MONEYLETTER.com

MONEYLETTER.com Your Home for Top Performing Mutual Funds Do you want to manage your own mutual fund investments? And your investment is safely watched over by the U.S.

Maybe you just need occasional guidance on what's hot (and what's not). Are you looking for an advisory service with a proven track record for identifying top-performing funds, regardless of what direction the broad market is going? Mutual funds are the best vehicle for individual investors to gain access to professional management, diversification safety liquidity service. That's because mutual f

unds give individual investors access to experts and information not otherwise available. When you invest in a mutual fund, your money is managed by a professional portfolio manager. Your investment is more and better diversified: the portfolio manager is able to commingle all investors' funds to buy dozens-even hundreds-of stocks and bonds. Securities and Exchange Commission (SEC). Walter Frank is MONEYLETTER's Chief Economist and Chief Investment Officer and is a long-time money manager and Fed watcher. World equity markets are volatile, and the truth is your hard-earned nest egg is at risk right now. It is extremely important that you keep a close eye on current conditions and new opportunities. MONEYLETTER's timely coverage does exactly that, keeping you on top of the markets. Our recommendations give you complete investment flexibility with nine separate model portfolios. Each one offers a slightly different strategy for building wealth, allowing you to zero-in on your personal goals. You have every reason to put your confidence in the MONEYLETTER advice. We're in our 37th year of publication and widely respected in the investment community. The MONEYLETTER newsletter won the "Best Financial Advisory Newsletter" Award from the Specialized Information Publishers' Association and was named to the Forbes Honor Roll for its performance in up and down markets.

Market volatility has increased as investors rotate away from large-cap stocks, causing uncertainty. It's not unusual fo...
08/07/2024

Market volatility has increased as investors rotate away from large-cap stocks, causing uncertainty.

It's not unusual for uncertainty to rise for short periods before the market stabilizes.

But remember, volatility is a normal part of investing.

The key to beat volatility is being disciplined.

Look past short-term market turbulence and keep your eyes on the bigger picture!

The chart below tracks the Chicago Board Options Exchange (CBOE) volatility index. The VIX index is a measure of constant 30-day expected volatility of the U.S. stock market and is derived from mid-quote prices of S&P 500 call and put options.

If you want to keep up with current trends in the stock market, check out our weekly series ‘Weekly Market Minute’, where we discuss what’s affecting the prior week’s market performance and look ahead to the following week.

Check out our playlist on YouTube: https://www.youtube.com/playlist?list=PLZ1yM7Uu99dp9-HMZ7n7DTrig8y3i8jqu

The August 2024 edition of MoneyLetter on Markets has been released! 🎙In this episode, we discuss various topics that in...
08/06/2024

The August 2024 edition of MoneyLetter on Markets has been released! 🎙

In this episode, we discuss various topics that include, if you should wait until 70 to take social security, the featured fund of the month, some tips to make your vacation more affordable, and more!

YouTube: https://youtu.be/WMdDIcbCiLI

Spotify: https://podcasters.spotify.com/pod/moneyletter

Welcome to the August 2024 Edition of MoneyLetter on Markets.In this episode, we discuss various topics that include, if yo...

In an era dominated by tech stocks and cryptocurrencies, bonds and bond funds often get overlooked.👇Here's why they rema...
07/11/2024

In an era dominated by tech stocks and cryptocurrencies, bonds and bond funds often get overlooked.👇

Here's why they remain essential:

𝐒𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲: Bonds provide a predictable income stream, which can act as a cushion during market volatility.

𝐃𝐢𝐯𝐞𝐫𝐬𝐢𝐟𝐢𝐜𝐚𝐭𝐢𝐨𝐧: They help balance your investments, reducing overall risk while maintaining steady returns.

𝐈𝐧𝐟𝐥𝐚𝐭𝐢𝐨𝐧 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧: Certain types of bonds, like TIPS, are designed to keep pace with inflation, safeguarding your purchasing power.

What are some bond funds you can start investing in now?

