Investments Archives - Page 2 of 3 - HFM Investment Advisors, LLC

Summary You’ve probably clicked on an article or watched a video predicting how the stock market will perform - but are they ever right? We examine some predictions from top financial institutions like Goldman Sachs, JP Morgan, and Bank of America for 2022 and how they actually turned out and discuss whether it ever makes sense to make investment decisions based on predictions or forecasts. Tune into this episode to also learn: ● Why stock market predictions are (almost) always wrong ● How recency bias affects financial forecasts ● How using market performance predictions to guide your investing can derail your finances…

Why Plan Fiduciaries Need to Pay Careful Attention to Retirement Plan Fees

Business Owners, Investments

Ready to find out if you are paying reasonable fees with your 401(k)? Fill out our contact form to request your free plan benchmarking report. Competitive benchmarking is a way to measure and compare fees associated with running your retirement plan. Explore the most frequently asked questions about plan costs and benchmarking. Retirement plan fees can take many different forms, making it difficult to determine whether they're reasonable. In this article, we'll discuss why fiduciaries need to pay careful attention to fees and how benchmarking can help you make informed decisions. We'll also explore some of the most frequently asked…

5 Things You Need to Know About Secure Act 2.0

401(k), Investments, Podcast

You’re probably not going to read the Secure Act 2.0’s ~100 provisions, so we’re telling you the top 5 things you need to know about it, even if you’re not retiring. The act is being phased into implementation from 2023 - 2033. We’ll let you know the key dates you need to keep in mind. Tune into this episode to also learn: How the Secure Act 2.0 will affect you When key aspects of the Secure Act 2.0 will go into effect What you need to know if you aren’t retiring soon WHAT WE DISCUSSED (00:31) Secure Act 2.0: what…

The Return of the 3% Interest Savings Account

Investments, Podcast, Retirement Planning

It’s stressful when interest rates go up - you can afford less, and your home and car payments go up. But, there is a way to use high interest rates to grow your cash and net worth. We discuss how to make high interest rates serve you rather than scare you. TUNE INTO THIS EPISODE TO ALSO LEARN: Should you put money in an online bank? Best way to protect yourself against inflation How to increase your cash in the short term WHAT WE DISCUSSED (00:41) The plus side of high-interest rates (03:13) Free money from your bank (guaranteed) (04:49)Which…

4 Tips to Better Position Yourself In This Bear Market

401(k), Financial Wellness, Investments, Podcast

You already know that markets are declining so much that we are in bear market territory. But what’s the right thing to do? Stop investing? Sell the stock you have? Will the market come back soon? We answer the key questions on your mind about the 2022 market crash and share 4 ways you can make and save money during this market downturn. TUNE INTO THIS EPISODE TO LEARN: Tips to grow your money when the market is down How to unlock 10 years' worth of tax savings The worst thing you can do when the market is down WHAT…

Find That Lost 401(k)!

401(k), Financial Wellness, Investments

Do you have a long-lost retirement account left with a former employer? Learn how to identify lost retirement accounts and reclaim your money.

What Does the Inflation Act Means For You?

What Does the Inflation Act Mean For You?

Business Owners, Financial Wellness, Investments, Retirement Planning

This article details the top three provisions in the Inflation Reduction Act that the average American will benefit from the most.

5 Ways Business Owners Can Optimize Retirement Savings

Business Owners, Investments, Retirement Planning

As a business owner, you have the ability to pull certain levers to increase retirement savings while controlling tax consequences. By understanding how different qualified plans can deploy savings and tax strategies, you can optimize cash flow for your retirement future.

I Bonds Paying 9.62%… What’s The Catch?

Financial Wellness, Investments, Podcast, Retirement Planning

Right now, I-bonds present an extremely attractive 9.6% rate of return. So, how come we never hear about I-bonds? Learn why I-bonds are currently popular, how to buy them, and whether your should in this snappy episode of the Dollar Wise Podcast.

Staying the Course through Volatile Markets

401(k), Business Owners, Investments, Retirement Planning

Turbulent times can bring turbulent markets. Many factors cause chaotic swings in the investing world including housing bubbles, political elections, international instability and as we have seen recently, a global health pandemic.