The year 2021 might be remembered as the year of the incautious investor. Non-fungible tokens (NFT) and Special Purpose Acquisition Companies (SPAC) were all the rage, bitcoin ETFs were on the verge of breaking out, and everyone was buzzing about the unexpected price surges of GameStop and AMC Theaters, the two so-called meme stocks. In…
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It’s virtually impossible to go about our daily lives these days without doing things online in some fashion. Buying stuff, connecting with others, making travel plans; these are just a few of the many activities that the Internet has made both ubiquitous, simple, and quick. But with convenience comes risk. The downside is that if…
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There’s an old song by the Jefferson Airplane that goes “You’re only [as] pretty as you feel.” Perhaps the same can be said about wealth. So much so that brokerage firm Charles Schwab commissions an annual study of 2,200 Americans regarding their beliefs about their wealth. There are some interesting findings from the recently released…
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A well-diversified investment portfolio should at least include bonds as well as stocks. And in the case of bonds, you will discover that there are more sub-asset classes than there are for stocks. Today I’m focusing on bonds issued by foreign governments. One of the challenges with those kinds of bonds is that as a…
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U.S. Treasuries have been considered the safest debt on the planet ever since the end of World War II. But they are backed only by the “full faith & credit” of the U.S. government. Despite the two major political parties squabbling every couple of years over raising the debt ceiling in order to pass a…
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In light of the recent Southern California wildfires, all California residents probably assume that their homeowner’s insurance premiums will be going up. But by how much? And how do California rates compare with those in the rest of the country? The insurance comparison platform Insurify just completed a cost and projection analysis for homeowner’s insurance…
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Cognizant Wealth Advisors, LLC ("Cognizant") is a dba of Perigon Wealth Management, LLC ("Perigon").
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