Personal finance insights: Market sentiments, investment strategies & economic trends
By: Dr K C Gupta SENTIMENTSAAII Bull-Bear Spread -11.3% (low)$NYA50R, NYSE %Above 50-dMA 48.80% (negative)$SPXA50R, SP500 %Above 50-dMA 53.20% (positive)Delta MSI 50.7% (positive, barely)ICI Fund Allocations (Cumulative)OEFs & ETFs: Stocks 60.54%, Hybrids 4.24%, Bonds 17.58%, M-Mkt 17.64% INTEREST RATESCME FedWatchCycle peak 5.25-5.50%Current 4.25-4.50%FOMC 3/19/25+
Buying Treasuries – T-Bills & T-Notes
By: Dr. K C Gupta TREASURIES compete well with CDs, yet many hesitate to buy them. There are T-Bills (maturities up to 1 yr), T-Notes (1+ to 10 yrs), T-Bonds (10+ to 30 yrs), Zero-coupon (Zeros), inflation-protected TIPS, floating-rate FRNs (2 yrs; weekly
Personal finance insights: Market sentiments, investment strategies & economic trends
By: Dr K C Gupta SENTIMENTSAAII Bull-Bear Spread -9.5% (below average)$NYA50R, NYSE %Above 50-dMA 50.72% (positive, barely)$SPXA50R, SP500 %Above 50-dMA 50.60% (positive, barely)Delta MSI 50.9% (positive, barely) ICI Fund Allocations (Cumulative)OEFs & ETFs: Stocks 60.54%, Hybrids 4.24%, Bonds 17.58%, M-Mkt 17.64% INTEREST RATESCMEÂ FedWatchCycle
Fund Indexing
By: Dr K C Gupta From a shaky start in the 1970s, indexing has grown tremendously so that 48% of US funds (consisting of 21% mutual funds/OEFs & 27% ETFs) are indexed now. The meaning of indexing has also evolved. One definition considers
Personal finance insights: Market sentiments, investment strategies & economic trends
Dr K C Gupta, YBB Personal Finance SENTIMENTSAAII Bull-Bear Spread +14.0% (reversal; above average)$NYA50R, NYSE %Above 50-dMA 53.17% (positive)$SPXA50R, SP500 %Above 50-dMA 51.60% (positive)Delta MSI 48.0%% (negative)ICI Fund Allocations (Cumulative)OEFs & ETFs: Stocks 61.41%, Hybrids 4.27%, Bonds 17.40%, M-Mkt 16.92% INTEREST RATESCME FedWatchCycle
Modern Portfolio Theory (MPT)
By: Dr K C Gupta, YBB Personal FinanceMPT is the use of statistics in portfolio analysis (1950s- ). Several terms were customized for portfolio applications. Only basic math is assumed as various software tools make it all easy to use. A LINEAR REGRESSION is
Personal finance insights: Market sentiments, investment strategies & economic trends
By: Dr K C Gupta SENTIMENTS AAII Bull-Bear Spread -2.7% (below average)$NYA50R, NYSE %Above 50-dMA 27.40% (oversold)$SPXA50R, SP500 %Above 50-dMA 17.20% (oversold)Delta MSI 33.2% (negative)ICI Fund Allocations (Cumulative)OEFs & ETFs: Stocks 61.41%, Hybrids 4.27%, Bonds 17.40%, M-Mkt 16.92% INTEREST RATESCME FedWatchCycle peak 5.25-5.50%Current
Health Savings Account – HSA
By: Dr K C Gupta HEALTH SAVINGS ACCOUNTs (HSAs, 12/2003- ) are interesting alternatives to conventional employer group insurance. They have triple+ benefits: (1) Contributions are pre-tax or tax- deductible (itemized Schedule A not necessary); (2) account assets grow tax-free; (3) qualified withdrawals
Personal finance insights: Market sentiments, investment strategies & economic trends
Dr K C Gupta, YBB Personal Finance SENTIMENTS AAII Bull-Bear Spread +3.7% (below average)$NYA50R, NYSE %Above 50-dMA 29.06% (oversold)$SPXA50R, SP500 %Above 50-dMA 27.00% (oversold)Delta MSI 34.6% (negative) ICI Fund Allocations (Cumulative)OEFs & ETFs: Stocks 61.41%, Hybrids 4.27%, Bonds 17.40%, M-Mkt 16.92% INTEREST RATES
Portfolio Income & Withdrawals
Dr K C Gupta, YBB Personal FinancePORTFOLIO INCOME is important for many investors & retirees now that old defined-benefit (DB) pensions have almost disappeared. Portfolio WITHDRAWALS (decumulations) need to cover only the income-gap that is the difference between basic expenses & income from
