Category: Investing

Financial Advisor Tim Hayes

Advice Tailored to Your Unique Financial Needs

2021 Outlook for Stocks and Bonds

My prediction is that it will be more difficult for both U.S. stocks and bonds to go up in the coming years. Either the economy will recover and push interest rates higher and bond prices lower or we will experience a double-dip recession with falling stock prices.

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Investing In International Stocks and Bonds

According to a 2014 study by Vanguard, the average investor’s portfolio contains 27% foreign stocks.[i] If the foreign stock percentage seems high, remember that the U.S. holds only half of the world’s total stock market value. This means that 50% of the world’s stock market value resides outside of the U.S.

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Risk Tolerance Assessment

Psychologist Daniel Kahneman won the 2002 Nobel Prize in Economics for bringing to light that people hate to lose money more than they like to make money. Aversion to loss is one of the reasons I ask you to measure your risk profile online at FinaMetrica.

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Financial Advisor Tim Hayes

Financial Advisor Tim Hayes

No Cookie-Cutter Solutions

As an independent financial advisor, I have access to many financial products, including mutual funds, ETFs, stocks, bonds, annuities, and life insurance programs. I use these and other products to build custom solutions for people according to their individual needs and goals.