Weekly Market Recap Now's a great time to consider your resolutions for 2016. When it comes to your investments, we believe that having a clear written plan can help you maintain a strategy. A plan can be less than a page, but can be useful so that you, for example, can pre-commit to making smart moves in the new year; like making regular contributions to your retirement portfolio or a commitment to avoid selling during a weak market environment. We like to call this maintaining your investor discipline.
Another key thing to consider is how much you save. This is a key part of most investment strategies. Currently the savings rate in America is at 5.6% as tracked by the US Bureau of Economics for October 2015. This is relatively low by historical standards. However, upping your savings rate overnight can be a challenge. So, if you'd like to achieve a higher rate of savings, it can help to edge up your savings rate incrementally every six months or so. You could also target saving a large proportion of windfalls you save that are not part of your regular spending pattern such as a bonus at work or a tax refund. You may be surprised at how an extra few hundred dollars here and there can really add up to a much larger portfolio in retirement - especially when you compound many years growth on top of your new found savings. Notes:
US savings rate - https://research.stlouisfed.org/fred2/series/PSAVERT Disclaimer:
The views expressed are for informational purposes only and are not intended to serve as a forecast, a guarantee of future results, investment recommendations or an offer to buy or sell securities by FutureAdvisor. All expressions of opinion are subject to change without notice in reaction to shifting market, economic, or political conditions. The investment strategies mentioned are not personalized to your financial circumstances or investment objectives, and differences in account size, the timing of transactions and market conditions prevailing at the time of investment may lead to different results. Clients may lose money. Past performance is not indicative of future results. Investments in securities involve the risk of loss. Any tax strategies discussed should not be interpreted as tax advice and do not represent in any manner that the tax consequences detailed will be obtained. Clients should consult with their personal tax advisors regarding the tax consequences of investing. Your Portfolio Summary | $9,162.86 Your Total Assets | Ways To Improve Your Portfolio | 0 Accounts with Actions | Your portfolio has no recommended actions right now. We'll watch over your investments and alert you with an email when there are actions for you to complete. Sign in to see detailed steps  | | Sign in to see your full dashboard | | 
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