Prato Perspectives
Some thoughts and insights for the long term investor
RMD’s
May 5, 2023 Few people think about Required Minimum Distributions (RMDs) until they have to. Required Minimum Distribution (RMD) Requirements Generally, RMDs are the minimum amount of money that a person must withdraw from a retirement account each year when...
Interest Rates and Your Portfolio
April 6, 2023 Everyone has an opinion on what the Federal Reserve should do with interest rates during their next meeting in May. Analysts and economists are dissecting every word said by Fed officials trying to get a head start...
The Randomness of the Markets Explained
March 10, 2023 Last month we looked at the different sectors of the US stock market and could see the variability of returns of each sector from month-to-month and over the longer term, from one year to the next. This...
How Much is Enough to Retire
March 6, 2023 A recent Bloomberg article, “How Much Do Investors Say They Need to Retire? At Least $3 Million”, noted that roughly two-thirds of investors they polled wanted between $3 million and $5 million as a nest egg before...
Sector Flip Flop
February 15, 2023 Many investors will look at historical returns to determine what may be a profitable investment for the future. This could be choosing a stock, fund, or sector of the market to invest in. When looking at...