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PRCI Market Insights for a weekly email and blog that delivers the latest investing news and information.

Wednesday, February 7, 2024

When it comes to retirement planning, there's a little trick in the book that might not seem like much at first but can make a huge difference down the line: reinvesting dividends. Think of it like planting a small seed in your garden....

Wednesday, February 7, 2024

Down here in Pensacola, we're no strangers to fishing. Just like finding the perfect fishing spot, investing in dividends requires knowing where to cast your line. You might think snagging a stock with a high dividend yield is like...

Wednesday, February 7, 2024

It's tempting to veer towards high-yield investments, thinking they might be the silver bullet to boost our income, especially in today's low-interest-rate environment. But, as we've seen time and again, chasing after those high yields...

Wednesday, February 7, 2024

Navigating the low-yield environment we're in today requires a bit of a shift in strategy for those of us focused on generating retirement income. The days when you could rely solely on bonds and dividend-paying stocks to meet your...

Wednesday, February 7, 2024

When we talk about building a solid retirement plan, especially in sunny Pensacola where the beach life might make you want to retire early, focusing solely on dividend yields is like fishing with just one type of bait. Sure, you'll...

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Wednesday, February 7, 2024

In the pursuit of dividends, it's easy to become enamored with the allure of yields. Yet, this singular focus can inadvertently lead to a lack of diversification, exposing our portfolios to unnecessary risks. Broad diversification...

Wednesday, January 24, 2024

When building a robust portfolio for your IRA, 401(k), or overall retirement income strategy, focusing on "quality" investments is crucial. Quality investments are those that not only promise potential returns but also offer stability...

Wednesday, January 24, 2024

In the investment landscape, dividend-paying stocks emerge as a compelling choice for those looking to blend growth with stability. These unique stocks are part of companies that do more than just aim for profit; they share a portion...

Wednesday, January 24, 2024

A Certificate of Deposit (CD) ladder is a savvy investment strategy that involves diversifying your investment across multiple CDs with varying maturity dates. This approach allows you to enjoy the security and typically higher...

Monday, January 22, 2024

As you approach retirement, it's not just about managing your funds and ensuring a comfortable lifestyle; it's also crucial to think about how your assets will be handled after your passing. Estate planning, an often overlooked aspect...

Monday, January 22, 2024

Retirement Planning: Navigating Downsizing and Relocation Decisions Retirement brings a host of changes, not least of which is reconsidering your living situation. Whether to downsize, relocate, or stay in your current home is a...

Monday, January 22, 2024

As you enter retirement, understanding Required Minimum Distributions (RMDs) from your retirement accounts becomes crucial. RMDs are minimum amounts the IRS requires you to withdraw annually from certain retirement accounts after...

Monday, January 22, 2024

As you approach retirement, one of the most significant financial decisions you will face is how to handle your pension. Many pension plans offer the choice between receiving a lump sum distribution or regular monthly payments. This...

Monday, January 22, 2024

As you approach retirement, it’s crucial to have a comprehensive plan for your healthcare needs. This plan should include understanding Medicare enrollment and considering the benefits of long-term care insurance. Both are vital...

Tuesday, January 9, 2024

In the dynamic realm of investing, the practice of periodically reviewing and adjusting your portfolio is a cornerstone of responsible financial management. This process is especially crucial when it involves diverse investment...

Thursday, January 4, 2024

In the dynamic world of investing, understanding your risk tolerance is like having a reliable compass; it guides your financial journey, ensuring you stay on course towards your goals. The role of professional financial advice in this...

Thursday, August 31, 2023

The stock market rebound has significantly increased the number of workers with $1 million or more in their workplace retirement accounts. According to Fidelity Investments, employees with 401(k) balances exceeding $1 million rose 26...

Wednesday, August 9, 2023

What you do with your first paycheck is more valuable than you might realize. Here are three tips for teenagers or first time income earners that will help you get a head start on good financial decisions.

Friday, August 4, 2023

What 's the news about the recent credit downgrade? What does history tell us about the relationship between the S&P 500 and the month of September? All this and more.

Wednesday, March 22, 2023

Today, the Federal Reserve raised interest rates for the 9th time to combat inflation amidst banking turmoil. If you have a portfolio, here's 3 Key Take-a-ways you kneed to know.

