Kindred Financial LLC

Fascinating to see how the market is dissected by market cycles.
Will the inverted yield curve and interest rate cuts kill the rally?

https://www.visualcapitalist.com/60-years-of-stock-market-cycles/

Disclaimer: Investing involves risks including the potential loss of principal. No strategy or product can assure success or protects against loss. Past performance is no guarantee of future results. Please consider liquidity needs and risk when investing.

Visualizing 60 Years of Stock Market Cycles Stock market cycles often rhyme throughout history, shaped by monetary policy, consumer spending, and herd behavior.

Tax Time! Here is a link to a helpful 2024 Tax Guide!

Don't let taxes stress you out this year. Empower yourself with knowledge and make filing a bit less stressful!

Topics that come up a lot this time of year:
1) Self-employed plans (SEP IRA, Solo K Plan)
2) Roth Contribution, am I eligible?
3) Roth Conversions and Backdoor Roth

🚀 📊📝

https://static1.squarespace.com/static/547d09f4e4b0f4bc27de58c2/t/65e2c2661696121d741923cc/1709359719233/Kindred+Financial+2024+Tax+Guide+%281%29.pdf

Disclaimer: Please consult your tax professional before implementing any tax strategy. Investing involves risks including the potential loss of principal. No strategy or product can assure success or protects against loss. Past performance is no guarantee of future results. Please consider liquidity needs and risk when investing.

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Let's chat about money markets! Some money market mutual funds are paying 5%+ but are they right for you?

Higher interest rates often mean higher paying short term investments. Money markets and CDs are popular for investors worried about uncertainty (aka risk) or investors with short term liquidity needs.

Understand the difference between money markets and CDs, here's a good article to get you up to speed https://www.nerdwallet.com/article/banking/money-market-vs-cd
A key strategy to think about when investing in CDs is you are locking the money up for a duration (6 month, 1 year, etc...). If interest rates rise during that time you've locked in at a lower rate. If interest rates drop you've locked in at a higher rate.

When using money markets you have liquidity to your money and the yield is around current interest rates, however when interest rates fall so does your yield on your money market.

If your money is in your bank and you're NOT looking to invest it for the long haul, you can find more competitive options in the article below. https://www.forbes.com/advisor/investing/the-best-money-market-mutual-funds/

Disclaimer: Investing involves risks including the potential loss of principal. No strategy or product can assure success or protects against loss. Past performance is no guarantee of future results. Please consider liquidity needs and risk when investing.

10 Best Money Market Mutual Funds Of 2023 How do you choose the best money market mutual funds? It’s hardly an academic question, since you can enjoy a yield averaging 5.16% from the 100 largest money market mutual funds, according to Crane Data. In contrast, the national average yield for bank savings accounts is 0.43%. Here’s a more c...

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Disclaimer: Investing involves risks including the potential loss of principal. No strategy or product can assure success or protects against loss. Past performance is no guarantee of future results. Please consider liquidity needs and risk when investing.

CollegeInvest 529 College Savings Plan First Step Program Introducing FIRST STEP, a free kickstarter saving program for Colorado newborns from CollegeInvest, Colorado’s 529 college saving program.

https://www.visualcapitalist.com/the-top-performing-sp-500-sectors-over-the-business-cycle/

I love looking at segments like this, it supports why you should diversify but also understand the economic cycle!

Disclaimer: Investing involves risks including the potential loss of principal. No strategy or product can assure success or protects against loss. Past performance is no guarantee of future results. Please consider liquidity needs and risk when investing.

The Top Performing S&P 500 Sectors Over the Business Cycle We show the best performing S&P 500 sectors over each phase of the business cycle using nearly seven decades of data.