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My view on what's going on in the financial markets and the global economy, and a few other things that might interest me from time to time.
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Some investment "thoughts" to start off the new year
2023 was an amazing year for nearly all traditional asset classes around the world. Can this carry-on? This article covers my thoughts.
tim@emorningcoffee.com
Jan 2, 202431 min read
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Spending your retirement savings
I wrote about portfolio allocation pre-retirement a few weeks ago. This article is about “sizing” your drawdowns after you retire.
tim@emorningcoffee.com
Dec 7, 20238 min read
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Personal portfolio allocation
This article is about the allocation of yours savings across different asset classes to maximise returns given your risk profile
tim@emorningcoffee.com
Nov 30, 20237 min read
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Happiness and wealth
Happiness is the prize, wealth can be a by-product by following a few simple rules, and starting early in life.
tim@emorningcoffee.com
Nov 15, 20234 min read
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A break from financial markets commentary
Matthew Perry's passing has deeply affected many people who came to know and love his endearing character on "Friends."
tim@emorningcoffee.com
Nov 2, 20235 min read
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3Q2023 portfolio update
The 3Q23 was not good for stocks and bonds, reflected in the returns in my own portfolio. But returns YtD have been decent enough.
tim@emorningcoffee.com
Oct 26, 20234 min read
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Deficits spiral, Congress disappoints
The decision-making ability of Congress is poor and getting worse, just as US deficits spiral higher and higher. Something needs to be done
tim@emorningcoffee.com
Oct 9, 20237 min read
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Guns or butter?
"Guns or butter" is a macroeconomic concept regarding govt budget allocation, but this article is about similar consumer decisions.
tim@emorningcoffee.com
Sep 20, 20235 min read
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Jobs reports: are US jobs trending in the right direction?
This article is about jobs, more specifically, what is the key data? And what does the most recent data suggest about the future?
tim@emorningcoffee.com
Sep 7, 20237 min read
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Social Security: crash and burn?
The US Social Security trust fund is expected to be depleted by 2033/4. Why, and what does this mean for me? How does Soc Security work?
tim@emorningcoffee.com
Aug 30, 20239 min read
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FitchRatings downgrades the US: does anyone care?
FitchRatings downgraded the US to AA+ on Tuesday, triggering a harsh response from the Biden Administration but nonchalance from investors.
tim@emorningcoffee.com
Aug 4, 20235 min read
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Wrong (so far)....but the Street has been, too
Seven months into the year, many of my Y/E forecasts for indices and other assets look like they will be wrong. I am in good company!
tim@emorningcoffee.com
Aug 2, 20234 min read
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The great reveal: 1H2023 update
This article is an update to an article I penned in February regarding my personal portfolio. For me, it's painful reading!
tim@emorningcoffee.com
Jul 20, 20237 min read
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OPEC+ is at it again
This past weekend, OPEC+ jumped back into action to address falling oil prices by curtailing supply. In fact, as we now have learned, it...
tim@emorningcoffee.com
Jun 6, 20234 min read
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BIPs, RIPs and CHIPs
Get ready for the next FOMC meeting and a market rip following the debt ceiling agreement. Want to better understand semiconductors?
tim@emorningcoffee.com
May 30, 20233 min read
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FINANCE 101: The rationale for retirement savings plans
This article discusses the rationale for establishing retirement savings, the sooner the better. Corp plans are especially attractive.
tim@emorningcoffee.com
May 15, 20237 min read
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Take aways from Berkshire Hathaway’s 2023 shareholder meeting
“What gives you opportunities is other people doing dumb things ... In the 58 years we’ve been running Berkshire, I would say there’s...
tim@emorningcoffee.com
May 8, 20236 min read
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Decisions, decisions, decisions: inflation and consumer preferences
Headline inflation might be on the way down, but it is declining very slowly in the US and the EU, and remains in double-digits in the...
tim@emorningcoffee.com
May 2, 20236 min read
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