Student Debt withLogo - How to fix the student loan crisis NOW!!  Let’s get creative. Need Action TODAY

How to fix the student loan crisis NOW!! Let’s get creative. Need Action TODAY

VanceWealth Market Commentary, Political Commentary

Stats/Facts: Total Student Loan Debt: $1.56 trillion Total U.S. Borrowers With Student Loan Debt: 44.7 million Average Student Loan Debt: $32,731 Average Student Loan Payment: $393 (Source: As of 3Q 2019, Federal Reserve & New York Federal Reserve)   How to solve this: Step 1:   Issue $1.5 trillion in 30 year treasury bonds at 1.75% (as 3/19) Step 2:   Refinance all debt at 2.5% over 29 years & delay current payments until 4/1/2021   Results: US government earns 0.75% spread = $11.250 …

061218 Vance Wealth Marketing Day 2 SchlickArt 6627SRGBlowres 1016x678 - JOHN VANCE NAMED TO FORBES’ LIST OF BEST-IN-STATE WEALTH ADVISORS

JOHN VANCE NAMED TO FORBES’ LIST OF BEST-IN-STATE WEALTH ADVISORS

Shanele Stoll Business Owner, Market Commentary, Market Update, Team Update

SANTA CLARITA, CA – John Vance Founder and President of Vance Wealth located at 26491 Summit Circle, was among the Raymond James-affiliated advisors named to the Forbes list of Best-In-State Wealth Advisors. The list, which recognizes advisors from national, regional and independent firms, was released online January, 16, 2020.   The Forbes ranking of Best-In-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative …

061218 Vance Wealth Marketing Day 2 SchlickArt 6810SRGBlowres 1016x677 - Coronavirus, DOW Drops 3,600 points in the last 2 weeks - “What the heck do we do, John?” My thoughts ….

Coronavirus, DOW Drops 3,600 points in the last 2 weeks – “What the heck do we do, John?” My thoughts ….

VanceWealth Market Commentary, Market Update

Likely, you have been consuming too much news lately, so I wanted to provide you with my thoughts. So, here we go:   No doubt, a significant drop (like 3,600 points in the DOW) is unsettling, and the media LOVES the headlines – Fear sells. The stock market has been pretty “overbought” and ready for “something” to interrupt the run. Input has been consistent that the fundamentals of the economy remain strong (low unemployment, solid balance sheets, etc.), and this …

061218 Vance Wealth Marketing Day 2 SchlickArt 7182SRGBlowres 1016x813 - 2020 Q1 Investment Update

2020 Q1 Investment Update

VanceWealth Market Commentary, Market Update

Economists called for a recession in 2019; the market didn’t answer. We came off a record-setting year where we saw the most significant market gains since 2013. In a year where many called for a recession (not us), we would say that is pretty good. Now those same individuals say it will happen in 2020 or 2021. Well, even a broken clock is right twice a day. Looking ahead, we can’t predict what 2020 will bring in terms of economies, …

JV full shot 1016x1524 - Time in the market versus timing the market

Time in the market versus timing the market

VanceWealth Market Commentary, Market Update

I had a few thoughts this week after meeting with my Investment Committee and other top economists that I wanted to share, as a quick reminder before we encounter the next wave of market ups and downs: 1.Volatility isn’t going away, and that means the risk of more market sell-offs.  But for stock investors, the answer isn’t trying to guess when to get in and out of the market. 2. “Time in the market versus timing the market” has proven to be a …

featured 1016x762 - 2019 Mid – Year Investment Update

2019 Mid – Year Investment Update

VanceWealth Market Commentary, Political Commentary, Tax Issues

Greetings, Even though accounts are positive year-to-date after a swift recovery from the Q4 2018 volatility, most people do not realize that the S&P 500 has been essentially flat since the market peaked back on January 26, 2018 (S&P 500: 2,872) over 18 months ago. The S&P 500 closed August 12th at 2,883, only +0.38% above the January 26th market peak. Once again, there has been a lot of market volatility with not much to show for it. Here is …

Cover John Jerrod 1016x813 - 2019 Mid-Year Investment Update – “For the Record”

2019 Mid-Year Investment Update – “For the Record”

VanceWealth Market Commentary, Market Update

As we conclude Quarter 2 and look forward to the remainder of 2019, the S&P 500 just posted its best first half market performance in 22 years. This comes on the heels of an extremely volatile Q4 2018 due to slowing global growth concerns, trade issues and tariff talks, and a flat/inverted yield curve that is driving concern of an upcoming recession. On Wednesday, July 10th, the S&P 500 crossed the 3,000 level for the first time in history. Even …

061218 Vance Wealth Marketing Day 2 SchlickArt 6627SRGBlowres 1016x678 - Is now a good time to invest?

Is now a good time to invest?

jerrodferguson Market Commentary, Retirement, Tax Issues

Q: Is now a good time to invest?   Jerrod Ferguson: “The answer to this question always depends on one thing: When will you need to use the money? Once we know your time horizon and long term financial goals, we can determine how much risk you should take on those investments. If you’re going to be using the money for a very long-term goal like retirement, then yes, it’s likely a good time invest. If you need to spend …

Investment Update – Quarter 1

jerrodferguson Market Commentary

The end of 2017 brings to a close one of the best years for global equity markets in nearly a decade. I like to think of 2017 similar to the climb to the top of a rollercoaster. People were excited, it was a slow and steady climb, and there wasn’t much in the way of surprises. Every month, your account value seemed to be higher from the previous month. It was a banner year in terms of market returns. Here …

061218 Vance Wealth Marketing Day 2 SchlickArt 6627SRGBlowres 1016x678 - Market Update-Q4, The Final Stretch

Market Update-Q4, The Final Stretch

jerrodferguson Market Commentary

The third quarter has come to an end and the holiday season is quickly approaching. Markets have continued to impress year-to-date and according to Raymond James Chief Investment Strategist, Jeff Saut, “Evidence suggests investors are witnessing the biggest bull market on record1.” Here is a recap of where various market indexes have performed through September, 2017: S&P 500 +12.53%, Dow Jones Industrial Average: +13.37%, NASDAQ: +20.86%, MSCI EAFE: +17.21%, Russell 2000: +9.85%, Barclay’s Aggregate Bond: +3.15%.   Why are Things …