Eq: Dividends

et’s see: an IRS audit. Or this: your taxes are hightailing it north.


Then there’s the old reliable: the volatility of the financial markets.


Ah, yes. Bum, bum and, um, bummer of all.


That said, on the bright side, to leverage the dividends of tax loss harvesting, there’s direct indexing, according to advisorperspective.com.

And what’s with the gold dust direct indexing boasts in light of a topsy turvy market? Well, the investor owns the individual securities rather than a commingled fund, so they take ownership of any losses absorbed on receding stocks, the site continued. So, when it comes to offsetting gains, the investor can tap those setbacks. And, presto, that can go quite a way in paring back the tax bill of an investor.

But it’s not all tinsel town and balloons. On one hand, says experts, fees and accounts minimums might be heading south, on the other, it could be that direct indexing’s will cut a deeper swatch in your wallet and; yes, isn’t there always more: might be more difficult to deal with than passive investing, according to cnbc.com.

Category: Eq: Dividends, 

Keywords: direct indexing, financial... etc.

Anyone notice that stocks, lately, have been a bit, well, prickly?


Of course, for awhile there, it segued they’d found their mojo and watching cable shows like CNBC also was a popcorn worthy occasion. Now, that viewing experience likely would give you indigestion.


In other words, yes: vo-la-ti-li-ty.


Now, could this be hitting the gas pedal on an even steeper decline.


Let’s count the possible dividends. In the short term, the wraps are on the corporate earnings season, according to ally.com, and summer? Ready to wave buh-bye. In the eye of an obvious lack of direction, it’s all but an invitation for percolating volatility, the site continued.


Meantime, investors are sliding their attention from the probabilities of a recession and how the markets will react to the Fed.


Against that less than appealing backdrop, Jesmond Mizzi Financial Advisors’ Head of Wealth Management Colin Vella, said that rather than ruing the circumstances surrounding the volatility, investors can make the best of it, according to jesmondmizzi.com.


The global initiative – unlike the war – to get a handle on COVID 19 reassured markets that bouncing back to more normal conditions could be on the short term horizon. 


As the virus started to escalate worldwide, at the dawn of 2020, markets began their descent. However, the downturn didn’t have staying power and bounced back prior to the initial lockdowns.

Annuities are one of the safest financial securities that exist, but that doesn't mean they are without some risk. Sure one of the biggest risks to an annuity is dying early, but there are other external risks like liquidity. Annuities are among the most illiquid contracts and often come with heavy penalty fees in withdrawals. Additionally, if an annuity company goes bankrupt they aren’t regulated by FINRA, and state and local insurance agencies only cover between $250,000-500,000 in losses. In the current environment, inflation growth is a substantial risk to annuities because it devalues the future payment stream in a fixed rate annuity, and even if the Fed raises rates to curb inflation this will only make it a less attractive yield in comparison to the market.

Finsum: Overall, annuities look like one of the safest securities and variable rate annuities may mitigate interest rate risk.

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