Calvert Investment Counsel http://www.calvertinvestmentcounsel.com Financial Planning Thu, 28 Dec 2017 04:12:45 +0000 en-US hourly 1 Are Your Social Security Benefits Affected By Working? http://www.calvertinvestmentcounsel.com/social-security-benefits-affected-working/ http://www.calvertinvestmentcounsel.com/social-security-benefits-affected-working/#respond Thu, 28 Dec 2017 04:12:45 +0000 http://www.calvertinvestmentcounsel.com/?p=2147 Have you thought about continuing to work and also collecting your social security in your retirement years? You should be cautious and consult an expert even if you are thinking about working part-time. The social security income may be lowered if you start to earn too much money while working. You could also wind up...
Read More

The post Are Your Social Security Benefits Affected By Working? appeared first on Calvert Investment Counsel.

]]>

Have you thought about continuing to work and also collecting your social security in your retirement years?

You should be cautious and consult an expert even if you are thinking about working part-time.

The social security income may be lowered if you start to earn too much money while working.

You could also wind up having to pay additional taxes on your social security benefits.

When you decide to retire and if you are at full retirement age, you can get 100 percent of your social security benefits.

The age is dependent upon the year in which you were born.

If you turn 62 sometime in 2018, you can then retire fully at 66 and 4 months and start to receive your social security.

If You Claim Early It Will Reduce Your Benefits

If you decide not to wait until your full retirement age you can claim your benefits early and receive less money each month.

So if you are able to wait until you reach this age or even longer, it could work out better for you.

The monthly income you receive will be reduced by a percentage that is fixed for every month you decide to claim your social security benefits before reaching your full retirement age.

Your income could be close to 1/3 less than waiting until full retirement age.

When you earn too much and also decide to claim your benefits early, the benefit amount can be additionally reduced.

The formula for this year is: If you earn over $16,920 get 1 dollar held back for every 2 dollars that are earned above the limit.

If you are at your full retirement age in the year 2017, then you can make $44,880 – then the benefits will be reduced by 1 dollar for every 3 dollars over the max limit.

This is why it is vital to consult an expert financial advisor to consider all of your options for how long you work and when you should begin collecting your benefits.

It is a good idea to weigh the risks of claiming your benefits early in your specific situation.

The Reason For A Reduced Benefit

The limits will go up a small amount in 2018.

The amount that you earn can go up to $17,040 without having your social security benefits reduced.

For those reaching the full retirement age and claiming their benefits in 2018, they can earn $45,630 and not have their benefits reduced.

Instead of spreading out the reduced amount over the entire year, your monthly benefits will be stopped until the reduction amount is reached, and then they will start to resume again.

The Social Security income will not be sent until the amount is reached, because there is no pro rating.

The remainder of the income will start to arrive every month throughout the year, and any additional money that was held back will be reimbursed to you the next year.

It will not be taken away from you, instead Social Security will add it in your benefit calculation to add to your payment when you reach full retirement age.

What Are The Income Limits When You Reach Full Retirement Age?

The income limit only pertains to you if you have not reached full retirement age and are still working.

If you have reached full retirement age, then you can work as much as you want to and not have to worry about getting reduced benefits.

The limit is for money made from working and not investment income, retirement pensions, etc…

For those that happen to be self-employed, Social Security will use your net income.

How Are Your Benefits Taxed?

If you elect to start getting benefits while you are still working, then you could have to pay additional taxes.

Many of you will not be required to pay taxes on your income, somewhere around 1/3 receiving benefits will have to pay taxes on some or all of the income they make.

Depending on how much you earn, some could have up to 85% of their benefits from Social Security taxed.

This number is figured out from your adjusted gross income.

To find out if your benefits will be taxed, take ½ of expected income with other income and tax exempt interest together.

If this number is greater than 25,000 single or 32,000 married, most likely some of your benefits will be taxable.

If 34,000 single or 44,000 married, you could be in that 85 percent benefits tax bracket.

Some of you will prefer to remain working, whether to get out of the house, because you need the income, or to supplement your benefits.

If you do decide to start receiving your benefits early make sure to speak to a professional to check how, how much you earn will affect your benefits.

If you have questions about your retirement planning or Social Security benefits strategy give us a call today at 410-435-3270.

