect on most…
Welcome to our February 2025 Viewpoints, a monthly bulletin from PDS Planning to our valued clients and friends. Our goal with each issue of Viewpoints is to provide you with a wide variety of perspectives on life and wealth. Feel free to share with others. Housing Market Hold Strong, But Buyer Demand Weakens The housing market…
It’s only the first week of February, but lots has already happened! On top of everyone and their brother getting sick, a couple major market shakers have already come and, potentially, gone. DeepSeekOn January 27th, news broke that a Chinese startup called DeepSeek developed and trained an AI reasoning-model for only $6 million (though later…
Welcome to our January 2025 Viewpoints, a monthly bulletin from PDS Planning to our valued clients and friends. Our goal with each issue of Viewpoints is to provide you with a wide variety of perspectives on life and wealth. Feel free to share with others. The Yield Curve is Back to Normal After being inverted for…
2024 was a great year on a number of fronts, but was certainly a banner year for stocks as shown by the index returns below: Many would expect bonds to also perform well with the Federal Reserve cutting interest rates. However, the aggregate bond index only gained 1.3% last year. Yes, the Fed cut rates…
