The Bear Market of 2020A bear market is defined as a 20% drop from a recent high in the stock market. Most major stock markets in the U.S. and around the world entered bear market ...
How to Build Your Roth Assets: Part 2We recommend building your retirement assets by contributing to three separate “buckets” of money: 1) traditional retirement accounts; 2) Roth accounts; and ...
How to Build Your Roth Assets: Part 1We recommend building your retirement assets by contributing to three separate “buckets” of money: 1) traditional retirement accounts; 2) Roth accounts; and ...
The Randomness of Asset Class ReturnsAcademic research has shown that there is little predictability in asset class performance from one year to the next. To illustrate this point, the chart bel...
How Much to SaveTwo of the most common questions people ask about retirement planning are, “How much should I save?” and “Am I on track with my accumulated savings?” These a...
Pay Yourself FirstShearwater Capital was founded in 1999. During the past 14 years, we’ve had an opportunity to observe which factors have contributed the most to our clients’...
BucketsThe main goal for most investors is to save for a comfortable retirement. While each individual’s retirement planning strategy should be tailored to their ow...
Dollar Cost AveragingHistorically, the stock market has exhibited two characteristics: its returns are volatile and the overall market trends up over long time periods. Dollar co...
