Runnymede Blog

Academy Award Winning Investment Advice

Submitted by Andrew Wang on Fri, 02/20/2015 - 08:00

investment adviceEver since listening to the intensely popular Serial podcast, I have continued to be hungry for informative, entertaining, audio content that is on-demand whenever I want it. Without boundaries to my curiosity, I've been enjoying everything from Planet Money to This American Life to The Advanced Selling Podcast to Sodajerker to The Nerdist. Better 10 years late to the podcasting bandwagon than never!

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Does My Financial Advisor Need To Be Local To My Area?

Submitted by Andrew Wang on Wed, 02/18/2015 - 11:56

local financial advisorWith visitors to this website/blog representing all 50 US states and 145 countries over the last 12-months, this is a question that we hear quite often. There is no doubt that the world is shrinking and the way that we consume products and services is changing.

Case in point, without leaving my desk in New Jersey, I recently worked with a mortgage broker in Minnesota, printed brochures in Tennessee, and bought a ski helmet from Utah. Thomas L. Friedman, author of The World Is Flat, writes, "The simple definition of globalisation is the interweaving of markets, technology, information systems, and telecommunications networks in a way that is shrinking the world from a size medium to a size small." Financial advisors do not operate in a vacuum so it only makes sense that the way clients are selecting and working with their financial advisors is also changing.

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Top 10 Blog Posts of 2014

Submitted by Andrew Wang on Fri, 02/13/2015 - 02:13

top financial blogIf 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 2014:

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An impartial review of the American Equity Bonus Gold Annuity

Submitted by Chris Wang on Wed, 02/4/2015 - 11:03

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 the American Equity Bonus Gold Annuity which has been requested by several readers in recent weeks. It is one of the best selling indexed annuities of all-time. 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.

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3 Unique and Unusual Tips to be Financially Fit in 2015

Submitted by Chris Wang on Wed, 12/31/2014 - 09:00

2015Today is December 31st again. My daughter is repeating everything I say, I'm finding more gray hair and the wonderful holiday treats are making my pants tighter and tighter. It must be time to make some New Year's resolutions so we can get our lives back on track. Whenever you read articles on becoming financially fit, you read about budgets, planning, monitoring and other boring crap. Worry not, I won't mention any of these terms. I promise. So here are 3 unique and unusual tips to be financially fit in 2015!

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Wall Street Strategists Don't See an End to the Bull Market

Submitted by Chris Wang on Mon, 12/29/2014 - 10:08

Wmedium_728933695ith just 3 trading days left in 2014, it is time to look ahead to 2015. What do Wall Street strategists foresee for 2015 and should we even care?

Perhaps you are familiar with Philip Telock's landmark UC Berkeley study that looked at 82,000 predictions over 25 years by 300 leading economists. It turned out that their so called expert views were no better than random guesses, and worse, the more famous, the less accurate the prediction.
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Three Reasons to Combine Old 401k and IRA Accounts

Submitted by Andrew Wang on Fri, 12/19/2014 - 03:10

7027595775_3738f2757e_zIt is not uncommon to have multiple 401(k) accounts after switching jobs several times over a career. According to a Fidelity survey, almost a third of people who transitioned jobs were not sure what to do with their old 401(k) or 403(b).1 Changing jobs is a busy time so thinking about what to do with your old 401(k) is often not a priority. If you are among the many busy people who have multiple retirement accounts at different firms, this post is for you.

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The Winners and Losers of Falling Oil Prices

Submitted by Chris Wang on Mon, 12/1/2014 - 02:37

Since June, oil has been oilpricedown.storyimageon a sharp decline from $107/barrel to $67/barrel. Thanks to slowing global growth and OPECs reluctance to cut supply, oil prices have fallen to their lowest levels since 2009. As a consumer it is wonderful to see gas prices around $2.50 again. It's been a long time coming. You often read that consumer stocks are the big beneficiaries of falling oil prices but is this truly the case? Let's take a quick look at the potential winners and losers of falling oil prices...

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Giving Thanks for Family, Food and... the US Economy?

Submitted by Andrew Wang on Thu, 11/27/2014 - 11:00

asset allocationFor many, Thanksgiving is about traditions. It's a time for traveling to spend time with family and friends. It's about sharing favorite recipes - turkey, stuffing, and grandma's famous pie. It's about community, gathering locally to watch a high school football game or watching a game huddled around the family TV. At our house growing up, my parents always hosted family as well as friends who did not have family nearby. We look forward to doing that again this year. Thanksgiving marks a return to a simpler time, providing temporary solace from a volatile world full of geopolitical risks, racial tensions and economic worry.

Today, I give thanks to friends, family, food, football and... yes, the US economy.

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3 Steps to Protect Your Brokerage Account From Cybercriminals

Submitted by Chris Wang on Fri, 11/7/2014 - 11:44

hackerWe are all aware of the increasing risks of cybercrime. Target, Home Depot and other major retailers have exposed the vast majority of Americans to cybercriminals; but most of us haven't seen the after effects... at least not yet. Therefore it is of utmost importance to protect your personal data as much as possible because you don't want to have your identity stolen. To do this you must stay ahead of the curve and more importantly ahead of the criminals.

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IMPORTANT DISCLOSURE INFORMATION

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.

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