Thursday, March 2, 2023

In this article, we examine the investment approach of Cicero, the renowned Roman philosopher and statesman. We discuss how his investment strategies are still relevant today and provide insights for modern-day investors.

Thursday, February 23, 2023

Early indications suggest the U.S. economy is performing well this year, following solid growth with a slight dip in late 2022. The Commerce Department revealed that Gross Domestic Product (GDP) rose at an annual rate of 2.7% in the...

Monday, February 20, 2023

Maximizing Your Retirement Savings: Don't Miss Out on 401(k) Benefits Are you concerned about your retirement savings during a possible recession? Discover why enrolling in your employer's 401(k) plan is critical to achieving long-term...

Wednesday, February 1, 2023

What you should know: The Federal Reserve is raising interest rates to control inflation and maintain a restrictive monetary policy stance, with the benchmark federal-funds rate rising from near zero to a range between 4.5% and 4.75%.

Tuesday, January 31, 2023

ESG Investing may prioritize social or climate agendas over the best interests of investors, putting their financial goals at risk. In November or 2022, President Biden created a rule that would allow for fund managers to decide that ESG wa

Tuesday, January 31, 2023

What you need to know: Although stocks are off to a good start in 2023 and the economy being strong in Q4, it takes more than just a few good weeks and a few solid economic reports to determine the end of a bear market.

Friday, January 27, 2023

What you should know: GDP growth in Q4 2022 was 2.9%, slightly lower than Q3's 3.2%. Increases in private inventory investment, consumer spending, and government spending helped drive growth, while decreases in residential fixed investment

Wednesday, January 25, 2023

Investing can be a daunting task, and with so many books on the subject, it can be hard to know which ones are worth reading. However, there are a few books that stand out as being particularly valuable for serious investors. In this...

Sunday, January 22, 2023

Risk tolerance is a key factor to consider when building and managing an investment portfolio. It refers to an individual's ability and willingness to take on risk in pursuit of potential returns. Understanding your risk tolerance is...

Saturday, January 21, 2023

One of the key considerations during a bear market is to focus on investments that provide a steady stream of income, such as dividends. Dividend-paying stocks can provide a source of income during a bear market, helping to mitigate the imp

Saturday, January 21, 2023

Recessions have been a part of economic history for centuries. The earliest recorded recession occurred during the Roman Empire in AD 37-41, when Emperor Caligula's extravagant spending and subsequent economic policies led to inflation...

Tuesday, December 20, 2022

What does the bond market know that the Fed isn’t telling us?Fed officials recently have said that short-term rates will need to climb to over 5 percent to bring inflation under control. But in the table below, you can see that...

Tuesday, December 13, 2022

You've been putting off reviewing your investment portfolio for months, maybe even years. You know you should, but you keep telling yourself that the market will turn around soon and you'll be able to recoup your losses. Well, it's...

Monday, December 12, 2022

There is a wide dispersion of forecasts among industry watchers in assessing the job market, interest rates, and the possibility of an economic recession—and therefore how these factors will affect housing markets & your overall portfolio.

Monday, June 27, 2022

This weeks update with insights and observations to help you make sense of the market. Sign up for the weekly market insights news letter.

Thursday, June 2, 2022

7 RETIREMENT TIPS TO CONSIDER IN YOUR 50'S - FREE DOWNLOAD.

Wednesday, May 25, 2022

The number one question I’m hearing this week is, “When are we going to see the stock market reach a low point?” In spite of recent volatility, my answer remains the same: rather than timing the markets, focus on time...

Wednesday, May 18, 2022

When markets cycle lower like they have been lately, perspective is critical. If you’re not connected to someone with experience, it can be easy to miss the big picture. If you zoom out a bit in history, most investors haven't...

Monday, April 4, 2022

Wednesday, March 9, 2022

Friday, February 18, 2022

Tuesday, February 8, 2022

Tuesday, February 8, 2022

Thursday, January 27, 2022

You’ve worked hard and you’ve saved money away in your companies 401(k) but now you’ve moved on. Maybe you retired or just changed jobs. Either way, it’s important to know what your options are.

Thursday, January 6, 2022