𝐏𝐆𝐈𝐌 𝐅𝐥𝐨𝐚𝐭𝐢𝐧𝐠 𝐑𝐚𝐭𝐞 𝐈𝐧𝐜 𝐙 (𝐭𝐢𝐜𝐤𝐞𝐫 𝐅𝐑𝐅𝐙𝐗)

This bond fund seeks to maximize current income by investing primarily in senior floating rate loans.

𝐏𝐈𝐌𝐂𝐎 𝐈𝐧𝐜𝐨𝐦𝐞 𝐀 (𝐭𝐢𝐜𝐤𝐞𝐫 𝐏𝐎𝐍𝐀𝐗)

The intermediate-term fund targets high, consistent income designed to provide investors with steady returns.

𝐓𝐡𝐨𝐦𝐩𝐬𝐨𝐧 𝐁𝐨𝐧𝐝 (𝐭𝐢𝐜𝐤𝐞𝐫 𝐓𝐇𝐎𝐏𝐗)

This short-term bond seeks a higher level of current income while preserving capital.

For those looking to future-proof their investments, bonds can bring a balance to your portfolio that's hard to beat.

If you want to learn more about bonds and what types you should look into investing, consider joining MoneyLetter Friends. You will receive a FREE current issue of MoneyLetter; this issue includes a feature article on lower-risk investing.

To join MoneyLetter Friends (at no cost) go to: https://www.moneyletter.com/friends/

Did you know there is a certain ETF that allows investors to focus on specific industries? 👇Exchange-Traded Funds (ETFs)...
07/09/2024

Did you know there is a certain ETF that allows investors to focus on specific industries? 👇

Exchange-Traded Funds (ETFs) have changed the way individuals invest by providing easy and flexible access to a wide range of companies.

Among the various types of ETFs available, sector ETFs stand out because of their ability to allow investors to focus on specific industries.

In this blog, we review sector ETFs, embracing their advantages and disadvantages, as well as the possible gains and losses.



Read more:

Among the various types of ETFs available, sector ETFs stand out because of their ability to allow investors to focus on specific industries.

We want to wish you and your loved ones a safe and Happy Fourth! 🇺🇸 The MoneyLetter office will be closed on Thursday, J...
07/03/2024

We want to wish you and your loved ones a safe and Happy Fourth! 🇺🇸

The MoneyLetter office will be closed on Thursday, July 4th & Friday, July 5th. We will resume normal business hours on Monday, July 8th.

-The MoneyLetter Team

What should you do if the market goes through a recession or crashes?...It is impossible to avoid market crashes. But kn...
07/02/2024

What should you do if the market goes through a recession or crashes?...

It is impossible to avoid market crashes.

But knowing why these downturns occur — and what consequences they have — can be helpful in managing future market fluctuations.

Read more: https://www.moneyletter.com/investment-lessons-from-historical-market-crashes/

It is impossible to avoid market crashes. But knowing why these downturns occur and what consequences they have can be helpful in managing...

Go check out our brand new July 2024 edition of MoneyLetter on Markets! 🎙Hosted by MoneyLetter Publisher, Brian Kelly 🎙 ...
06/28/2024

Go check out our brand new July 2024 edition of MoneyLetter on Markets! 🎙

Hosted by MoneyLetter Publisher, Brian Kelly 🎙

In this episode, we discuss various topics that include, how short term opportunities relate to long term financial goals, the featured fund of the month, an overview of disability insurance, and more!

⏩ Spotify: https://open.spotify.com/episode/1l8Y2ZXnrPBugJG9b3UDjy?si=sgN0b_PYSqWGhWAHHd6ysg

⏩ Apple Podcasts: https://podcasts.apple.com/us/podcast/moneyletter-on-markets/id1686590334

⏩ YouTube: https://youtu.be/JLuZwH_A0i0

ATTENTION ENTREPRENEUERS 👇  Our sister company, Asset Strategy and Northern Bank are presenting a webinar that will disc...
06/25/2024

ATTENTION ENTREPRENEUERS 👇


Our sister company, Asset Strategy and Northern Bank are presenting a webinar that will discuss the ‘Corporate Transparency Act.’


The Corporate Transparency Act is a federal law that went into effect on January 1, 2024. It requires many small business owners in the U.S. to report information about their beneficial owners to the Financial Crimes Enforcement Network (FinCEN).