 

 

 

Source: https://www.investopedia.com/advisor-network/articles/how-working-affects-your-social-security-benefits/?partner=YahooSA&yptr=yahoo

The post Are Your Social Security Benefits Affected By Working? appeared first on Calvert Investment Counsel.

]]>
http://www.calvertinvestmentcounsel.com/social-security-benefits-affected-working/feed/ 0
Dimensional Fund Advisors Approved Financial Advisor http://www.calvertinvestmentcounsel.com/dimensional-fund-advisors-approved-financial-advisor/ http://www.calvertinvestmentcounsel.com/dimensional-fund-advisors-approved-financial-advisor/#respond Fri, 08 Dec 2017 14:51:58 +0000 http://www.calvertinvestmentcounsel.com/?p=2143 You can invest your money in Dimensional funds only through an approved list of financial advisors. Dimensional is a worldwide investment manager committed to putting the great ideas of finance into practice. Dimensional facts: The 7th biggest United States family of mutual funds You pay 0 loads to financial advisors by Dimensional mutual funds Has...
Read More

The post Dimensional Fund Advisors Approved Financial Advisor appeared first on Calvert Investment Counsel.

]]>

You can invest your money in Dimensional funds only through an approved list of financial advisors.

Dimensional is a worldwide investment manager committed to putting the great ideas of finance into practice.

Dimensional facts:

  • The 7th biggest United States family of mutual funds
  • You pay 0 loads to financial advisors by Dimensional mutual funds
  • Has been working with financial advisors in the United States for 28 years

Our belief is that you can work closely with an advisor so that they can understand your financial goals and give you a selection of wealth management services, while also advising the proper discipline that is essential to investment success over the long term.

When you look at the financial markets differently, you spend your life differently.  We are always happy to address your investment questions and learn how expert advice can make your investment experience better.

Dimensional Fund Advisors has been interpreting financial science into easy to understand investment solutions since 1981.  Our fixed income and equity blueprints incorporate meticulous research on the prime drivers of returns with effective execution in intricate markets.

“Knowing that someone has the incentive to work for you, rather than do something else, is pretty fundamental”    – Robert Merton, Dimensional Holdings

Approved Advisor

Calvert Investment Counsel located in Hunt Valley, MD is an approved Dimensional Fund Advisor.

We are a fee-based investment advisor who has been in business since 1988.

While we do offer dimensional funds, we also work independently from them, and always recommend what we feel is best to help you meet your personal financial goals.

We draw upon extensive knowledge in:

  • Economics
  • Securities Analytics
  • Trust Admin
  • Portfolio Mgmnt.
  • Financial Planning

Give us call today at 410-435-3270 or simply click here to request a consultation on your financial goals.

The post Dimensional Fund Advisors Approved Financial Advisor appeared first on Calvert Investment Counsel.

]]>
http://www.calvertinvestmentcounsel.com/dimensional-fund-advisors-approved-financial-advisor/feed/ 0
Financial Planners Maryland http://www.calvertinvestmentcounsel.com/financial-planners-maryland/ http://www.calvertinvestmentcounsel.com/financial-planners-maryland/#respond Fri, 01 Dec 2017 19:40:19 +0000 http://www.calvertinvestmentcounsel.com/?p=2139 Are you looking for financial planners Maryland residents choose to manage their finances? You want to find someone who you can relate to and trust. After all they work for you, and have a responsibility to always work in your best interest. You also want someone who values you as their client and treats you...
Read More

The post Financial Planners Maryland appeared first on Calvert Investment Counsel.

]]>

Are you looking for financial planners Maryland residents choose to manage their finances?

You want to find someone who you can relate to and trust.

After all they work for you, and have a responsibility to always work in your best interest.

You also want someone who values you as their client and treats you with the utmost of respect.

Never be afraid to ask questions.

A good financial planner in Maryland will always take the necessary time to explain, in detail, all of your options.

This will enable you to make an informed intelligent decision for your future.

Financial Planner in Maryland

Calvert Investment Counsel

  • Fee-only financial planning in the Maryland Mid Atlantic Region.
  • A DFA (Dimensional Fund Advisors) approved advisor.
  • We can accommodate virtual meetings if you spend time in a 2nd location (such as living in the south for the winter).

