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Articles by Wei-Yin Hu
Inflation, Market Volatility and Your Financial Plan: What to Know Now
We share the concerns of many around the world as geopolitical tensions – including ongoing conflicts in Ukraine and the Middle East – continue to create uncertainty. Beyond the human impact, these events can have broader economic consequences, raising important questions about inflation, energy prices and market volatility. Let’s step back from the headlines and put today’s economic environment into perspective.
The Power of Patience in Investing
Being a patient investor sounds simple, but it’s not always easy – especially during periods of market volatility or declining portfolio returns. When your portfolio performance slows or dips, it’s natural to feel the urge to act. But making changes when your long-term financial goals haven’t changed could do more harm than good. A disciplined, long-term investment strategy is often built to weather these periods.
What Is Cost Basis? How It Impacts Investment Taxes
Behind the scenes, there’s a number quietly following every investment you own – and it directly impacts how much you’ll owe in taxes when you sell. A lot of investors don’t pay much attention to it until the bill shows up. It’s called cost basis. And while it sounds like harmless accounting jargon, it can eventually hit your wallet where it hurts. Here are cost basis taxes explained.
Should You Pull Money Out of the Market? How to Invest During Volatility
Close your eyes for a moment and imagine this scenario. You’re sitting in a comfortable chair on a sunny day, looking out at a beautiful view with blue skies stretching for miles. Then, near the horizon, you notice storm clouds gathering. Eventually, they block out the sun, darkening the sky and bringing the sound of thunder. Before you know it, you’re caught in a downpour. What do you do? For most of us, the answer is simple: we go inside. At the very least, we grab an umbrella or put on a raincoat.
Inflation After the Peak: What Higher Prices Mean for Bonds and Stocks
Returns for two and three years represent average annualized returns for the Bloomberg U.S. Government Intermediate Bond Index following 1974 and the Bloomberg U.S. Aggregate Bond Index for later episodes. Past performance does not guarantee future results. That’s what happened in most of these examples. But, as we mentioned, it’s not a guarantee. The post-2022 period – you know, the one we’re currently in – illustrates this clearly.
Tender Offer Explained: What Investors Should Know
If you own stocks, you’re no doubt familiar with a well-known way to buy or sell them: on a stock exchange, via a middleman known as a broker, who helps match up buyers and sellers. But there are other ways to buy and sell shares, one of which is a tender offer. In a tender offer, the investor or company looking to buy shares makes an offer to a group of people (all shareholders or those in a certain class) to buy their shares at a specific price.
Why the 60/40 Portfolio Still Works in 2025
Remember back in 2022 when headlines declared the 60/40 portfolio dead? (Not our headlines, to be clear.) The media loves declaring things “over,” and they’re often wrong – happily in the case of diversification, not so much when it comes to trends we’d all rather leave behind. Admittedly, 2022 was rough. Stocks fell. Bonds fell. U.S., international – red across the board. Diversification seemed like it had just ghosted investors.
Is the US Dollar Losing Its Crown? Why It Still Reigns Supreme.
Lately, the chatter around “de-dollarization” has gotten louder. From TikTok finance influencers to global think tanks, everyone seems to be asking: Is the U.S. dollar’s reign as “the world’s currency” coming to an end? With America’s rising debt, inflation worries and the rise of alternatives like gold and digital currencies, it’s easy to see why the question is trending. But while the headlines scream uncertainty, the numbers whisper stability.
What’s Up With Work? AI, Immigration and the Job Market’s Shifting Balance
“This time is different.” “Welcome to the new normal.” Unless you’re new here, you’ve heard that before. In 2025, it really did feel like it might be true when it comes to work, at a fundamental level. AI stole most of the headlines, but it was also helping mask changes driven by immigration patterns. It’s worth asking: Are we really seeing a fundamental shift in the nature of work or just another economic cycle? Let’s look at the facts.
Is the Market in an AI Bubble? What Investors Should Know.
