5 Minute Market Commentary – November 30, 2015

FormulaFolio's Chief Investment Strategist Jason Wenk provides an update on the market

5-Minute Market Commentary // November 30, 2015 Posted December 1, 2015 I am happy to present this week’s market commentary from FormulaFolio Investments. The goal is to give our clients and friends a simple way to see everything they need to know about the financial markets on a weekly basis, in 5 minutes or less. […]

5 Minute Market Commentary from FormulaFolios Chief Investment Strategist Jason Wenk

DaVinci Wealth Keeps You Informed

5 Minute Market Commentary from FormulaFolios Chief Investment Strategist Jason Wenk. 5-Minute Market Commentary // November 23, 2015 Posted November 23, 2015 I am happy to present this week’s market commentary from FormulaFolio Investments. The goal is to give our clients and friends a simple way to see everything they need to know about the […]

5 Minute Market Commentary

5 Minute Market Commentary from FormulaFolios and Jason Wenk

FormulaFolios Market Commentary 5-Minute Market Commentary // November 9, 2015 Posted November 9, 2015 I am happy to present this week’s market commentary from FormulaFolio Investments. The goal is to give our clients and friends a simple way to see everything they need to know about the financial markets on a weekly basis, in 5 […]

5-Minute Market Commentary

Don’t abandon ship, just make sure it’s sea worthy.

5-Minute Market Commentary // September 7, 2015 By Jason Wenk I am happy to present this week’s market commentary from FormulaFolio Investments. The goal is to give our clients and friends a simple way to see everything they need to know about the financial markets on a weekly basis, in 5 minutes or less. After […]

Portfolio Recap July 2015 FormulaFolios

Month end and YTD performance of our tactical models and the Recession Probability Index

Portfolio recap July 2015 FormulaFolios Chief Investment Strategist Jason Wenk reviews model performance and portfolio composition including recent trading activity. In this portfolio recap, we cover the prior month and YTD performance, touch on current asset allocation of our tactical models, as well as the most up to date economic analysis of our proprietary economic […]

“DaVinci Wealth Radio – Is your Bond Portfolio Safe – Original airdate July 18, 2015”
by Darren Vilardo

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DaVinci Wealth Radio – Original airdate July 18, 2015 “Is your Bond Portfolio Safe?”

KQNA 1130 am and 99.9 fm in Northern Arizona

Is Your Bond Portfolio “Safe” -Where to hide when rates rise

  1. Could this be you… You lost money in 2000-2002 or 2008, and your advisor said – let’s reduce your exposure to stocks and give you more bonds, as a safe alternative. Perhaps you opted for a more conservative portfolio at retirement—less stocks, more bonds- again with the idea that the bonds are “safe”
  2. Remember the 16,17, 18% mortgage rates, CD’s paying 10, 11, 12% or more –early `1980’s and we have been in a declining rate environment ever since, and given the inverse relationship of prices to rates, thus we have been in a bull market for bonds for the last 30 years. With interest rates at just about ZERO-That has reversed – and as rates begin to rise, bond values will fall- how much?
  3. Duration; A measure of a bond’s or bond portfolio sensitivity to interest rate changes—Not sure, call us, we can find out, we can stress test your portfolio
  4. Local competitor advertising bonds, 7% coupon on a 30 year bond, 7% YTM, duration about 12.52, meaning, a 1 percent increase in interest rates will result in an approximate 12.52% loss in value. OUCH!
  5. A bond proxy with no principal risk. FIA – not for income, but for a return similar to a bond over time, with no interest rate risk. Gains are locked in and never at risk
  6. Variety of indexes based on various asset classes- global stocks and bonds, US stocks, dividend stocks and bonds, value stocks and bonds,
  7. Different carriers offer different crediting mechanisms.
  8. Interesting and creative way to offer return in a low return environment and eliminate principal risk inherent in a bond portfolio in a rising interest rate environment.