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The H Group Salem Blog

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Our Latest Newsletter is Here

Ron Kelemen - Monday, May 15, 2017

Happy Spring!  We’re pleased to send you the link to the May issue of The H Group, Inc. | Salem Financial Perspective newsletter.  We discuss the latest retirement confidence survey, saving and paying for college, proposed tax legislation, money attitudes, and our team update.  Plus, we include a bonus photo and update of Brenna and her new baby.  As always, we welcome your comments.  If you would prefer to download a PDF version, click here.   Enjoy! Read Entire Article Here

April 23 is Tax Freedom Day

Ron Kelemen - Saturday, April 22, 2017

Taxes are on everyone’s mind this time of year, now that most of us have filed our taxes—or at least extensions.  Just how much taxes do we pay, and how long do we have to work each year to pay them?  According to The Tax Foundation, Tax Freedom day falls on April 23 in 2017, 113 days into the year.  The Foundation also calculates that: Read Entire Article Here

Two Years of Declines in This Bull Market?

Ron Kelemen - Friday, April 07, 2017

We’ve discussed the many corrections that have happened over the past eight years of this bull market.  As you can see by the table, the number of days of pullbacks of 5% or less and corrections of 10% add up to nearly two of the past eight years.  We have illustrated the start and magnitude of these pullbacks (green bar) and corrections (red bar) on a new graph.  As you can see, the are just a normal part of any market cycle.  We don’t know when the next correction or pullback will occur, or how long they will last, but we can say for certain that they will happen. Read Entire Article Here

Here's our 2017 First Quarter Update

Ron Kelemen - Sunday, April 02, 2017

Happy spring, everybody.  It’s been quite a quarter, and we’re pleased to send you our commentary about it.  You can access it by clicking here.  We discuss recent portfolio changes we made, the state of the current bull market, the Conference Board indicators, and a review of market corrections over time.  Best of all, we have a very exciting surprise on page four.  Your quarterly performance reports will be mailed within the next 7-12 days.  As always, we welcome your feedback.  Enjoy! Read Entire Article Here

FPA Names Our Own Brenna Baucum as Volunteer of the Year

Ron Kelemen - Monday, February 27, 2017

Here is our latest Financial Perspective Newsletter

Ron Kelemen - Tuesday, February 21, 2017

We are pleased to publish our latest issue of The H Group, Inc.|Salem Financial Perspective newsletter.  In this issue we discuss whether or not the stock market is overvalued and why some might say that it is and why others may disagree.  We also explore six ways to financially help adult children and grandchildren and the upcoming “Fiduciary Rule” for retirement plans.  And as always, our popular Team Update.  Click here for a PDF version.  Click here for a web-based version.   Enjoy! Read Entire Article Here

We Are Already Fiduciaries; No Big Deal with the New DOL Rule

Ron Kelemen - Saturday, February 11, 2017
Last June we wrote about the Department of Labor’s (DOL) new Fiduciary Rule.  At that time, it had been in the works for many months, but it finally takes effect on April 10 this year, and a few remaining details take effect in January 2018.
 Read Entire Article Here

Our Periodic Table of Asset Class Performance

Ron Kelemen - Tuesday, January 10, 2017
No single asset class is the best performing year after year. They rotate over time, sometimes dramatically in just one year. Every year we update our "Periodic Table of Asset Classes" or as we sometimes call it, our "Skittles Chart." We also include a balanced portfolio of various asset classes, as indicated by the yellow. As you can see, it will never be the top performer, nor at the bottom because it is a weighted average. To view this fun chart in PDF format,  Read Entire Article Here

Our 4th Quarter and 2016 Portfolio Review

Ron Kelemen - Friday, January 06, 2017

Every quarter we send a report to our clients with our commentary on the economy, financial markets, and changes we have made in most portfolios.  Our 4th quarter report for 2016 includes an overview of the year and our investment outlook for the year ahead.  Of particular interest is our "Periodic Table of Asset Classes" in which we show the performance of the various asset classes over the past 20 years.  Enjoy! Read Entire Article Here

With the leading Indexes doing so well, why is my portfolio not doing as well?

Ron Kelemen - Wednesday, December 28, 2016

We get this question a lot in up markets, but seldom in down or very volatile markets when our client portfolios are more stable and decline less.  If your portfolio were invested 100% in the top performing index, its results might closely track the index.  However, we never construct a portfolio with just one asset class because we believe in diversification.  Individual portfolio performance is a weighted average of the different asset classes. With two equally divided asset classes, an 8% gain in one and a 2% gain in the other results in an average gain of 5%. Read Entire Article Here

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