We work with individuals and families of all ages who are ready to make a difference in their financial lives.

You can think of us like a coach for your finances.

Many of our clients work in professional fields.  We have extensive experience with the unique financial planning requirements that professionals often encounter.

Being smart and successful doesn’t always translate into having good money management skills.

We can help you balance your retirement planning with things such as student loan debt and other financial priorities.

Fully Integrated Financial Plan

Many of our clients have current relationships with other advisors such accountants, lawyers, estate planners, etc…

We are happy to work with these other professionals to incorporate all aspects into your overall financial plan.

Many people no matter how wealthy they are can experience financial related stress/worries.

Our main goal with financial planning is to help eliminate the stress and worrying, so that you can feel confident with your financial present and future.

With some proper planning up front, you can rest assured that you are on the right path to financial freedom.  Then if you have a life changing event happen or coming up, you can revisit your plan at that time to make any necessary adjustments.

To find out more give us a call today at 410-435-3270 or click here to schedule your no obligation introductory call with us.

The post Financial Planners Maryland appeared first on Calvert Investment Counsel.

]]>
http://www.calvertinvestmentcounsel.com/financial-planners-maryland/feed/ 0
How To Choose A Financial Advisor http://www.calvertinvestmentcounsel.com/choose-financial-advisor/ http://www.calvertinvestmentcounsel.com/choose-financial-advisor/#respond Tue, 31 Oct 2017 14:46:20 +0000 http://www.calvertinvestmentcounsel.com/?p=2132 Financial advisors help guide clients in the matters of: Saving Investing Growing Their Wealth They can also help you to achieve more specific financial goals, such as: Buying a house Paying for your children’s college Retiring comfortably Charitable Contributions Some financial advisors choose to specialize in certain areas such as retirement planning or estate planning. ...
Read More

The post How To Choose A Financial Advisor appeared first on Calvert Investment Counsel.

]]>

Financial advisors help guide clients in the matters of:

  • Saving
  • Investing
  • Growing Their Wealth

They can also help you to achieve more specific financial goals, such as:

  • Buying a house
  • Paying for your children’s college
  • Retiring comfortably
  • Charitable Contributions

Some financial advisors choose to specialize in certain areas such as retirement planning or estate planning.  While some other advisors choose to provide consultation on a wider range of matters.

Financial advisors are not stockbrokers, who the market players call on to trade stocks.  They are also not accountants or insurance agents.  Although a good, qualified financial advisors will be able to work with other qualified professionals in areas such as tax, insurance and estate planning to help integrate them into your overall plan.

There are many financial advisors, but very few experts.  A lot of people can pass a test to be able to put some letters after their name, but do they have the “real world” experience, expertise and track record to help you achieve your financial goals.

Typically, financial advisors either charge commissions or a flat rate for their services.  Commissions are made whenever you purchase or sell a stock or investment.  This may not provide the most unbiased advice that you can get.

Chad Richards in his article “The 1 Page Financial Plan 10 Tips For Getting What You Want From Life” says “Hire a real financial advisor. 

Richards says it’s difficult to be unemotional about your own money. That’s the real purpose of having an advisor.

“You don’t hire a financial adviser because you’re not smart enough to do this yourself,” says Richards. “You hire one because they’re not you.” He or she will help get between you and any potential mistakes you may make, even if you were to be in danger of making financial blunders every five or ten years.

When looking for an advisor, choose one who is giving you advice, not selling you something, and who is open about conflicts of interest.”

If you would like a financial advisor that will give you sound advice without trying to sell you something, and at the same time open about any conflicts of interest…choose a “fee only” financial advisor.

They only make money when you pay them a fee for their advice.  You may pay them a flat fee or an annual fee that is a percentage of your assets they’re managing for you.

Forbes says “Feeonly financial planners are registered investment advisors with a fiduciary responsibility to act in their clients’ best interest. They do not accept any fees or compensation based on product sales. Fee-only advisors have fewer inherent conflicts of interest, and they generally provide more comprehensive advice.”

The Wall Street Journal says “Consider the planner’s pay structure. A planner who earns money based on commission could have an incentive to steer you in a particular direction.”

You want a financial advisor that will focus on your main financial goals with your best interest in mind.

