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Continuum Insights

Dividend Investing Is Not the Holy Grail

What if I told you that dividends are not all they are cracked up to be? That doesn’t mean they are necessarily bad. However, receiving a dividend is like taking money from your bank account and holding it in cash. Your financial situation hasn’t necessarily changed; you are just holding part of your money in a different form. The true measure of a good investment should be the total return instead of the dividend stream it pays. This can be a touchy subject for people, so I apologize in advance.

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Replacing Your Paycheck in Retirement

Paydays are special. Whether it is every other week, twice a month, or weekly, we all have that day circled on our mental calendars. Then retirement happens, and everything changes. One of the most significant challenges that retirees face is determining how much money to withdraw from their savings each year while ensuring that they do not run out of money. In this article, we will look at different options for retirees that need to replace their income.

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How I Analyze the Stock Market

At its core, TA is the study of supply and demand as expressed through price. Without needing to take an Econ 101 course, most people understand the basic idea of supply and demand. Where supply and demand meet, we arrive at what price gets paid at that moment in time for a stock, bond, commodity, etc. There are humans on both sides of the transaction, so the study of price also incorporates a lot of human behavior tendencies.

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Silicon Valley Bank Explained

The banking system is built on trust, and things can get messy once that trust erodes. The government has taken steps to alleviate concerns about other similar banks, but nobody truly knows how this will play out, which can be unsettling. However, this is nothing like 2008 which saw our largest financial institutions with truckloads of bad loans on their books from making questionable lending decisions. This is not the first time something like this has happened, and it won’t be the last.

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Is the Stock Market Just Gambling?

Gambling is in vogue right now. Thanks to the increased prevalence of online betting, bettors wagered a staggering $16 Billion on Super Bowl 57. After a rough 2022 in financial markets, investors are finding it hard to tell the difference between their 401(k) and their online sportsbook account. I cringe whenever I hear somebody say that the stock market is like a casino. Sure, the green and red numbers and the up and down arrows make it *feel* like a casino, but there is one key difference (besides free drinks): the odds are easily in your favor with your investments.

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