401(k) Loans: Borrowing from Your Future

401(k) Loans: Borrowing from Your Future

If you need funds to cover an unexpected expense, taking a loan from your 401(k) account may sound appealing. Although many retirement plans offer these loans, borrowing from your 401(k) comes with unique risks and costs that can seriously compromise your long-term...

February 2024 Market Thoughts

Brad McMillan, Commonwealth’s CIO, recaps January’s market and economic news. The U.S. stock market reported lower-single-digit gains, while international and emerging markets lagged behind. The economy performed well, as strong retail sales, a healthy jobs market,...
Market Update: January 2024

Market Update: January 2024

Quick Hits Positive Start to the Year Mixed Month for Bonds Economic Growth Continues Update from the Fed Risks to Monitor  Solid Foundations for the New Year Positive Start to the Year  It was a solid start to the new year for markets, with all three major U.S....
Do-Over Options for Social Security Claiming Decisions

Do-Over Options for Social Security Claiming Decisions

If you claim your social security benefits and later realize doing so might not have been in your best interest, you may have an opportunity for a do-over. There are three strategies that may apply, depending on your individual circumstances. Let’s take a look at...
Emotions of Investing

Emotions of Investing

Logic and emotion have never been a perfect pairing. It is logical for investors to stay focused on their long-term goals during volatile markets, but emotionally it is very difficult to follow this reasoning. Emotional instincts, which may be valuable in certain...