Here’s Your Next Step

If you would like to use a fee only financial advisor to help you manage your portfolio and achieve your goals, give us a call today at 410-435-3270 or simply click here to request a consultation online.

We will help you make an informed intelligent decision on what is best for you and your family.

The post How To Choose A Financial Advisor appeared first on Calvert Investment Counsel.

]]>
http://www.calvertinvestmentcounsel.com/choose-financial-advisor/feed/ 0
Dimensional Fund Advisors http://www.calvertinvestmentcounsel.com/dimensional-fund-advisors/ http://www.calvertinvestmentcounsel.com/dimensional-fund-advisors/#respond Sat, 30 Sep 2017 20:38:20 +0000 http://www.calvertinvestmentcounsel.com/?p=2126 Dimensional Fund Advisors (DFA) only allows access to its funds through an approved group of fee only financial advisors. Calvert Investment Counsel happens to be one of those firms. We understand their structured approach to investing, and the benefits that it brings to our clients. Dimensional Fund Advisors offers low-cost institutional mutual funds. Dimensional Fund...
Read More

The post Dimensional Fund Advisors appeared first on Calvert Investment Counsel.

]]>

Dimensional Fund Advisors (DFA) only allows access to its funds through an approved group of fee only financial advisors.

Calvert Investment Counsel happens to be one of those firms.

We understand their structured approach to investing, and the benefits that it brings to our clients.

Dimensional Fund Advisors offers low-cost institutional mutual funds.

Dimensional Fund Advisors’ History & Approach

Founded in 1981, DFA was created to apply academic theory to the real world of portfolio management.

Its approach is rooted in the belief that markets are “efficient” and investors’ returns are mainly determined by asset allocation decisions – not dependent upon the elusive goals of superior stock selection or market timing that frequently prove to be the downfall of other advisors.

At DFA, no economists forecast business cycles or interest rates; no investment strategists shift allocations between stocks and bonds; and no analysts search out “undiscovered” stocks.

Instead, DFA permits advisors to structure highly diversified, global portfolios that ass value more effectively than do both actively managed funds and traditional index strategies.

DFA uses financial science to engineer structured portfolios designed to capture the return behavior of an entire asset class.

Each of DFA’s equity mutual funds invests in a specific stock sub-class differentiated on the basis of size and global positioning.

DFA then creates separate portfolios across nearly every level of capitalization with a distinct, value-style overlay by focusing primarily on securities with lower price/book value ratios.

Calvert Investment Counsel

By blending these various funds, Calvert is able to develop highly diversified, individualized investment programs which emphasize those factors that DFA’s research considers critical to obtaining above-average long term returns.

Calvert adheres to a set of core investment principles that imbue our daily work and guide our advice to clients.

At the heart of those principles is the recognition that our work has one aim: Satisfy the client’s lifestyle and estate objectives with high probability and minimum sacrifice at an acceptable level of risk.

To accomplish our aims, Calvert professionals work within the scope of the client’s plan to allocate assets across a comprehensive investment platform which includes global equities, fixed-income products, and carefully selected alternative investments.

We seek broad diversification across all of the asset classes in pursuit of satisfactory, long-term returns that will achieve client goals.

Here’s What To Do Now

If you would like to speak with a Calvert Investment Counsel representative about your financial plan, give us a call at 410-435-3270 or click here to place your request online.

The post Dimensional Fund Advisors appeared first on Calvert Investment Counsel.

]]>
http://www.calvertinvestmentcounsel.com/dimensional-fund-advisors/feed/ 0
Top Five Financial Retirement Tips For Maryland Residents http://www.calvertinvestmentcounsel.com/top-five-financial-retirement-tips-maryland-residents/ http://www.calvertinvestmentcounsel.com/top-five-financial-retirement-tips-maryland-residents/#respond Wed, 27 Sep 2017 14:17:44 +0000 http://www.calvertinvestmentcounsel.com/?p=2118 Here is a list of the top five financial retirement tips for Maryland residents, who want to make sure they are being proactive in meeting their retirement goals. Have a yearly checkup It is a good idea to take an overall look at what is going on. You should: Check where your money is invested....
Read More

The post Top Five Financial Retirement Tips For Maryland Residents appeared first on Calvert Investment Counsel.

