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Mastering Retirement Journal

What Happened to the Silicon Valley Bank?

Bar graph showing the impact of unrealized securities losses on capital ratios

6-minute read

Over the past week there has been a of headlines about the recent failures of Silicon Valley Bank and Signature Bank. We wanted to take time and address some of your concerns. The below piece, written by one of our internal partners Brett Jergens CFA®, CRP®, breaks down the situation and what is to come as a result.

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What We’re Reading – February Edition

Stack of four open books
  1. https://www.moodysanalytics.com/-/media/article/2022/slowcession.pdf
    • Moody’s – Slowcession.
    • Moody’s Mark Zandi coins a new term to describe the current economic landscape. Read to find out the strengths and weaknesses of the market and what’s in store for 2023.
  2. https://www.wsj.com/articles/consumer-spending-inflation-economy-11675093472
    • Wall Street Journal – The U.S. Consumer Is Starting to Freak Out.
    • The U.S. consumer influences approximately 70% of the economy. Read to find out the current trends of the consumer to see what is changing.
  3. https://www.morningstar.com/articles/1128840/whats-a-safe-withdrawal-rate-today
    • Morningstar – What’s a Safe Withdrawal Rate Today?
    • This article dives into suitable withdrawal rates for retirees and the probability of running out of money in retirement. It makes relevant connections to the affects of 2022 on portfolios and what the future impact will be.
  4. https://www.blackrock.com/us/financial-professionals/literature/investor-education/studentof-the-market.pdf
    • BlackRock – Student of the Markets January 2023.
    • A great deck of slides that puts the down market in 2022 into perspective.
  5.  https://www.federalreserve.gov/monetarypolicy/files/fomcminutes20221214.pdf
    • Minutes of the Federal Open Market Committee December 13 to 14 2022.
    • Want to know what the Federal Reserve is thinking? Read the latest minutes from the last FOMC meeting and see the Fed’s outlook for the economy.
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What We’re Reading – Year End Edition 2022

Large book left open
  1. https://www.morningstar.com/articles/1128280/small-cap-stocks-are-really-cheap
    • Morningstar – Small Cap Stocks Are Really Cheap
    • We’ve made changes in our portfolio over the last year to take advantage of certain asset classes that are at historically attractive levels. Small Cap U.S. stocks are one of those asset classes. This is a good read on what makes them cheap compared to historical levels
  2. https://www.wsj.com/articles/retire-when-how-to-know-11669847287?st=ncfszqe021zhr2t&reflink=desktopwebshare_permalink
    • Wall Street Journal – When Is It Time to Retire?
    • A great article on what goes into deciding when its time to walk away. The author gives a personal perspective on his own journey and that of readers
  3. https://www.morningstar.com/articles/817462/how-to-create-your-estate-plan-a-checklist
    • Morningstar – How to Create Your Estate Plan Checklist
    • Another great article from Morningstar’s Christine Benz on a simple checklist for you to use in constructing and updating your estate plan
  4. https://www.ismworld.org/supply-management-news-and-reports/news-publications/inside-supply-management-magazine/2022-november-december/services/
    • Institute for Supply Management – Report on Business November 2022
    • Do you like Economic data? What are businesses saying about the current climate? Read excerpts from various businesses across the U.S. on what they are seeing and saying on the U.S. economy.
  5. https://www.blackrock.com/us/financial-professionals/literature/investor-education/student-of-the-market.pdf
    • BlackRock – Student of the Markets November 2022
    • A great slide deck putting the year so far into perspective and what may lie ahead. This is a great resource that simplifies the complexities

Investors cannot directly invest in indices. Past Performance does not guarantee future results.

Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally investor. No system or financial planning strategy can guarantee future results. 

 

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