There are two ways mutual funds can be managed. Actively-managed funds are those whose management teams attempt to generate a better return than the average return produced by the asset class in which the fund invests. Passively-managed funds simply try to achieve the average return. Because active funds require more analysts and/or complex software algorithms…
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After the so-called Great Recession of 2008, the Federal Reserve (Fed) began buying up large quantities of bonds and other securities. This policy of quantitative easing (QE), as it became known, was part of the “pump priming” effort by the government to increase liquidity and stabilize the financial system in order to get the economy…
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The pandemic relief law that the federal government passed in December included some significant changes to the college financial aid application process. Here is a very brief summary of some of the key provisions together with some implications for families with children or grandchildren approaching college age. Most will go into effect on July 1,…
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With mid-term elections just around the corner, the Washington blame game is heating up. Republicans are asserting that the upsurge in inflation we’ve been living with since the beginning of this year is all due to the Democrats’ American Rescue Plan that pumped billions of unnecessary dollars into the economy. Democrats counter that the inflation…
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Early in my financial planner career I worked for a firm with a 75-year old client who had become a recent widow. A phone scammer had gotten hold of her and was persuasive enough to convince her to send a hundred dollars in gift cards to an address in the Caribbean. That one indiscretion resulted…
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Pretty bad. I’m not referring to the war in Ukraine, or the surge in COVID infections, or supply chain disruptions, or the growing number of gun deaths in the U.S. I’m talking of course about the capital markets. The negative 21% performance of the S&P 500 during the six-month period ending on June 30th ranks…
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Cognizant Wealth Advisors, LLC ("Cognizant") is a dba of Perigon Wealth Management, LLC ("Perigon").
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For additional disclosures, please visit www.perigonwealth.com.
Important disclosure information is also available at: https://adviserinfo.sec.gov/firm/summary/131037 and https://www.investor.gov/CRS.
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