]]>

Here is a list of the top five financial retirement tips for Maryland residents, who want to make sure they are being proactive in meeting their retirement goals.

  1. Have a yearly checkup

It is a good idea to take an overall look at what is going on.

You should:

  • Check where your money is invested.
  • Review the performance.
  • Make sure you are on track to accumulate enough money to cover your expenses and do the things that you want to in retirement.
  1. Make sure to learn the rules or have a trusted advisor that knows them

The financing rules in retirement can be confusing, but you do not have to be a genius to understand them.   Take some time to do a little bit of research or hire an experienced advisor to help you.

Some of them are:

  • Roth IRA
  • Traditional IRA
  • Tax Deductible Contributions
  • Tax Free Withdrawals
  • Social Security
  1. Have cash reserves

Being retired and 100% invested can be a bad idea.

You always want to have a buffer in case of emergencies.  You always want to protect yourself against a bear market.  This way you will be able to meet your expenses and not have to liquidate your investments at a down time in the market.

You can make sure that you have some of your money in lower risk category investments to ensure that you will always have enough cash if you happen to need it.

  1. Account Beneficiaries

You want to make sure that you fill in the account beneficiaries, otherwise your family could have to spend a long time in probate court.  You may want to set aside some time to go through your documents to make sure your accounts have named beneficiaries.  You want to make sure they are clearly defined as an attorney’s letter may not be enough.

Such as:

  • 401K
  • Life Insurance
  • IRAs
  1. Pay Down Your Debts

Without debt in your life it is much easier to save for your retirement.  Especially student debt.  Studies have shown that workers with outstanding debt contribute less of their salaries to retirement savings.

Try your best to pay down any debt, such as credit cards, high interest rate loans, and student debt.  It’s not just kids a few years out of college with student debt, as gen. X and baby boomers still have student loan payments.

Here’s What To Do Now

If you would like some assistance in reviewing your current finances, contact us today for a complimentary review.  Call 410-435-3270 or simply click here to request online.

We will help you uncover your main goals and make sure that you will be on track to accumulate enough wealth to meet those goals so that you can live care free in your retirement years.

The post Top Five Financial Retirement Tips For Maryland Residents appeared first on Calvert Investment Counsel.

]]>
http://www.calvertinvestmentcounsel.com/top-five-financial-retirement-tips-maryland-residents/feed/ 0
Calvert Investment Counsel Wealth Management – Hunt Valley, MD http://www.calvertinvestmentcounsel.com/calvert-investment-counsel-wealth-management-hunt-valley-md/ http://www.calvertinvestmentcounsel.com/calvert-investment-counsel-wealth-management-hunt-valley-md/#respond Fri, 22 Sep 2017 18:14:25 +0000 http://www.calvertinvestmentcounsel.com/?p=2111 You want a wealth management firm who not only looks out for your best interest, ahead of their own – but one that communicates effectively with you on a personal level. You want to feel secure that you know you have a financial plan in place.  One that provides the best path to achieve your...
Read More

The post Calvert Investment Counsel Wealth Management – Hunt Valley, MD appeared first on Calvert Investment Counsel.

]]>

You want a wealth management firm who not only looks out for your best interest, ahead of their own – but one that communicates effectively with you on a personal level.

You want to feel secure that you know you have a financial plan in place.  One that provides the best path to achieve your goals for you and your family.

Addressing Your Financial Voyage

“No wind serves him who addresses his voyage to no certain port.”
– Michael de Montiagne, French philosopher/writer, 1533-1592

Acquiring and managing wealth is a voyage of years, decades, and whole lifetimes.  Properly pursued, it is a voyage with a destination – a port – and it is a voyage requiring professional hands on the wheel to capitalize on favorable winds and minimize the threats of stormy seas.

Wealth Management and investment counseling is the sole work of Calvert Investment Counsel.  This is our story.

Expertise, resources, partnerships: The distinguishing difference

Individuals and families focused on creating and preserving wealth have successfully partnered with Calvert Investment Counsel for two decades.  But neither past experience nor longevity is a sound enough reason alone to enlist the services of a wealth management and investment advisory firm.

What should count are the firm’s professional competence, broad resources, and ability to partner with clients in developing financial plans and tackling challenges to meet clients’ life goals.  Based on those criteria, Calvert certainly has earned the confidence of its clients, accounting for a remarkable loyal clientele based in Maryland.