This is designed to curb financial crimes such as tax fraud, money laundering, and corruption.


If you own a business or know someone who does, it is essential that you are aware of the CTA as failure to report this information can lead to penalties.


Register here to learn more: https://us06web.zoom.us/webinar/register/WN_XwZ8iXiDTnqsj26Qv1UVgQ #/registration

Our offices will be closed on Wednesday, June 19th in observance of Juneteenth.  We'll resume regular business hours on ...
06/18/2024

Our offices will be closed on Wednesday, June 19th in observance of Juneteenth.


We'll resume regular business hours on Thursday, June 20th.


-The MoneyLetter Team

INVESTING TIP OF THE WEEK!👇 💡 Focus on dividend growth investing💡 Invest in companies with a strong track record of payi...
06/11/2024

INVESTING TIP OF THE WEEK!👇

💡 Focus on dividend growth investing💡

Invest in companies with a strong track record of paying and increasing dividends. These companies often have solid fundamentals, stable earnings, and a commitment to returning value to shareholders.

Automatically reinvest your dividends to purchase more shares of the dividend-paying stocks. This compounding effect can significantly boost your investment returns over time.

Choose companies that not only pay dividends but also have a history of consistently increasing their dividend payouts. This indicates financial health and a shareholder-friendly management team.

Ensure your dividend-paying stocks are diversified across different sectors and industries to spread risk.

This protects your portfolio from sector-specific downturns. Pay attention to the payout ratio, which is the percentage of earnings paid out as dividends.

A lower payout ratio suggests that the company retains enough earnings to invest in growth while still rewarding shareholders.

While a high dividend yield is attractive, also consider the growth rate of the dividend. A moderate yield with a high growth rate can be more beneficial in the long run than a high yield with no growth.

Whenever possible, hold your dividend-paying stocks in tax-advantaged accounts like IRAs or Roth IRAs to defer or avoid taxes on the dividends.

Dividend growth investing is a long-term strategy. Stay patient and avoid the temptation to sell during market volatility. The power of compounding dividends will reward you over the years.

By focusing on companies with a strong dividend growth record, reinvesting dividends, and maintaining a long-term perspective, you can build a robust and income-generating portfolio that withstands market fluctuations and supports your financial goals.

This kind of information comes from the team at MoneyLetter, the do-it-yourself investment newsletter. To receive more tips like this at not cost, visit:

https://www.moneyletter.com/friends/

Happy National Donut Day! 🍩🎉  Today, we celebrate one of life’s sweetest pleasures (in moderation, of course!). As we en...
06/07/2024

Happy National Donut Day! 🍩🎉 


Today, we celebrate one of life’s sweetest pleasures (in moderation, of course!). As we enjoy these delicious treats, we thought we’d look at the performance of Krispy Kreme (NASDAQ: DNUT) since they’ve returned to public trading back in 2021.
 
Krispy Kreme’s stock has experienced some ups and downs, reflecting the dynamic nature of the food and beverage industry.
 
Their stock price currently sits at 10.72 USD, which is -43.93% from its high of 19.12 USD back in 2021.
 
Despite this, Krispy Kreme has managed to maintain a strong brand presence and expand its reach. According to their financial reports, their revenue from 2023 was $1.68 billion, which has continued to steadily increase year by year.
 
Comment below and tell us your favorite kind of donut… 
 
 

📣 Join our sister company Asset Strategy for a live webinar on Wednesday, June 5th at 4:00PM, "The Psychology of Investi...
06/03/2024

📣 Join our sister company Asset Strategy for a live webinar on Wednesday, June 5th at 4:00PM, "The Psychology of Investing" presented by Asset Strategy in collaboration with BlackRock. Details below!

This informative and engaging webinar explores the 'Psychology of Investing'.

Agenda:
-Acknowledging "envy"
-Recognizing "loss"
-Building discipline

Plus more!

Whether you are an investor who is starting out or an investing veteran, this webinar is designed for any level of investor.

Join us to discover how your investor psychology can help you make smarter investment decisions and avoid common pitfalls.

