L Squared Wealth Management™ https://l2wealth.com/ Investment Management and Financial Planning Tue, 19 Dec 2023 21:26:04 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://l2wealth.com/wp-content/uploads/2015/11/cropped-L-Squared-Only-e1448240322536-32x32.jpg L Squared Wealth Management™ https://l2wealth.com/ 32 32 The Experts are Wrong Again! https://l2wealth.com/2023/12/19/the-experts-are-wrong-again/ Tue, 19 Dec 2023 21:26:04 +0000 https://www.l2wealth.com/?p=5395 At the beginning of the year, the overwhelming consensus of financial experts was there would be a recession in 2023. Surely, in such a scenario, the stock market would be down for the year. No such recession occurred, and, as 2023 nears its end, markets are near all-time highs. The fact that the experts were […]

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]]> I’ll Buy More When the Market Goes Down, Except When it Goes Down https://l2wealth.com/2022/09/08/ill-buy-more-when-the-market-goes-down-except-when-it-goes-down/ Thu, 08 Sep 2022 17:52:54 +0000 https://l2wealth.com/?p=5377 2022 has been a challenging year for investing, with the longest bear market since 2008. The Fed seems serious about controlling inflation, and higher interest rates are seldom good for stock performance. When the market peaked at the end of 2021, many investors were eager to invest more. At that time, if you asked investors […]

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]]> Investing Lessons Learned in 2020 https://l2wealth.com/2021/06/10/investing-lessons-learned-in-2020/ Thu, 10 Jun 2021 15:14:27 +0000 https://l2wealthdemo.flywheelsites.com/?p=4842 2020 was a crazy year for investment markets. Covid was the first worldwide pandemic since the Spanish Flu over 100 years before. Markets were slow to react to the initial news about Covid, but once it became apparent that it would become a worldwide pandemic, markets reacted violently in late February and most of March. […]

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]]> Investment Math Doesn’t Add Up https://l2wealth.com/2020/05/04/investment-math-doesnt-add-up/ Mon, 04 May 2020 19:44:14 +0000 https://l2wealthdemo.flywheelsites.com/?p=4665 The S&P 500 reached an all-time high on February 19. Since that time, we have seen one of the fastest declines in value followed by a rapid recovery. The S&P 500 (on a daily closing basis) was down 33.9% from February 19 to the low on March 23. Then, from March 23 to April 30, […]

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]]> This Is Not Your Grandfather’s Retirement https://l2wealth.com/2020/02/09/this-is-not-your-grandfathers-retirement/ Sun, 09 Feb 2020 18:12:02 +0000 https://l2wealthdemo.flywheelsites.com/?p=4625 Planning for retirement is usually one of the primary goals in a financial plan. However, the concept of retirement is changing. Years ago, retirement was a clear concept. You worked for a company until you were 65 (or thereabouts), and then you never worked another day. If you lived on the East Coast, you moved […]

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]]> What is Hiding in Your Portfolio? https://l2wealth.com/2019/09/20/what-is-hiding-in-your-portfolio/ Fri, 20 Sep 2019 16:27:09 +0000 https://l2wealthdemo.flywheelsites.com/?p=4515 Many investors have a dark, ugly secret – they don’t have an investment plan for their portfolio. Their portfolios are often a semi-random collection of stocks, ETFs, and mutual funds purchased over a long period of time. While markets are going up, as they have for much of the last 10 years, these randomly selected securities […]

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]]> All or Nothing https://l2wealth.com/2019/05/16/all-or-nothing/ Thu, 16 May 2019 16:08:34 +0000 https://l2wealthdemo.flywheelsites.com/?p=4588 Many times, when I talk to investors, I’m confronted with the “All or Nothing” syndrome. It’s a black and white approach to decision making. I can do choice A, or I can do choice B. There is often no thought that the investor can do a combination of A and B, and that may be […]

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]]> The Most Valuable Company in 2050 https://l2wealth.com/2018/08/27/the-most-valuable-company-in-2050/ Mon, 27 Aug 2018 23:25:57 +0000 https://l2wealthdemo.flywheelsites.com/?p=4467 Today, the most valuable American companies (by market capitalization) are Apple, Amazon, Alphabet (Google), Microsoft, Berkshire Hathaway, and Facebook. Five of these six companies are technology companies. Of the 5 tech companies, only two of them existed 30 years ago (Apple and Microsoft). Apple dominates high-end consumer technology products and services. Google dominates on-line paid […]

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]]> Should I Contribute to a 401(k) Roth? https://l2wealth.com/2018/06/29/401k-roth/ Fri, 29 Jun 2018 17:48:20 +0000 https://l2wealthdemo.flywheelsites.com/?p=4451 Most companies offer traditional 401(k) accounts to employees.  In these accounts, employees make pre-tax contributions (up to $18,500 in 2018) to save for retirement and reduce current taxable income. When funds are withdrawn (not rolled over) from the 401(k), the entire withdrawal is taxed at the taxpayer’s current tax rate. Hence, if you are in […]

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]]> The Rule of 72 https://l2wealth.com/2017/09/10/rule-of-72/ Sun, 10 Sep 2017 18:15:07 +0000 https://l2wealthdemo.flywheelsites.com/?p=4205 Compound interest is the most powerful force in investing. By allowing our investments to grow through the magic of compounding, an investment of $50,000 can grow to $1,000,000 over a 40-year investment period at a rate of return of just under 8%. We see interest rates and rates of return, but it is not always […]

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