These hallmarks of Calvert’s plan-based approach to wealth management and the firm’s distinctive investment philosophy include a firm commitment to client communications.  Simply put, Calvert delivers and Calvert communicates.

Calvert Investment Counsel Snapshot:

  • Founded in 1988
  • Inpedendent (unaffiliated with any broker-dealer or financial institution, thus ensuring objective advice)
  • Fee-only registered investment advisor
  • Staff professional with 100+ years of investment experience
  • Core services
    • Financial and retirement planning
    • Investment management
    • Estate planning and trust services

Here’s The Next Step In Your Voyage

The team at Calvert Investment Counsel looks forward to discussing your life goals to learn how we might work for you and your family via a comprehensive, custom financial plan and a distinctive investment proves that treats all aspects of your financial and retirement concerns.

You are on a voyage, and it would be a privilege for us to help you reach port.  For a no-obligation conversation and review of your financial goals and current investments, please contact us in the way that’s most convenient for you:

Phone: 410-435-3270
Online: click here

We are located in Hunt Valley, Maryland

The post Calvert Investment Counsel Wealth Management – Hunt Valley, MD appeared first on Calvert Investment Counsel.

]]>
http://www.calvertinvestmentcounsel.com/calvert-investment-counsel-wealth-management-hunt-valley-md/feed/ 0
Why Should You Invest Internationally? http://www.calvertinvestmentcounsel.com/why-should-you-invest-internationally/ http://www.calvertinvestmentcounsel.com/why-should-you-invest-internationally/#respond Thu, 31 Aug 2017 14:35:02 +0000 http://www.calvertinvestmentcounsel.com/?p=2108 Half of the opportunity today exists outside of the United States. What I mean by that is if you’re thinking about the kinds of companies you can invest in… …half of the market value of investable companies exists inside the United States, about half of it exists outside of the United States. So thinking about...
Read More

The post Why Should You Invest Internationally? appeared first on Calvert Investment Counsel.

]]>

Half of the opportunity today exists outside of the United States.

What I mean by that is if you’re thinking about the kinds of companies you can invest in…

…half of the market value of investable companies exists inside the United States, about half of it exists outside of the United States.

So thinking about that, if half of the opportunity for investment exists outside the United States…

…what opportunities am I potentially leaving on the table by ignoring 50% of the opportunity.

The reason you would want to invest in international stocks, is just to get a bigger set of securities to diversify across.

Plus there is different return series between different countries and different currencies, all of those things can add to diversification.

Our clients own 13,000 companies diversified around the globe.  There is going to be certain times when the U.S. markets do better than those international markets…

…and there is going to be other years where those international markets “save our bacon.”

“From 1973-2015, the S&P 500 performed better than a globally diversified index portfolio on an annual basis 17 times…

…it performed worse 26 times.”

I think a lot people, recently, because of problems in China and Greece, and the volatility of those markets…

…the U.S. has done much better over the past few years, however there are periods of time where international stocks also outperform for long periods, and by a large amount.

When you go back just to the decade of the 2,000’s international did very well.

Owning international stocks is very important because it’s a global marketplace, and you want to hook your wagon to this global capitalist system.

You’re going to need to own stocks from all of these different companies.

Historically there has been a wide variety of returns from U.S. and international stocks and when one does poorly, often times another does well, etc…

If you ignore international investments, and confine your portfolio to things you’re familiar with, what’s called the S&P 500 (large U.S. Stocks)…

…then you are taking more risks, in all likelihood, and missing investment opportunities in addition to that.

Here’s Your Next Step…

If you would like to discuss investing in international stocks and diversifying your portfolio, give us a call today at 410-435-3270 or simply click here to place your request online.

The post Why Should You Invest Internationally? appeared first on Calvert Investment Counsel.