Register Now: https://lnkd.in/eUfyz2t5

Are you balancing your long-term investment goals with short-term market opportunities? 👇In the ever-changing world of f...
05/31/2024

Are you balancing your long-term investment goals with short-term market opportunities? 👇

In the ever-changing world of finance, investors often try to pursue their long-term objectives while taking advantage of short-term opportunities. This can be done in a way that enhances returns while at the same time reducing risks.

This post will discuss how one can accomplish this balance while making certain that his or her investment portfolio is sustainable and flexible.

📚 Read more:

In the ever-changing world of finance, investors often try to pursue their long-term objectives while taking advantage of short-term opportunities...

In observance of Memorial Day, our office will be closed on Monday, May 27th. We will resume normal business hours on Tu...
05/24/2024

In observance of Memorial Day, our office will be closed on Monday, May 27th. We will resume normal business hours on Tuesday, May 28th.

This day is a time to remember and honor the brave men and women who have served our country and made the ultimate sacrifice for our freedom. Their courage and dedication will never be forgotten.

We wish everyone a peaceful and reflective Memorial Day.

-The MoneyLetter Team

Are you curious about investing in the Dow Jones Industrial Average? 💰The Dow Jones Industrial Average (DJIA) is one of ...
05/21/2024

Are you curious about investing in the Dow Jones Industrial Average? 💰

The Dow Jones Industrial Average (DJIA) is one of the most prominent stock market indices in the world.

The “Dow” consists of 30 large companies that are publicly owned in the United States and are viewed as indicators of the overall stock market and U.S. economy. 📈

Investing in a vehicle that tracks the Dow (or its individual components) may be a good investment choice for both novice and seasoned investors...

Read more: https://www.moneyletter.com/an-overview-of-investing-in-the-dow-jones/

MONEYLETTER.com

The Dow Jones Industrial Average (DJIA) is one of the most prominent stock market indices in the world. The “Dow” consists of 30 large companies...

Inflation erodes purchasing power. 📈🔍The historical inverse relationship between gold prices and rising inflation means ...
05/15/2024

Inflation erodes purchasing power. 📈🔍

The historical inverse relationship between gold prices and rising inflation means gold can play a role in a diversified portfolio by balancing risks. 💲

MONEYLETTER.com

Go check out our brand new May 2024 edition of MoneyLetter on Markets! 🎙Hosted by MoneyLetter Publisher, Brian Kelly 🎙Th...
05/02/2024

Go check out our brand new May 2024 edition of MoneyLetter on Markets! 🎙

Hosted by MoneyLetter Publisher, Brian Kelly 🎙

The May 2024 edition starts with information on the difference between tax preparation and tax planning. Next we profile our Fund of the Month, a top-performing mid-cap choice. We also provide tips on how to sell your home and an update on global markets.

⏩ Spotify:
https://open.spotify.com/episode/35Dh7ELjT5DsTYI3G78kIz?si=Tldkaf5VSBKVfJejBtKFuw 🎧

⏩ Anchor:
https://podcasters.spotify.com/pod/dashboard/episode/e2j63ot 🎧

⏩ Apple Podcasts:
https://podcasts.apple.com/us/podcast/may-2024-edition/id1686590334?i=1000654350175 🎧

⏩ YouTube:
https://www.youtube.com/watch?v=99Wo36vYX2s 🎧

Exciting news for all you investors out there! Just like teams scout the best talent in the NFL Draft, we've scoured the...
04/25/2024

Exciting news for all you investors out there! Just like teams scout the best talent in the NFL Draft, we've scoured the market to find the top performers for your investment playbook. 🏈💰

In football, a winning investment strategy requires careful planning and ex*****on. Let's score big together in the game of wealth-building! 📊💼

Check out our diversified draft big board of the top performing funds! 👇

*Note that the top performers are as measured by MoneyLetter’s April 2024 issue. Contact us for up-to-date information*

💵 You come across $1,000 and you have no idea what you should do with it...💰 $1,000 may not seem like a lot, but it give...
04/24/2024

💵 You come across $1,000 and you have no idea what you should do with it...

💰 $1,000 may not seem like a lot, but it gives you a good opportunity to practice healthy long-term wealth building habits.

