CMP Financial Planning

Investment Planning


How to Avoid Panicking When Your 401k is Down

- Jun 17, 2020

The best way to avoid panicking when the balances in your 401k or other investment accounts go down is to learn some basics about the stock market and develop good investing discipline/habits. Over and over, research shows that emotional investment decisions means worse investment returns. The key to successful investing is more about having a disciplined…

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How are you Coping with the Coronavirus Outbreak?

- May 20, 2020

If you are like us, you are probably having trouble processing all the massive changes that are rapidly occurring as a result of the coronavirus outbreak. It is no doubt shocking to see grocery store shelves empty, restaurants closed, and meetings canceled.  The Coronavirus outbreak and your investment portfolio We are encouraged by your reactions (or lack…

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Stock Market Concerns: Special Bulletin

- May 13, 2020

Information as of March 10, 2020 We have heard from a few of you about your stock market concerns but suspect there are many more who share in those concerns. We invite you to read our upcoming market analysis in the newsletter which you should be receiving in a few days, but thought a timelier…

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Special Bulletin Regarding the Stock Market

- Jan 01, 2019

While the Christmas holidays may provide us with many reasons for celebration, the precipitous volatility and decline of the stock market indexes is certainly not one of them. A typical 60/40 portfolio was down nearly 10% for the year as of Christmas, with much of that decrease occurring in December alone.  So please be forewarned that unless…

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Investing in Socially Responsible or Sustainable Funds

- Sep 27, 2018

 By Christina Povenmire, MBA, CFP® According to the 2014 Nielsen Global Survey of Corporate Social Responsibility, more than half of consumers surveyed globally said they would be willing to pay more for products and services from companies committed to a positive social and environmental impact. And when it comes to investing, a recent Morgan Stanley survey…

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Evaluating Your Portfolio’s Performance

- Sep 06, 2016

For many of us, evaluating our investment account statements is like going to the dentist:  it’s the right thing to do but we would rather put it off!   Sure, we want to feel good about our investments’ performance.   Charting investment returns?   Ranking investments, picking a strategy?   About as much fun as that dentist visit. The good…

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Surefire Ways to Increase Investment Returns!

- Sep 10, 2013

Surefire Ways to Increase Investment Returns! While academic research has shown it is difficult or impossible to beat market returns, often we can effectively improve our returns simply by reducing the taxes on our investment income and gains! The first step is to understand how tax treatment differs for each account type, especially when taking…

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The Art of Asset Location

- Mar 23, 2011

The Art of Asset Location While academic research has shown that no manager can beat the market (not even on Wall Street!), we can, in effect, improve our returns by reducing taxes on our investment income and gains! Christine Benz has done a nice job of discussing this topic in her article What Goes Where?…

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