The New Capital JOURNAL
Financial news, views, advice, and guidance.
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Student Loan Repayment Delayed Again to Future Date in 2023
The Biden administration has announced another extension for repayment of federal student loans to an unspecified date in 2023 due to legal challenges that have blocked implementation of the student loan debt relief program.
Feeling Grateful? Give Generously!
Every year—but even more so in tough times—our country’s nonprofit sector plays a crucial role in ameliorating economic hardship. Now more than ever, it is time for those of us who can to step up and support them.
Time the Market at Your Peril
My fear is that faster and easier ways of investing will allow people to lose more money faster and easier.
2022 Mutual Fund Estimated Distributions
Every year there may be activity from within mutual funds that result in a distribution of capital gains to shareholders. Our Investment Partners have provided early estimates of these distributions.
Market Perspectives: December 2022
Vanguard December Market perspectives offers global economic and security returns forecasts.
Managing Liquidity Risk in the World’s Deepest Bond Market
Liquidity has been evaporating from the Treasury market. Vanguard's active fixed income funds are managing for stability.
Benefits of Establishing a Minor IRA
A minor IRA can be a valuable tool for teaching a variety of financial lessons, from deciding how much to save, to managing taxes and investing.
Year-End Charitable Giving
The tax benefits associated with charitable giving could potentially enhance your ability to give and should be considered as part of your year-end tax planning.
Time to Have a Family Money Meeting?
See how one family learned to be more open when talking about money with their children.
How Do the Midterm Elections Impact the Outlook for Markets and the Economy?
Politics will always be a source of uncertainty for markets, but it’s policy, not politics, that is more influential for the economy and markets in the long run.
Avoiding Taxable Transactions: IRA Rollovers
New Capital assists our clients with rollovers on a regular basis. Let us know if we can help you.
Weekly Market Commentary
U.S. stocks surged and Treasury yields fell sharply after the core October CPI rose a lower-than-expected 0.3%. We think this is finally an encouraging development on inflation but doesn’t yet change the overall picture.
Markets Don’t Wait for Official Announcements
Some investors may worry about the stock market sinking after a recession is officially announced. But history shows that markets incorporate expectations ahead of economic reports.
What Is the Outlook for Long-Term Returns?
Markets offer the best potential long-term returns in more than a decade.
When Higher Inflation Meets Your Withdrawal Rate
While few are predicting a 1970s-style inflation spiral, it’s still worth thinking through how inflation could affect your plan.
Keeping Beneficiary Designations Up to Date
If you don’t know who your beneficiaries are, then it’s time for a beneficiary designation check. Even if you think you remember, every now and then, they should be checked.
Is a Slower Rate Hike Path on the Horizon?
Powell suggested that a smaller pace of rate hikes may come as soon as the next meeting, but emphasized that the more important question is how high rates need to go, and for how long.
IRS COLA Changes for 2023
Inflation is typically hard on retirement savers. As inflation cumulates year over year, an account balance will be losing purchasing power even if it’s still growing.
The Red Flags of Elder Financial Abuse
Combatting fraud takes education and a plan for trusting the right people.
Top 10 Success Tips for Estate Planning
The more planning done in advance, the more likely your loved ones will know what to do. ?Here are 10 key tips for estate planning for you to consider.