👀 This article will discuss various investment approaches that are manageable and efficient for an individual with $1,000.

Read to find out what you should do...👇

https://www.moneyletter.com/how-to-invest-1000/

You come across $1,000 and you have no idea what you should do with it. $1,000 may not seem like a lot, but it gives you...

📈 Spring means financial growth with our MoneyLetter Plus Spring Special! 🌱This season, maximize your results with the p...
04/23/2024

📈 Spring means financial growth with our MoneyLetter Plus Spring Special! 🌱

This season, maximize your results with the perfect complement to MoneyLetter! Get the most out of your investments. MoneyLetter Plus Includes:

🔹 Weekly Updates for All 875+ Funds in Our Database
🔹 The T. Rowe Price Model Portfolio
🔹 The ML Plus Select ETF Model
🔹 Expanded Muni Bond Fund Coverage
🔹 Weekly Focus on the Funds Held in the MoneyLetter and ML Plus Models

📌 https://simplecirc.com/subscribe/moneyletter-plus?source=spring39

👉 Order today and enjoy a special discount! (Deadline is May 31, 2024)

🌍 Happy Earth Day! Today, as we celebrate the beauty and importance of our planet, let's also reflect on how we can cont...
04/22/2024

🌍 Happy Earth Day! Today, as we celebrate the beauty and importance of our planet, let's also reflect on how we can contribute to its preservation and sustainability. One impactful way to do this is by investing in initiatives that prioritize environmental conservation and resource management.

💧 One such opportunity lies in Invesco Water Resources (PHO), a mutual fund dedicated to investing in companies at the forefront of water innovation.

🚰 From developing technologies for water purification to creating efficient solutions for conservation, these companies play a vital role in safeguarding one of our most precious resources.

🌊 By investing in Invesco Water Resources (PHO), not only are you potentially growing your wealth, but you're also supporting efforts to ensure clean and accessible water for generations to come.

♻️ As we mark Earth Day, let's consider the power of our investments in shaping a more sustainable future. Join us in supporting initiatives like Invesco Water Resources (PHO), and together, let's make a positive difference for our planet. 🌎💚

Did you know that interest rates affect the stock market too? 😮👇Interest rates are vitally important to equity investors...
04/19/2024

Did you know that interest rates affect the stock market too? 😮👇

Interest rates are vitally important to equity investors. They drive decision-making and the general way that the market behaves. This thorough examination will cover the intricate interactions between interest rates and the stock market, identifying how players behave and the possible influence on investors. 👇

https://www.moneyletter.com/how-interest-rates-affect-the-stock-market/

MONEYLETTER.com

Interest rates are vitally important to equity investors. They drive decision-making and the general way that the market behaves. This thorough examination will cover the intricate interactions between interest rates and the stock market, identifying how players behave and the possible influence on....

🎓Struggling to pay off your student loans? What if we told YOU there are ways to FAST TRACK the process?...👇💰Student loa...
04/16/2024

🎓Struggling to pay off your student loans? What if we told YOU there are ways to FAST TRACK the process?...👇

💰Student loans are one of the biggest sources of debt in the United States. According to the Education Data Initiative, 43.2 million borrowers have federal student loan debt. The average federal student loan debt balance is $37,088, while the total average balance may be as high as $39,981. Many have balances that are much higher.

👀Here are some strategies to help ease your burden of paying off your student loans...

Read this article to learn more... 👇

https://www.moneyletter.com/how-to-pay-off-your-student-loans-faster/

MONEYLETTER.com

Student loans are one of the biggest sources of debt in the United States. According to the Education Data Initiative...

Tips for Selling Your House in 2024 🏡💲 Selling your house in the year 2024 can be frightening. High current interest rat...
04/10/2024

Tips for Selling Your House in 2024 🏡💲

Selling your house in the year 2024 can be frightening. High current interest rates and the potential for cuts by the Fed later this year create uncertainty. If you are selling your house for the first time -- or need to brush up on how to do so -- you’ve come to the right place. Here are some tips that will guide you through the process of selling your house smoothly (note that some of these tips are updated as of April 2024).

