January 28th, 2010
During 2009 you likely recover some 2008 investment portfolio losses.
2010 will be a more subtle, difficult wealth flow environment.
I can review your wealth goals and provide a plan to meet them.
Talk with me to decide, if I can do what I say.
We develop strategies and manage risk
to meet your wealth distribution needs.
- Joseph Banach, Chartered Financial Analyst
From this site you will be able to:
- Learn about Financial Behaviors and Risk Management
- Review Investment Management Strategies
- Read monthly Market Commentaries
- Find Investment Guidance Services
- Please contact us if we can be of service.
This site is for information only. It should not be construed as a soliciation of advisory services in any state where BWM is registered or de Minimus laws apply.
- Website information is believed to be accurate. However, no guarantees are made. Investment strategy examples are for information only and are not forecasts of future returns. Investments in securities have risk of loss.
By Using This Site You Agree That BANACH WEALTH MANAGEMENT Is Not Responsible For Your Actions Or Decisions. Specific Client Wealth Management Services Are Not Provided On This Site.
- Thank You For Your Interest.
Banach Wealth Management is licensed by
the Nevada Division of Securities and
registered to do business in Nevada.
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January 28th, 2010
January* 2010 Markets Review
Watch Market Volatility
*written prior to last trading day (Jan. 29)
Key Points
- 2010 Year to date Returns
S&P 500 (1084) -3%
US 10 Yr Bond (3.65%) +2%
NASDAQ (2179) -4%
Foreign (EAFE) Stocks -4%
- U.S. GDP expected expansion = 2.9%
- 2010 earnings expected increase = 31%
- Stock markets advanced for 10 months
- Economic upturn strength approaching peak
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January 3rd, 2010
2009 Financial Markets Review
Extraordinary Monetary Leverage
Stabilized Private Entities Deleveraging
Mid 2010 markets likely to be volatile
Key Points
- 2009 Total Returns
S&P 500 (1115) 28%
U.S 10 Yr Bond (3.85%) -11%
NASDAQ (2269) 44%
Foreign (EAFE) Stocks 24%
- U.S. GDP likely contraction -2.3%
- 2009 earnings expected decline -5.6%
- Stock markets hit bottom in March
- Economic recovery in process
Link to full version BWM Letter
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November 13th, 2009
Lifetime Wealth Flow Guide
Section VII. Wealth Cycle Management
Chapter 17. Orchestrating Your Resources
Key Points
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October 31st, 2009
October 2009 Month End Markets Review
Normal Market Correction in process
Key Points
- 2009 Year to Date Total Returns
S&P 500 (1036) 17%
U.S. 10 Yr. Bond (3.38%) -18%
NASDAQ (2045) 29%
Foreign (EAFE) Stocks 19%
- U.S. GDP expected contraction = -2.3%
- 2009 earnings expected decline = -7.1%
- Stock markets hit bottom in March
- Economic recovery in process
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October 18th, 2009
Section VII. Wealth Cycle Management
Chapter 16. Tactical Adjustments to Support Wealth Strategies
Key Points
- Tactics smooth out strategic portfolio return changes
- Tactics change with time horizons and risk tolerances
- Satellite asset tactics must often be more complex
than core asset tactics
- Tactics include both change from and return to
strategic wealth allocations and cash flows
- Tax management tactics smooth out returns
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October 1st, 2009
Third Quarter 2009 Markets Review
Economic Recovery in process
How will it likely unfold?
Key Points
- 2009 Year to Date Total Returns
S&P 500 (1057) 19%
US 10 Yr Bond (3.31%) -17%
NASDAQ (2122) 34%
Foreign (EAFE) Stocks 22%
- U.S. GDP expected contraction -2.3%
- 2009 earnings expected decline -11.7%
- Stock markets hit bottom in March
- Economic recovery started
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September 24th, 2009
Section VII. Wealth Cycle Management
Chapter 15 Wealth Life Cycle Strategies Draft
Key Points
- Risk Awareness (self/asset/markets) is vital
- Resource capital (human/financial) shapes
wealth (accumulation/distribution) cycle
- Wealth process counts in long time horizon
- Objectives lead to strategies, which should
be tested with scenario analysis
Summary
- Decide on wealth strategy accumulation and
distribution time horizons carefully
- Select investment portfolios, pensions, and
annuity weights based on personal risk
tolerances and risk boundary stress
reduction points
- Input your investment and annuity portfolio
at your age into a wealth cycle spreadsheet
by requesting it at jabanach@gmail.com
Play with it. Does your strategy achieve
your wealth objectives?
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September 1st, 2009
August 2009 Month End Markets Review
Coming out of an Economic Recession
Key Points
- 2009 Year to Date Total Returns
S&P 500 (1020) 15%
US 10 Yr Bond (3.40%) -19%
NASDAQ (2009) 27%
Foreign (EAFE) Stocks 16%
- U.S. GDP expected contraction = -2.4%
- 2009 earnings expected decline = -12%
- Stock markets hit bottom in March
- Recession at statistical end
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August 27th, 2009
Lifetime Wealth Flow Guide Draft
Section VI. Risk Aware Decision Making
Chapter 14. Asset Allocation - Tactical Decisions
Strategy without tactics is the slowest route to victory;
Tactics without strategy is noise before defeat.
-Sun Tzu, Chinese military strategist, 490 B.C.
Key Points
- Tactics should adjust strategic risks
- Riskier investment portfolio strategies
require more sensitive tactical controls
- Set tactical risk control boundaries within
emotional and financial tolerances
- Recognize the risks that specific tactics
add to strategies
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