Runnymede Blog

The Bull Market is on Borrowed Time

Submitted by Chris Wang on Tue, 10/14/2014 - 04:00

Over the last month, the bull market looked to be running on tired legs. Small cap stocks (Russell 2000 Index) fell 11% since the beginning of September while the S&P 500 dropped 7%. Many investors have been waiting for a much needed breather in the market runup; however now people are asking, "Is this bull market over?" The obvious answer is definitely maybe.

Read more

Top 10 Blog Posts (Q3 2014)

Submitted by Andrew Wang on Thu, 10/2/2014 - 11:11

top10-blog-posts-600pxIf you do not have time to read everything that we publish, at least read these 10. "Best" is rarely the same as "popular," but here we let the market decide. According to our readers, these are the best Runnymede blog posts of the third quarter of 2014:

Read more

7 Things To Do Right Now Because Your Personal Data Is Under Attack

Submitted by Andrew Wang on Tue, 09/30/2014 - 07:30

With the popularity of social media and increased time spent online, many of us have willingly sacrificed our privacy in order to keep in frequent contact with friends -- sharing photos and details about where we ate dinner last night. However, it is the growth in our online shopping habits and preference to use plastic over cash that have increased our vulnerability to identity theft.

Read more

Will Fear of Deflation Bring More Quantitative Easing?

Submitted by Chris Wang on Thu, 09/25/2014 - 02:41

In janet-yellen-deflationJanuary 2012, the Fed outlined its 2 percent goal for inflation. But despite buying more than $4 trillion in bonds since 2008, inflation has remained stubbornly below that goal. Because of this I am beginning to wonder if the Fed will consider turning quantitative easing back on for another round of asset purchases in 2015.

Read more

An impartial review of the Security Benefit Secure Income Annuity

Submitted by Chris Wang on Mon, 09/8/2014 - 04:07

annuitiesThe annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salesmen trying to persuade you to make a purchase.

Today I will dig deep into an indexed annuity which has been booming in popularity in recent years. Sales of indexed annuities, a fixed annuity that provides a minimum guaranteed rate of interest combined with an interest rate tied to movement of an index, increased to $39.3 billion in 2013, a 17% gain year over year. This is the biggest percentage increase of any form of annuity.

Read more

The Best and Worst 529 College Savings Plans of 2014

Submitted by Chris Wang on Tue, 08/19/2014 - 12:34

chloe2My weekends are packed with activities to entertain my 2-year-old daughter Chloe. Virtually all my friends have children, from newborns to kindergarten age. We all reminisce about the days when college was a third of the cost and wonder how the heck we will pay for our kids to go to college. With 50 colleges charging over $60,000 a year, where will prices be in another 10-15 years?!?!? My dad always thinks outside the box and he thought I should train to become a football placekicker so I could earn a scholarship. While definitely a cool idea, it never progressed past a Nerf football being kicked about 15 yards in the backyard.

Read more

Stock buybacks fueling earnings growth and higher prices

Submitted by Chris Wang on Thu, 08/14/2014 - 05:08

Apple-share-buybacksIn the first quarter, US companies returned a record amount of cash to shareholders via stock buybacks and dividends. This trend has helped drive the stock market's record-setting rally; but is this a good or bad sign for the bull market going forward?

Read more

Storm Warning: Warren Buffett stockpiling record cash

Submitted by Chris Wang on Wed, 08/6/2014 - 02:46

warren_buffett_cashBerkshire Hathaway just reported its most profitable quarter ever. Operating income topped $4.3 billion, far surpassing analyst expectations. Thanks to Warren Buffett's savvy investing, Berkshire is now sitting on its largest stockpile of cash in its storied history. Cash and cash equivalents are above $55.4 billion for the first time ever and is 55% higher than a year ago.

Read more

A Look Inside Captive Insurance Companies' Investment Portfolios (2014)

Submitted by Andrew Wang on Sat, 08/2/2014 - 07:57

Marsh recently published its 2014 Captive Benchmarking Report, analyzing 1,148 captive insurance companies (managed by Marsh globally) for benchmarking analysis. Since the credit crisis, captives that have a parent company have invested approximately one third of investments toward loans to their parent company or other intercompany investment. Prior to 2008, many more captives were invested in equities. The motivation behind intercompany investments with the parent entity or affiliates is to minimize the cost of capital employed in the captive and enhance the parent company's liquidity. Reinjection of resources to the operations of the parent company is also a side effect of the current low interest rate environment. Further, the parent company has greater control over the captive’s invested assets.


Read more

Wednesday Wangdoodles

Submitted by Chris Wang on Wed, 07/23/2014 - 09:00

doodleWelcome back to Wednesday Wangdoodles. We had so much fun with our first installment that we are back for the second time this month. For the newbies to Wangdoodles, I will help point you to interesting investment and financial articles that are worth a few minutes of your time. Hope you enjoy.

Read more


Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Runnymede Capital Management, Inc.), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from Runnymede Capital Management, Inc. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Runnymede Capital Management, Inc. is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice. A copy of the Runnymede Capital Management, Inc.’s current written disclosure statement discussing our advisory services and fees is available for review upon request.


Annuity Review Database