Read this article to learn more... 👇

https://www.moneyletter.com/tips-for-selling-your-house-in-2024/

MONEYLETTER.com

Selling your house in the year 2024 can be frightening. High current interest rates and the potential for cuts by the Fed later this year create...

📈 🔍 Presidential policies take time to implement. Lagging the results showsthat there is little difference over time fro...
04/08/2024

📈 🔍 Presidential policies take time to implement. Lagging the results shows

that there is little difference over time from a market perspective to which party occupies the White House. 💲

MONEYLETTER.com

10 Best Ways to Invest Your Tax Refund 💰🏡🌴 If you have already filed or are about to file your taxes, then you may expec...
04/02/2024

10 Best Ways to Invest Your Tax Refund 💰🏡🌴

If you have already filed or are about to file your taxes, then you may expect to get a tax refund. Now is the time to think about the incoming cash and take the opportunity to make smart financial choices. Consider these 10 strategies, and together, they will help pave your way to future financial success...

Read this article to learn more... 👇

https://www.moneyletter.com/ten-best-ways-to-invest-your-tax-refund/

MONEYLETTER.com

If you have already filed or are about to file your taxes, then you may expect to get a tax refund. Now is the time to think about...

We want to wish everyone a Happy Easter!We will be closed March 29 for Good Friday and will return Monday April 1st.-The...
03/28/2024

We want to wish everyone a Happy Easter!

We will be closed March 29 for Good Friday and will return Monday April 1st.

-The MoneyLetter Team

You’ve Won The Lottery! But Now What Do You Do About Taxes? 🔍💰 Lottery winnings! A miracle that can make your dreams com...
03/28/2024

You’ve Won The Lottery! But Now What Do You Do About Taxes? 🔍💰

Lottery winnings! A miracle that can make your dreams come true in a split second. But wait. Before you dive into a pool of gold coins like Scrooge McDuck, there's something you need to consider: taxes. Yes, the taxman will be coming for some of your winnings. Don’t panic, let's break down how your lottery winnings are taxed and what you should do if you get lucky enough to win the lottery...

Read this article to learn more...

https://www.moneyletter.com/youve-won-the-lottery-but-now-what-do-you-do-about-taxes/

MONEYLETTER.com

Lottery winnings! A miracle that can make your dreams come true in a split second. But wait, before you dive into a pool of gold coins...

Investors should keep an eye on the trend in fuel prices. 📈🔍Consumer spending - about 70% of the US economy - is directl...
03/26/2024

Investors should keep an eye on the trend in fuel prices. 📈🔍

Consumer spending - about 70% of the US economy - is directly affected as higher gas prices are effectively a tax on consumers. 💲

MONEYLETTER.com

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Do you want to manage your own mutual fund investments? Maybe you just need occasional guidance on what's hot (and what's not). Are you looking for an advisory service with a proven track record for identifying top-performing funds, regardless of what direction the broad market is going? Mutual funds and Exchange-Traded Funds (ETFs) are the best vehicle for individual investors to gain access to professional management, diversification, safety, liquidity and service. That's because mutual funds give individual investors access to experts and information not otherwise available. When you invest in a mutual fund, your money is managed by a professional portfolio manager. Your investment is more and better diversified: The portfolio manager is able to commingle all investors' funds to buy dozens -- even hundreds -- of stocks and bonds. And your investment is safely watched over by the U.S. Securities and Exchange Commission (SEC). Walter Frank is MONEYLETTER's Chief Economist and Chief Investment Officer and is a long-time money manager and Fed watcher. World equity markets are volatile, and the truth is your hard-earned nest egg is at risk right now. It is extremely important that you keep a close eye on current conditions and new opportunities. MONEYLETTER's timely coverage does exactly that, keeping you on top of the markets. Our recommendations give you complete investment flexibility with nine separate model portfolios. Each one offers a slightly different strategy for building wealth, based on your risk tolerance, allowing you to zero-in on your personal goals. You have every reason to put your confidence in the MONEYLETTER advice. We're in our 40th year of publication and widely respected in the investment community. The MONEYLETTER newsletter won the "Best Financial Advisory Newsletter" Award from the Specialized Information Publishers' Association and was named to the Forbes Honor Roll for its performance in up and down markets.


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