When it comes to years when both stocks and bonds see poor performance, investors may begin to wonder if it’s better to have their money in liquid assets such as cash, as opposed to investments such as bonds and stocks. In other words, is cash king? Let’s see.

When you own shares of a company, whether it’s a single share or thousands of shares, two things you must deal with are proxy voting and corporate class action lawsuits. Both are often quite tedious, but the good news is that when you work with a Carnegie advisor, we can handle them for you. Here’s everything you need to know about proxy voting, corporate class action lawsuits and how Carnegie handles them.

Trends come and go, but some don’t leave before impacting your investments first. The problem is parsing through all the trends and figuring out which will or will not impact your portfolio. Of course, long-term investing is founded on principles that go beyond merely chasing the latest trend. But that doesn’t mean ignoring trends completely. At Carnegie, we believe in striking a balance by remaining aware of trends, but not being shackled to them. With that in mind, here are five megatrends and the impact we expect them to have on the market.

All your hard work over the years has finally paid off and you’re selling your business. This is an exciting time, but it’s also full of decisions that will impact you for the rest of your life. No matter how large your payout, making it last requires planning. Here’s what you need to know to make your funds last a lifetime. 

As the saying goes, if it is too good to be true, it usually is. In this case it is true, thanks to a recent inflation indicator.

A little-known type of U.S Government bonds called I-bonds are currently yielding more than 7%. The I-bond is a type of U.S. savings bond that is indexed to the Consumer Price Index’s trailing 6 month change. When the Treasury reset the rate at the beginning of November it was 7.12% annualized. This rate will be effective until May 2022.

Special purpose acquisition companies, or SPACs, have exploded in popularity this year, but most investors are still not familiar with these entities, sometimes called blank-check companies. 

In their most recent study about stress in America, the American Psychological Association found that 72 percent of people felt stressed about money. Finances can be a constant stressor for some, no matter what significant events influence it. Still, it’s no secret that the pandemic transformed the workforce rapidly and wreaked long-term havoc on the economy in 2020. Many people experienced food insecurity due to the unexpected impact of financial loss, and according to a survey published in November, 2020, about 63 percent of Americans had been living paycheck to paycheck since the start of the pandemic.

As a portfolio manager at Carnegie Investment Counsel, I am involved with creating portfolios designed to help clients meet their goals. For individuals, corporations or nonprofits, investment policy statements (IPS) are a way to outline goals and objectives. Outside of work, I serve as an investment committee member for my church's endowment. As such, I am sharing my IPS experience as a portfolio manager and as a community member in my church. Let's start with some basics.

Brittany Blazey loves to think of ways to make her clients feel valued. Her role as the Relationship Manager at our Toledo Office is a perfect fit for a person with a heart for taking care of clients.

Thinking about another marriage as you approach retirement? What are the financial considerations?

Getting married at any point in life is an exciting step toward personal and shared fulfillment. But getting married later in life can be both exciting and potentially challenging, at least from a financial standpoint. Compared to those who are marrying for the first time, people who remarry likely have to solve a much more complicated financial equation in order to be prosperous.

Before you tie the knot a second or third time, you and your future spouse should have an open and sincere discussion regarding your respective finances. Some points in this conversation will probably be uncomfortable, but you can avoid future arguments by laying all your financial cards on the table today. Consider the following discussion points: