Wealth Management Blog

Mind the Gap: Why Women in Sioux City Need to Save More for Retirement Than Men

Posted by Wealth Management Team on Aug 25, 2016 10:14:46 AM

Mind the Gap: Why Women in Sioux City Need to Save More for Retirement Than Men

Say what you want about Mars and Venus, men and women live on different planets when it comes to retirement planning environments. Given the disparities in lifespan and earning potential, women have to approach retirement in a slightly different way to close the gaps and mitigate their differences with thoughtful planning. And the Wealth Management team at Security National Bank is here to help.  

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Topics: Retirement

Investment Basics: Asset Allocation - It’s Personal!

Posted by Colin OShea on Aug 22, 2016 10:27:44 AM

Asset Allocation - It’s Personal!

What’s your ideal mix of investments? Choosing the “right” asset allocation1 — the percentage of your portfolio you invest in each asset class — can have a big impact on your ability to reach your financial goals.

The right mix of stocks, bonds, and cash won’t be the same for every investor. The mix that’s right for you will depend on your investing objectives, time horizon, and risk tolerance.

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Topics: Asset Allocation

The U.S. Consumer is Still Intact

Posted by Krista Biernbaum on Aug 22, 2016 10:01:40 AM

The U.S. Consumer is Still Intact 

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Topics: U.S. Economy, Consumer Spending

5 Steps Every Woman Should Take Toward Retirement

Posted by Wealth Management Team on Aug 18, 2016 1:23:41 PM

5 Steps Every Woman Should Take Toward Retirement

There’s no question that men and women have historically approached life in different ways, and retirement is no different. Statistically speaking, women are more focused on the current moment—meeting their family’s immediate needs, putting other people first, paying the most recent bill, putting out the hottest metaphorical fire—than they are about their own long-term futures.

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Topics: Retirement, Retirement Planning

Investment Basics: Scare Off Those Excuses for Not Investing

Posted by Wealth Management Team on Aug 15, 2016 10:53:26 AM

Investment Basics: Scare Off Those Excuses for Not Investing

Remember that eerie house in your neighborhood that spooked you and your friends every Halloween night? You know the one — big and dark and set far back from the road, with a fierce-looking jack-o-lantern on the sagging porch. You probably spent a lot of time daring and double-daring each other to run up the drive and ring the bell. But, in the end, you were content to make excuses to stay away.

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Topics: Investing

Job Market Growth: Slow and Steady

Posted by Michael List on Aug 15, 2016 9:34:55 AM

Job Market Growth: Slow and Steady

Job reports in recent months have indicated an improving labor market, particularly after the very poor payroll report in May.  The most watched indicator is the monthly Employment Situation Report, issued by the U.S. Bureau of Labor Statistics (BLS), which reports changes in nonfarm payroll employment and the unemployment rate.  Analyst expectations significantly missed the mark in May when the BLS reported nonfarm payrolls only rose 24,000.  However, both June and July, surprised on the upside when nonfarm payroll rose 292,000 and 255,000, respectively. 

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Topics: Job Market

Real Estate - Gold Medal Performance

Posted by Tom Limoges on Aug 8, 2016 11:48:20 AM

Real Estate - Gold Medal Performance

Last Friday’s opening ceremony marked the official start to the 2016 Summer Olympics in Rio.  That day also marked another important milestone here in the U.S. – record market highs.  Despite the market volatility experienced in the first half of this year, the S&P 500 and tech heavy Nasdaq Composite Index both reached new record highs as of last Friday’s close.  One particular area of the market has received a gold medal for performance this year, but isn’t officially considered a sector of the market, yet….

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Topics: market volatility, Real Estate

Investment Basics: The Scoop on Stocks

Posted by Wealth Management Team on Aug 8, 2016 10:29:10 AM

The Scoop on Stocks

Like the neighborhood ice cream shop that offers a variety of flavors, your retirement plan may offer a choice of stock funds or portfolios. While the funds all invest in stocks, each fund is different. You should consider your choices carefully before making any investing decisions. Here’s the scoop on the various types of stocks.

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Topics: Investment Basics, Stocks

Portfolio Risk: Understanding the Upside/Downside Capture Ratio

Posted by Don Yusten on Aug 1, 2016 10:58:50 AM

Portfolio Risk: Understanding the Upside/Downside Capture Ratio

During a conference call with PIMCO last week several comments were made about the upside / downside capture ratio of one of the portfolios they were discussing. The upside/downside capture ratio was rarely heard about prior to the last recession. As markets become more volatile, looking at a portfolios downside capture ratio has taken on greater significance. The downside capture ratio is a comparison of how far an investment has fallen relative to its index during downturns and is one way to evaluate a portfolio’s riskiness.

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Topics: Risk Managment, Downside Capture Ratio

Investment Basics: What Your Children Should Know About Your Finances

Posted by Wealth Management Team on Aug 1, 2016 8:56:29 AM

Investment Basics: What Your Children Should Know About Your Finances

Talking to adult children about your personal finances and estate strategy may not be easy, but it is important. You don’t have to disclose exact facts and figures. But generally discussing your finances with your grown children and introducing them to your financial professional can better prepare the whole family for the future.

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Topics: Financial Planning, Estate Planning, Trust Assets