Carnegie Investment Counsel Blog

 

Shams Afzal, AIF®

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Four Ways to Build Wealth When Interest Rates Are Low (Like Right Now)

Posted by Shams Afzal, AIF® on Dec 22, 2020 1:00:00 PM

Low interest rates, along with all their advantages and pitfalls, have defined much of the last decade. While prior recessionary periods have seen overnight shifts by the central bank to sub-1% interest rates, 2020 appears to manifest an extreme version of it so far. As the Federal Funds Rate was slashed from 1.5% to nearly 0% in March of 2020, the 10-year Treasury, the widely followed proxy for long-term rate setting purposes, registered a low of just 52 basis points within days of the Fed actions, an historic low.

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Topics: Investment Management

What Should I Do with My Portfolio in My 20s, 30s and Beyond?

Posted by Shams Afzal, AIF® on Oct 27, 2020 1:30:00 PM

While some investing wisdom is timeless and can be as simple as “save early and often,” behavioral finance shows us that the best advice is one that can be followed and adhered to long enough for it to deliver. 

Priorities in one's 20s are and should be different than those in one's 40s and beyond. 2020 has put a wrinkle in even the best laid plans and added other layers of uncertainties to be taken into account for both short- and long-term financial decisions. Here are some steps to consider in the different phases of financial life.

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Topics: Investment Management

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