]]>
http://www.calvertinvestmentcounsel.com/why-should-you-invest-internationally/feed/ 0
Handling The Ups And Downs In The Market http://www.calvertinvestmentcounsel.com/handling-ups-downs-market/ http://www.calvertinvestmentcounsel.com/handling-ups-downs-market/#respond Fri, 25 Aug 2017 13:55:55 +0000 http://www.calvertinvestmentcounsel.com/?p=2103 In the video above, Dimensional Fund Advisor experts describe how to handle the ups and downs in the market. Maintaining a well diversified financial portfolio in which you allocate accordingly to your risk tolerance, overall investment goals, and time line is the key to handling market volatility. At Calvert Investment Counsel we help guide you...
Read More

The post Handling The Ups And Downs In The Market appeared first on Calvert Investment Counsel.

]]>

In the video above, Dimensional Fund Advisor experts describe how to handle the ups and downs in the market.

Maintaining a well diversified financial portfolio in which you allocate accordingly to your risk tolerance, overall investment goals, and time line is the key to handling market volatility.

At Calvert Investment Counsel we help guide you through the process by providing you with a successful investment experience.

It means additional things besides just considering investment returns.  We offer peace of mind so that you know a transparent strategy supported by decades of research is powering every decision.

Financial markets go through periods of ups and downs.  Our main goal is to assist people in being prepared, so that they can stick with their plan.

The overall client experience is why we started doing what we do, and will continue to be why we do it long into the future.

Here’s Your Next Step…

If you are interested in a long term passive investing approach supported by decades of research, give us a call today at 410-435-3270 or click here to request your consultation online.

The post Handling The Ups And Downs In The Market appeared first on Calvert Investment Counsel.

]]>
http://www.calvertinvestmentcounsel.com/handling-ups-downs-market/feed/ 0
Is Now A Good Time To Be In The Market For Maryland Residents? http://www.calvertinvestmentcounsel.com/now-good-time-market-maryland-residents/ http://www.calvertinvestmentcounsel.com/now-good-time-market-maryland-residents/#respond Wed, 23 Aug 2017 14:28:05 +0000 http://www.calvertinvestmentcounsel.com/?p=2099 It is always a good time to be in the market. Whether or not you are in the market has nothing to do with what’s happening today… …it has everything to do with your timing: What are your goals? What are you trying to achieve? Depending on what your goals are (and this have to...
Read More

The post Is Now A Good Time To Be In The Market For Maryland Residents? appeared first on Calvert Investment Counsel.

]]>

It is always a good time to be in the market.

Whether or not you are in the market has nothing to do with what’s happening today…

…it has everything to do with your timing:

  • What are your goals?
  • What are you trying to achieve?

Depending on what your goals are (and this have to be applied to each individual situation) the rate of return you require is likely to be dependent on taking some risk…

…and if you’re going to take risk in investments, that likely means being exposed to the stock market.

We think people who participate in markets over time, get a reasonable return for their investment, if they participate intelligently and bravely.

Sometimes it takes a little courage to participate, through thick and thin, but over long periods of time people can be rewarded.

One of the foundations of building a successful portfolio for you is our foundational belief that markets are efficient…

…that if you want reward, you are going to have to take some risk.

If you look at some of the best days in the market, they came very soon after some of the biggest down days…

…and if you go to cash, and miss those up days the compounding effect on your long term return is very big.

Academic evidence is very clear that it is impossible to time, when to get in, and when to get out of the market.

So, the biggest question I would ask is “What’s the risk of not being in the market?” not “What’s the risk of being in the market?”

I’ll tell you that I am a short term agnostic and a long term optimist, when it comes to the performance of the markets…

…and what I mean by that is, in the short term, not only do I not know what’s going to happen next, I don’t think that knowledge reliably exists anywhere to say “This is what’s going to happen next”…

…but because of what I think about markets being resilient in the long term, then I’m optimistic that business owners will find ways to run profitable companies, they’ll need capital…

…in order to attract capital they’ll have to return that capital they they’re attracting.

So I’m very much of a long-term optimist with markets, even though in the short-term I have to say I’m an agnostic.

Here’s Your Next Step

If you live in Maryland and would like to discuss your risk of not being in the market, give us a call today at 410-435-3270 or simply click here to schedule your strategy call online.

We will help you uncover your goals and what you are trying to achieve, so that we can help you put together a comprehensive plan to meet those goals.

The post Is Now A Good Time To Be In The Market For Maryland Residents? appeared first on Calvert Investment Counsel.

]]>
http://www.calvertinvestmentcounsel.com/now-good-time-market-maryland-residents/feed/ 0