Trajan's Tactical Tips

A blog for everyday financial tips, Trajan news updates, and more

May 2023 Market Review

May 2023 Market Review

The US financial markets have been performing well in 2023, with stocks and bonds showing strong returns up until the end of May. However, there are signs of stress in the “high yield” corporate credit market due to higher front-end interest rates (maturities of 1-5 years). We anticipate increased market volatility in the future, as financing costs continue to rise rapidly, potentially impacting economic growth and corporate profits.

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Annuities: What they are and how they work

Annuities: What They Are and How They Work

Having enough retirement income is a top concern for many Americans nearing or in retirement. Having enough retirement income for what you need and want is essential and must be planned for, even in the best economic conditions. A way to provide income safety is by using annuities as an asset class in your retirement portfolio. Here’s a brief overview of the different types of annuities that can provide an alternative for retirees seeking income and safety.

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What you need to know about purchasing life insurance

What You Need to Know About Purchasing Life Insurance

Life insurance is a great addition to your portfolio that help can protect your loved ones and beneficiaries if you unexpectedly pass away. While no amount of money can ease the grief of losing someone, life insurance may help reduce the financial burden they may face. It’s important to know how life insurance works and what to consider when purchasing life insurance, so you can make an informed decision before you buy. 

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3 ways to save for your child's retirement
Retirement Planning

3 Ways to Save for Your Child’s Retirement

Helping your child save for retirement starts with financial education and discussing the importance of saving for their future. Besides financial education, there are strategies to help them get a head start on their retirement savings. Life Insurance, 529 plans, and Roth IRAs are all great options to discuss with your financial profesisonal.

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Memorial Day

Memorial Day 2023

On this Memorial Day, we must pay tribute and respect to the brave souls who laid down their lives for our beloved nation. We are blessed to reside in the greatest country on earth, and it’s our responsibility to uphold their legacy by striving towards excellence.

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April 2023 Market Review

Currently, the Federal Reserve Bank is selling assets from its balance sheet, decreasing the money supply and shrinking the monetary base, adding more concern to the banking industry and the market. With tightening money supply and higher interest rates, it is unrealistic to expect equity market returns higher than the growth in corporate profits. Investors today cannot rely on that past growth moving forward.

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7 ways to increase Social Security Benefits
Retirement Planning

7 Ways To Boost Social Security Benefits

There is no one size fits all age; your unique circumstances and goals will dictate the appropriate time for you to take Social Security retirement benefits. Some SS strategies may boost your monthly benefit amount, helping you get the most from your SS benefits.

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Games that teach children financial literacy

10 Games to Teach Kids Financial Literacy

When is the last time you played Monopoly? Financial literacy activities may help prepare children for financial confidence in adulthood and help parents and children feel more comfortable talking about money. Teaching children about money and financial literacy using games can make learning fun. Here, we outline ten financial literacy games for kids of various ages.

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