Personal finance insights: Market sentiments, investment strategies & economic trends
By: Dr K C Gupta, YBB Personal Finance SENTIMENTS AAII Bull-Bear Spread +11.6% (above average)$NYA50R, NYSE %Above 50-dMA 50.76% (positive, barely)$SPXA50R, SP500 %Above 50-dMA 47.60% (negative)Delta MSI 60.2%% (positive, lagging) ICI Fund Allocations (Cumulative)OEFs & ETFs: Stocks 61.62%, Hybrids 4.36%, Bonds 17.84%, M-Mkt
Donor Advised Funds – DAFs
Dr K C Gupta, YBB Personal FinanceDonor Advised Funds (DAFs; 1931- ) function like your own personal charitable foundation but without the expenses & headaches of actual foundations. Many wealthy people (including billionaires) are now using DAFs exclusively, or in addition to complex
Personal finance insights: Market sentiments, investment strategies & economic trends
Dr K C Gupta, YBB Personal Finance SENTIMENTSAAII Bull-Bear Spread -1.5% (below average)$NYA50R, NYSE %Above 50-dMA 65.34% (positive)$SPXA50R, SP500 %Above 50-dMA 71.00% (overbought, barely)Delta MSI 66.4% (positive) ICI Fund Allocations (Cumulative)OEFs & ETFs: Stocks 61.62%, Hybrids 4.36%, Bonds 17.84%, M-Mkt 17.17% INTEREST RATESCME
Alternative Investments
Dr K C Gupta, YBB Personal finance ALTERNATIVES or ALTs are becoming popular – physical commodities & futures-based funds, nontraded funds, private-equity or private-credit. Things beyond the listed stocks & bonds are alts. While embraced by institutions & pension funds for years, the
Personal finance insights: Market sentiments, investment strategies & economic trends
By: Dr K C Gupta, YBB Personal Finance SENTIMENTSAAII Bull-Bear Spread +21.5% (above average)$NYA50R, NYSE %Above 50-dMA 52.13% (positive; sharp drop)$SPXA50R, SP500 %Above 50-dMA 55.00% (positive; sharp drop)Delta MSI 67.6% (positive; lagging) ICI Fund Allocations (Cumulative)OEFs & ETFs: Stocks 61.02%, Hybrids 4.40%, Bonds
Real Estate Stocks & Funds
Dr K C Gupta, YBB Personal Finance REAL ESTATE (RE) stocks & funds are highly rate-sensitive & may be considered bond proxies although they are more volatile. In RE, much of the depreciation is available for distribution, so RE has its own unique
Every rupee collected is accounted for so it doesn’t get frittered away: FM Sitharaman
The government, under Prime Minister Narendra Modi, accounts for every rupee collected so that it doesn’t get frittered away and common people benefit from the work it is doing, Union Finance Minister Nirmala Sitharaman said here on Saturday. Addressing students at an event,
Personal finance insights: Market sentiments, investment strategies & economic trends
Dr K C Gupta, YBB Personal Finance SENTIMENTSAAII Bull-Bear Spread +8.6% (above average)$NYA50R, NYSE %Above 50-dMA 45.51% (negative; sharp drop)$SPXA50R, SP500 %Above 50-dMA 49.20% (negative; sharp drop)Delta MSI 65.8% (positive; lagging) ICI Fund Allocations (Cumulative)OEFs & ETFs: Stocks 61.02%, Hybrids 4.40%, Bonds 17.85%,
Why & when to get Medicare?
Dr K C Gupta, YBB Personal Finance Many keep working until the MEDICARE health insurance kicks in & then retire. But rules are complex & serious mistakes can be made with consequences of lifelong penalties. So, pay attention to these details. The Medicare
Personal finance insights: Market sentiments, investment strategies & economic trends
By: Dr K C Gupta, YBB Personal Finance SENTIMENTS AAII Bull-Bear Spread +20.1% (above average)$NYA50R, NYSE %Above 50-dMA 73.98% (overbought)$SPXA50R, SP500 %Above 50-dMA 77.20% (overbought)Delta MSI 79.5% (overbought) ICI Fund Allocations (Cumulative)OEFs & ETFs: Stocks 61.04%, Hybrids 4.45%, Bonds 17.89%, M-Mkt 16.63% INTEREST