Short term, Long term

TOP TIPS - Crunch the Social Security Numbers and Play the Long Game

There is a lot of debate, and conflicting advice, regarding the age at which it is best to take Social Security benefits.

Of course, if you are 62 and have no other source of income, the answer is taken out of your hands: you will probably need to claim.

However, for those people approaching retirement age who have made financial plans for the future, there is the liberty of choice. So, what are your options, and what should you do? Here are our Top Tips:

Commodities Screen

News Wrap - Is Now the Time to Invest in Commodities?

A recent article in the Wall Street Journal* suggested that now might be the time for investors to invest in commodities, particularly as part of a longer-term strategy such as a retirement plan, perhaps. The article stated that the best time to invest in an asset class is typically when its performance is at its worst. Given the recent and extended travails of commodities, it contended, they currently make for a potentially attractive prospect.

Commodities are raw materials that are either consumed without processing or are used as the foundations for other products. Examples of commodities range from timber, oil, nickel, gas or gold, to oranges, corn, coffee wheat, cattle and sheep.

Woman with Documents

TOP TIPS - Reviewing Your Pensions - Is Everything Correct?

Non-resident aliens and other expats living in the United States have many complex issues to overcome in order to ensure their pensions are both optimised in their best interests and compliant with the rules and regulations of their relevant cross-border jurisdictions.

However, even outside of these considerations, there are many potential retirement planning pitfalls.

Bull and Bear

NEWS WRAP - Too Much of a Good Thing Could Signal a Melt-up

Commentators have expressed concern that stocks could be getting too expensive, with some predicting that if the trend continues it could lead to an unwelcome and "nasty" correction*. This follows both the Nasdaq and the S&P 500 recently hitting historic highs, while the Dow is only a half-percentage point rise from the same.

Edward Yardeni, a respected analyst of many years' experience, recently released his market brief for November 2019 and warned that if the S&P forward earnings multiple reaches 19 or 20 – it is currently at 17, while a figure of 15 to 16 is more typical – it could be a sign that equities are significantly overvalued.

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