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Southern Capital Advisors

Insights

RMDs Are Back!

After being halted for a year, RMDs are back! Those with traditional IRAs and who are 72 years and older must take annual required minimum distributions (RMDs).

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A Few Thoughts on Investing in Cryptocurrencies

Over the last few months, I have talked to several clients about cryptocurrencies and particularly Bitcoin and similar offerings. Either Bitcoin is a massive bubble or the digital currency of the future. The reality is likely somewhere in the middle.

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A Message from Lee

I hope that as I have gotten older, I have gotten smarter. Not only smarter about day-to-day things with my family and my job but smarter in becoming more aware of how interconnected things can be.  For those of you who have been with us for many years you might remember the conversations we had regarding risk and return with your portfolio.

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What Should I Do With My RMDs?

If you are like most of our clients, you have spent years contributing to your employer’s retirement plans (401(k), 403(b), etc.) and maybe even your Individual Retirement Accounts. Your intention was to grow these accounts and ultimately turn them into a source of income in retirement or pass it along to the next generation. That plan typically works well until you turn age 72, and then the IRS requires you to start taking distributions from your retirement accounts because, ultimately, Uncle Sam wants you to pay tax on these accounts. Since you will be, or are currently, required to take these distributions, the question that many people have is “What should I do with my RMDs?”

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The Importance of Growth in A Near-Zero Interest Rate Environment – and the Averages Don’t Tell the Story

Throughout the years many of our clients have depended on their investments to provide a reliable source of income in retirement. And as years go by, we all notice as the costs of goods and services slowly increase. Inflation over the last 100 years in the United States has averaged about 3.1% annually. Over the last 10 years, however, that rate of inflation has slowed to a range of 1-2%. In that same time frame we have seen yields on bank deposits and government-insured bonds drop significantly. The average yield on a 10-year treasury bond over the last 100 years has been around 5.50% — today that yield is about 0.98%. We share this data with you to help frame the issues we see facing all of us over the next few years regarding risk versus return. Investors don’t seek risk just for the sake of being risky. The way the game works is like this:  the more risk you take, the more potential for return (reward) you should get. Sounds simple, but in today’s environment it really is not.

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Solutions

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Investments keeping you up at night?

Find your Risk Number® now.

At Southern Capital, we are not just concerned with helping you achieve your goals, but also with helping you reach those goals in a way that is appropriate for you. One of the ways we accomplish this is by ensuring that your portfolio risk is adequate to meet your personal goals while not exceeding your capacity and tolerance for risk. To assist us with this process, we utilize Riskalyze, an award-winning risk alignment software. Riskalyze generates a personal risk number to pinpoint how much risk you want, how much risk you need to take to reach your goals, and how much risk you have in your portfolio.

Find Your Risk Number®