Fed Rate Cuts & Your Retirement: CT High-Net-Worth Strategies
The Federal Reserve’s decisions don’t just make headlines; they ripple across portfolios, especially for high-net-worth individuals. In particular, interest rate cuts can shift the entire dynamic of how investments behave and how long wealth lasts in retirement. Rate cuts can impact everything from bond income and real estate performance to equity market volatility and inflation pressure. And if your wealth strategy was built around the assumptions of a high-rate environment, now is the time to revisit it. At Heritage Capital, […]
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Date: October 24, 2025
Punishing Gold & Silver Late Comers
Last week I wrote about gold, silver, rare earths and quantum computing sectors showing classic signs of greed and euphoria. Recall the man on the train to NYC who told me to “buy gold” and “those AI stocks”. Then I had a friend advise me to load up on silver. This friend had never offered me investment advice. Of course, the gold commercials are back. And the pundits on TV have revised history about buying gold 50-75% lower than current […]
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Date: October 22, 2025
All-Time Highs On The Way – Monday Morning Soapbox Preach
During the 2.8% plunge two Friday’s ago, I stated that the data suggested bullish implications over the ensuing five and ten days. Although I heard the media discuss the volatility and difficulty of last week, the markets were up and they look higher in the pre-market. As I always say, check the narratives and spin at the door. Use non-emotional data for decisions and analysis. Seasonal headwinds start to lighten up at the end of the week and the indices […]
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Date: October 20, 2025
Private Credit & Contagion Risk The Culprit
I have been discussing a 2-5% pullback for a few weeks, certainly not knowing why the market would pull back, only that it was set up. We now know the culprit, private credit and regional banks. For months, the alternative asset managers have been falling and hit with the ugly stick. Ares, KKR, Blackstone and Blue Owl are among the major ones. I had no idea why other than thinking there was an interest rate dislocation somewhere. That assumption was […]
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Date: October 17, 2025
Volatility Up, Small Caps Lead & 3 Year Anniversary
Volatility has certainly increased. From less than 15 to over 22. That’s almost 50% in short order. Stocks are int he midst of the mild pullback I have written about. 2-5% is the range on the downside. Weakness remains buyable. You know where money is going on an index level? The same place I have written about for six months, small caps. Below is a chart showing the small caps relative to the large caps. When the link goes up, […]
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Date: October 15, 2025
Stocks Plunge – Bullish Implications
Friday was an ugly day for risk assets as most saw their largest one day plunges since the tariff tantrum period in April. A pullback has been for a while. 80%+ of the volume was in stocks that declined. What rallied the most was hit the hardest. The QQQ which tracks the NASDAQ 100 saw a volume spike to almost 100 million shares as early, all-time high celebrations reversed when Donald Trump tweeted about hitting China with “massive tariffs”. Whether […]
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Date: October 13, 2025
Gold Is What Folks Should Worry About
Yesterday, I took the train to NYC for my Fox Business segment. As I normally do, I opened my laptop and got to work. While many know me as a serial socializer in life, I am laser focused on work when I travel. So I am working away and the man next to me leans over and says, “buy gold”. And then he adds, “and the AI stuff too”. Now, I don’t know much, but I do know that no […]
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Date: October 10, 2025
Pullback Not A Bubble – How To Manage Positions
Not much new since Monday, just more talk about an AI bubble which continues to be nonsense. I do enjoy reading the tweets and emails about how wrong I am, warning me of impending doom. Same folks who warned me about recession in early April and back in 2022 and 2023 because of inflation. These folks have become excellent contrary indicators. The markets are stretched. 100%. They have grinded and crept higher since mid-April without more than a mild pullback. […]
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Date: October 8, 2025
The Impact of AI on Your Retirement Portfolio
Artificial intelligence is no longer a concept on the horizon; it’s already influencing how companies operate, investments are evaluated, and wealth is managed. Suppose you’re an affluent investor in Connecticut, especially if you’re planning your retirement or have already retired. In that case, AI presents opportunities to grow wealth and risks that could erode it if left unaddressed. The real challenge isn’t reacting to every new headline about AI-driven stock rallies or market volatility. It’s ensuring your retirement plan and […]
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Date: October 8, 2025
A “Bubble”?
The news of the day is the OpenAI/AMD deal which is similar to the Nvidia/Intel deal. Both are excellent deals on the surface and win wins. The markets seems to be happy as AMD stock is soaring as is the NASDAQ 100 in pre-market. I am sure there will be more cries that this is the Dotcom Bubble all over again. It’s not. That’s only from lazy, ignorant pundits who don’t do their homework. If I had a nickel for […]
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Date: October 6, 2025