You’d have to be living under a rock – or shall we say, in a bubble – not to have heard the rumors: Are we in an AI bubble? If you remember the dot-com bubble of the late ’90s-early 2000s or the housing bubble of the mid-2000s, you might be feeling a little déjà vu. So, should you be worried? And more importantly, what should you do about it? To be clear, we’ve never known for sure that we were in a bubble at the time it was happening.
Building a Multigenerational Portfolio: Strategies to Help Withstand Economic Shifts
No doubt you’ve noticed the headlines the last few years – houses and cars are near all-time high prices and inflation continues to rear its ugly head for the first time in a generation. Not to mention crushing student loan debt for a lot of people and wages that don’t always keep up. In fact, a large majority of people now think today’s kids will be worse off financially than their parents. If you have (or plan to have) kids, that’s painful to hear.
Is it a Stock Market Bubble? Signs, Risks & Market Valuations
S&P 500 closing price. Source: S&P Dow Jones Indices, December 31, 2021, through August 7, 2026. Some investors have also started to question these stocks’ valuation. Valuation measures help investors compare stock prices with the earnings, revenues or assets supporting them. For example, the price/earnings or P/E ratio tells you how much you’d pay for a stock divided by how much it’s paying in earnings. A high P/E ratio means a higher price per dollar of earnings.
24-Hour Trading: Markets, Strategies & Should You Trade?
Globalization, investor demand and advances in trading technology have gradually pushed the stock market beyond traditional hours over the years. The next frontier is widespread adoption of 24-hour trading – at least on weekdays. Momentum has been building, but the concept still has both cheerleaders and critics. Regular trading hours for listed stocks are between 9:30 a.m. and 4 p.m. ET weekdays. Trading activity outside of those hours was once uncommon.
Are I bonds a good investment?
When U.S. pandemic-era inflation peaked at over 9% in June 2022, Series I savings bonds may have seemed an attractive choice for investors. But now that inflation is cooling down, so are interest rates. From May to October 2024, each Series I savings bond issued will offer 4.28% interest with a fixed rate of 1.3%.This has left many wondering whether they are still a good investment.
Market Volatility: Why Staying Invested Matters
If you’ve been following the financial news lately, you’ve likely seen no shortage of headlines about stock market volatility. From ongoing inflation concerns and evolving Federal Reserve interest rate policy to geopolitical tensions around the world, there’s a steady stream of updates competing for your attention. It’s easy to feel overwhelmed. Financial media often amplifies market swings – both up and down – because uncertainty drives engagement.
The Benefits and Pitfalls of Mental Accounting
When it comes to managing your money, the way you think about it can matter just as much as how much you earn. Many financial decisions aren’t purely logical – they’re shaped by habits, emotions and mental shortcuts that can quietly influence how you spend, save and prioritize your dollars. To get an idea of what we mean by mental accounting, ask yourself two questions: If you got a $1,000-a-year raise from your job, how much of it would you spend?
Recency Bias and Staying Rational
Have you been tempted to invest more in stocks when the market is doing well? Do you suddenly want to sell out of stocks when the market is doing poorly? If you tend to overemphasize recent events like the gains or losses from past performance, you are being influenced by what psychologists call “recency bias,” or the recency effect.
How to rebalance a portfolio
To understand why it’s essential to have a rebalancing strategy, we first need to discuss the importance of asset allocation. While stocks generally outperform bonds in the long term, they also come with greater risks due to the potential for market volatility. To hedge against the risk of fluctuating stock values, investors use bonds, which can be a lower-risk, lower-return investment option.
Market Insights June | Edelman Financial Engines
U.S. large-cap stocks rose in June, though markets were mixed overall. U.S. large-cap stocks (S&P 500) gained 3.59% while small caps (S&P 600) fell 2.28%. On the international front, developed-market international stocks (MSCI EAFE) lost 1.61% while emerging-market stocks (MSCI Emerging Markets) rose 3.94%.
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