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Educator and Financial Advisor, Ruben Ruiz Jr, teaches, educates, and provides consulting services to teachers and educators in wealth management and retirement planning. Money Concepts does not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by fans or any third-parties on our Facebook Fan Page. Money Concepts does not control, serve, adopt or endorse a
04/08/2022
Do You Have the Right Stuff?
Do You Have the Right Stuff? I've had the great fortune to work with advisors who are retired commercial or private pilots. These professionals are thoughtful, deliberate and unflappable in the face of challenge. To some extent, pilots are both born and made. It takes a certain kind of person to accept the responsibility of ope...
04/08/2022
How Green Bonds Will Fund a Green Future
How Green Bonds Will Fund a Green Future The range of issuers has broadened as well. Until recently, ESG bond issuance was mainly the preserve of investment-grade issuers. But in 2021, high-yield issuance across US dollar and euro markets quadrupled.
04/07/2022
Russia Invasion Energy Shock Prompts Monetary Policy Rethink
Russia Invasion Energy Shock Prompts Monetary Policy Rethink Russia's invasion of Ukraine has shocked the global economy, in particular by fueling further spikes in energy and commodity prices. The new inflationary catalysts will have differing effects on monetary policy moves because regional economies are starting from different places, which will determine...
04/07/2022
Being Selective in High-Yield Credit Can Help Multi-Asset Strategies
Being Selective in High-Yield Credit Can Help Multi-Asset Strategies Historically low interest rates have left investors with fewer fixed-income options to bolster portfolio yield. We think high-yield bonds-issuers rated BB or below-have become more attractive recently. High-yield spreads compared to US Treasuries are much wider than they were for most of 2021 and ar...
04/06/2022
Russia Invasion Energy Shock Prompts Monetary Policy Rethink
Russia Invasion Energy Shock Prompts Monetary Policy Rethink In the euro area by contrast, while the nominal paycheck is growing at a healthy rate of 4%-the strongest pace since the Global Financial Crisis-real paycheck growth is stagnant or even slightly down. As a result, rising prices erode consumers' purchasing power.
04/06/2022
Inflation TIPS for Fixed-Income Investors
Inflation TIPS for Fixed-Income Investors Inflation TIPS for Fixed-Income Investors What happens when you combine the tipping point of two deflationary forces-globalization and demographics-with a pandemic, epic supply-chain disruptions and an invasion in Europe? Inflation of a magnitude not seen since the 1970s. Some of the contributing fa...
04/05/2022
Emerging-Market Sovereign Debt Needs ESG Scrutiny
Emerging-Market Sovereign Debt Needs ESG Scrutiny Transcript: Patrick O'Connell: At AllianceBernstein, we feel like we have a differentiated way to approach ESG investing. We have a 360-degree view of analyzing ESG risks from all parts of a company or country's stakeholders. Further, we have our proprietary methodology to bring that information to....
04/04/2022
Inflation TIPS for Fixed-Income Investors
Inflation TIPS for Fixed-Income Investors What happens when you combine the tipping point of two deflationary forces-globalization and demographics-with a pandemic, epic supply-chain disruptions and an invasion in Europe? Inflation of a magnitude not seen since the 1970s. Some of the contributing factors may be transitory, but not all, and....
04/04/2022
The Long View: Russia-Ukraine War Has Lasting Implications for Investing
The Long View: Russia-Ukraine War Has Lasting Implications for Investing When Russian president Vladimir Putin sent troops into Ukraine, he unraveled decades of efforts to cement peace in Europe after the Cold War. For investors, the new world order has shaken up broad issues that shape our analysis of asset classes and securities. The humanitarian tragedy we are witness...
04/02/2022
ECB's Surprise Taper Decision Comes with Economic Risk
ECB's Surprise Taper Decision Comes with Economic Risk At its March 10 meeting, the European Central Bank (ECB) surprised the market by announcing an acceleration of its tapering program-wrapping up securities purchases earlier than anticipated. Most investors had expected the ECB to delay any changes to its purchases until at least the next policy meet...