Shepherd Financial

05/26/2021

For the last 30 years stocks and bonds have moved in opposite directions (negative correlation). Few investors around today were paying close attention to in the previous 30 years from 1960-1990 when they moved in the same direction (positive correlation)

If that happens most investors can see both sides of their portfolio drop if the pendulum swings back the other way.

But we can help protect your retirement from market loss.
Contact us today to schedule a virtual meeting.

From the 1960s to the 1990s, stock and bond prices moved in the same direction. Why the shift? PGIM took a look.

09/07/2020

Have the markets been moved by short term side effects of the individual retail market?

If so, how long can they keep the market propped up?

And most importantly: how can YOU protect your retirement if and when it comes back down.

A report has stirred speculation the Japanese bank could have been a driving force behind the rally -- but not everyone is convinced.

06/12/2020

Allianz Chief Economic Advisor, El-Erian says the "Buy the Dip" mentality deeply embedded in current market.

Old adages dies hard. Remember when people used to say "Housing prices have never gone down" or "Who doesn't pay their mortgage"

Whenever the market culture begins to assume something is always and WILL ALWAYS be true, sometimes it takes a massive correction before the assumption is proved false - or the market conditions change to make it not true any more.

This is something I used to talk about all the time in my seminars. Everyone is undefeated - until they aren't.

Mohamed El-Erian, chief economic adviser at Allianz and a Bloomberg Opinion columnist, says there is no question mark around central bank support or technicals in the current market environment. He speaks with Bloomberg’s Jonathan Ferro, Lisa Abramowicz and Tom Keene on "Bloomberg Surveillance." H...

06/11/2020

It's beginning to look a lot like March.
If you want to protect what you just barely earned back. Give us a call TODAY. WE can help keep your money protected from market volatility and get a reasonable rate of return.
Learn more at our upcoming webinar:
www.shepherd-financial.com/events

05/20/2020

During their biannual risk assessment the Fed warned investors about a potential coming drop in asset prices - especially Commercial Real Estate - but it could affect stock prices too.

Can you handle another March?
If you can - do you WANT to?

Shepherd Financial is here to help you navigate these tumultuous times and help guide you to safety and predictability.

To read more about the Fed's warning, check out the link below:

The Federal Reserve issued a stark warning Friday that stock and other asset prices could suffer significant declines should the coronavirus pandemic deepen, with the commercial real estate market being among the hardest-hit industries.

04/24/2020

VT Governor Phil Scott to give a press conference today at 11am.
Possibly will discuss lifting some restrictions

Who gets to go to work next? Vermont Governor Phil Scott is expected to turn the spigot even more at a Friday morning announcement.

04/20/2020

Negative Oil Prices?
Whenever you first invested in the market, you hopefully asked the broker "Can I lose money?" or "How much can I lose?" They might have told you something like "It's possible to lose half of what you have in the market" but they probably didn't flat out tell you "You could lose everything." With stocks and bonds, that's true. Your investment could be worth zero. But in some have it even worse than that.

Today, for the first time in history, oil prices went negative. At first that might not even make sense, or you might be assuming that there needs to be some kind of borrowing, or leverage for that to even be possible. But oil contracts require delivery. That is the two-edge sword of physical commodities. And if someone buys too much oil, and they have no place to put it, it will actually COST them money to store it.

What does this mean?

It's hard to know for certain, because we've literally never been here before, negative oils prices are unprecedented. But one thing seems certain this is going to be a big disruption to the supply chain.

You can also read this article to get some other thoughts on the potential impacts:
https://www.marketwatch.com/story/why-the-oil-market-just-crashed-below-0-a-barrel-4-things-investors-need-to-know-2020-04-20

Negative oil futures is one of those things that really causes us to examine what other assumptions we've been making about money and finance and economics. If you are questioning that, and want to talk to someone that has a perspective that's different from what you've been hearing then I want to invite you to my next Market Update & Q&A Session coming up this Friday at 5:15pm

Friday April 24th @ 5:15pm
Market & Industry Update
Live Q&A

An oil futures contract just closed in negative territory for the first time ever. Here’s why, and what it says about the market and the economy.

04/17/2020

https://www.barrons.com/articles/the-global-economy-is-headed-for-the-worst-recession-since-the-great-depression-51586866901

The coronavirus pandemic could cost a cumulative $9 trillion in global economic activity over 2020 and 2021—more than the size of the Japanese and German economies combined.

04/08/2020

Statement from Commissioner Pieciak: DFR staff have been directed to work remotely from home, and will continue to do so until further notice. The department is still conducting business, however the remote nature of our work may cause some temporary disruptions or delays in DFR services. Read the f...

04/02/2020

Don't get caught in the "bull trap"!

In every bear market there are a group of investors who WANT the market to rebound. So their perspective bias leads them to think they ought to BUY when it's actually a better time to SELL.

You might feel like the market is too low to sell. But that means that you are looking BACKWARDS not looking FORWARD.

If you were on a ship that was half way sunk, would you stay on the ship just because you didn't get off when it was still afloat? Or would you "ride it out" all the way to the bottom?

Yes, it's true. You probably SHOULD have re balanced your portfolio in January. That WAS the best time - but you didn't do that. Just because you didn't re-balance at the PERFECT time, don't let that stop you from re-balancing at a GOOD time.

At Shepherd Financial we help people our clients get out of the market and still make a healthy return WITHOUT putting their principle at risk.

Want to learn more?
Join us for a Market & Industry Update THIS SUNDAY at 4pm. Just sign up for our newsletter to get the login instructions.

We will be having a Members & Friends Market & Industry Update on Sunday. Paul will cover some of the changes we have seen in the market over the past few weeks, what Shepherd Financial has done for our clients to make sure they don't lose a penny in this market volatility.  We will also end with a...

03/31/2020

Small business owners,
I just finished a webinar a few minutes ago that had some helpful info for small businesses that are being affected by the current COVID-19 situation. The webinar was run by Lendio, which is a lender I’ve worked with in the past.

Here is the whole webinar:
https://www.youtube.com/watch?v=VrRPXtJvvMc

In the first few minutes the speaker talks about an SBA loan that could pay out up to $10,000 within the next week, and has the opportunity to become a grant if certain conditions are met. (about the 5:00 minute mark)

I don’t know much more than what is in the webinar so I can’t officially endorse it, but I’ve used the company that is hosting it and they’ve been great, plus the loan is directly through the SBA.gov website so everything seems legitimate. But I wanted to get the info I have out to you and let you do your own due diligence since it seems like there might be some time sensitivity on some of the options discussed on the video.

Please share this post because even if you don't need this, you probably know or are a customer for a small business owner who does.

Many small businesses need all the help they can get right now. If you know how to navigate it, the recently-passed CARES Act can provide access to the capit...

03/26/2020

Unemployment explodes to levels five times bigger than worst week in 2008 Crisis