Sometimes we can feel lost when faced with uncertainty. How can we know whether a decision we’re about to make will benefit us if we don’t know what the future holds? But with the right frame of mind, uncertainty itself can help provide clarity for our decision making. For example—right now, we’re continuing to see a wide variety of...
The U.S. political landscape has become more polarized than ever before. In fact, a study of developed democracies around the world found that the political polarization trend in the U.S. is more dramatic than in any other country in the study. In the months prior to the 2020 election, the overwhelming majority of both Biden and Trump...
Recently, I read an article discussing how private investors and central banks in Asian markets are now driving the price of gold. This is probably a surprise to most of us in the United States. In fact, China and India alone account for half of world demand for gold, while U.S. investors represent less than 10% of the market. These...
Some financial changes are expected and even planned for, like getting married or sending kids to college. But numerous outside forces can also unexpectedly impact a person’s financial situation. That’s why periodically rebalancing your portfolio is often recommended by financial advisors. Rebalancing your portfolio gives you the...
I’m a big believer that in every supposedly negative situation, we can find opportunities to seize. For example, during the recession caused by the COVID-19 pandemic, economic growth slowed, but according to the Federal Reserve Bank of San Francisco, “Households rapidly accumulated unprecedented levels of excess savings,” which it...
AUSTIN, Texas, Aug. 22, 2023 /PRNewswire/ -- On August 30, 2023, U.S. Money Reserve will present "Rock-Solid Retirement: 3 Easy Steps to Success," a free webinar and live chat hosted by retirement expert Brad Chastain, former manager of retirement education at Vanguard and current Director of Education for U.S. Money Reserve. A 2023...
On August 14, 2023, BlackRock, the world’s largest asset manager, released a two-part blog titled “No take-off, no landing—a tale of two unprecedented shocks.” In it, writers Jean Boivin and Alex Brazier, head and deputy head of the BlackRock Investment Institute, respectively, discuss how the United States may be headed for another...
Debt doesn’t have to be bad. Loans allow many Americans to own homes, drive their own vehicles to work, and achieve higher levels of education. But how much debt is too much? According to information released on July 26, 2023, by the St. Louis Federal Reserve, consumer credit card and other revolving debt has risen to an astonishing $1...
“When is the right time to buy gold?” As America’s Gold Authority®, we at U.S. Money Reserve hear this question a lot. But the short and simple answer is that it can always be a good time to buy physical gold depending on your current financial situation and goals. This is because gold is recognized by many as a hedge against market...
Portfolio diversification is a personal financial strategy based on the idea that diverse holdings help bring balance and stability to a portfolio. Think of a diversified portfolio like a store that sells both sunglasses and umbrellas. On sunny days, it sells sunglasses. On stormy days, it sells umbrellas. “By selling both items—in...
When building a well-diversified portfolio, you can find it beneficial to keep an ear to the ground and an eye on financial headlines. Knowing what may be coming our way—good, bad, or indifferent—creates opportunities for us to reexamine our asset mix and make any adjustments that could support a healthier financial outlook and, perhaps...
Asset allocation is an essential component of portfolio diversification that helps mitigate risk and protect wealth. But what all does asset allocation involve? Is it something an individual can manage on their own, or is a financial planner needed? If you already have a portfolio or are putting together a financial plan and want to...
