Retirement Issues & Musings & Random Thoughts I’ve created numerous budgets for possible retirement scenarios.  The one thing that seems to always jump out at me, is that I need to work more, save more, spend less and prepare for the unexpected. For all of you who are in the state of denial, consider these […]

Market Averages – Investment Returns Investing has its risks.  Investing in the equities market has its risks and volatility.  Every investor must assess his/her ability to live with both overall risk and seasonal volatility.  According to investment broker Charles Schwab & Co., Inc. since 1926 equities have generated an average of 10.7% annual return.  But that […]

Specific Risk   Specific risk involves any occurrences that may affect only a particular company. For example, the death of the founder, political developments, or heavy debt can affect a particular firm adversely. Some huge companies that have been around for a very long time, even with great products and unsoiled reputations, have fallen into […]

Company Risk If a company’s stock value decreases due to financial difficulties, this creates an instant company risk. Internal factors such as inefficient production and poor management or external factors such as problems with the industry, the economy, or trade can contribute to company risk.   Your thoughts on this subject? Your comments appreciated!

Market Risk Market risk is the risk associated with market fluctuations that can depress the value of particular investments. All stocks and bonds can be affected by downturns caused by fraud, war, or calamity. Additionally, certain types of investments can experience a major downturn should there be a slowdown in a specific industry or category […]