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Many individual investors try to manage their own finances in order to save some money while others simply enjoy managing their own investments. In this age of real-time news, discount brokerage, index ETF and robo-advisor, it is easy to invest by yourself. However, the outcome is not always optimal. Studies have shown that the track…

Don’t take it too personally If you invest in stocks or have a retirement plan, you are very likely to have lost some money this year at least on paper. These losses in the market feel painful, but they are almost inevitable. Remind yourself that you are not alone as many others are also suffering…

Transitions in the economic growth have a major impact on the prices of asset classes. Although every economic cycle is different, our historical analysis suggests that the rhythm of cyclical fluctuations in the economy has tended to follow similar patterns. The idealized pattern of economic growth cycle can be broken down into four distinctive phases…

If you’ve recently been laid off, you’re probably concerned about the tax implications of your severance pay. You don’t need to feel overwhelmed or intimidated by the process. Severance pay is taxable in the year that you receive it. So, if you’re receiving three-months’ worth of pay, you’ll need to factor in taxes to that…

The coronavirus pandemic has turned our world upside down in the past few months.  We have entered a new normal where many of our social and work activities have shifted online. We feel fortunate that global technology has developed rapidly in recent years so the world can continue its basic function under the current social…