The two-year has broken through to the other side

Have we finally begun seeing the normalization of interest rates in U.S. Treasuries? Although we’ve seen sudden rises in interest rates before, we haven’t seen a precipitous rise like we’ve seen in the last month. Although we often focus on the ten-year Treasury as the barometer of interest rates, the two-year Treasury is our focus at this point.…

Reviving your 401(k)

A few weeks ago, reporter Rebecca Lake from U.S. News & World Report wrote an article titled “How to revive your 401(k) in your 50s,” providing readers with tips on how they can breathe life into this retirement savings vehicle. I shared some of my insight with Rebecca, but wanted…

Passive investing primer

Over the last several years, a debate between “passive” and “active” management has been raging in the investment industry. So far, the passive approach is winning – with the majority of net investment dollars recently flowing into index-oriented mutual funds and Exchange Traded Funds (ETFs). Passive investing has become so…

Money market reform finalized

As a follow up to last year’s discussion on proposed money market reforms, we can now report that the U.S. Securities and Exchange Commission (SEC) has finished its work, and the reforms have been finalized. The new rules, which will go into effect in October of this year, were put…