Financial Insights

KCM On Balance – December 2023

Along with festivities, December is often a time of reflection and planning. As the year ends, we encourage you to celebrate successes—financial and otherwise—and think about your objectives for the coming year.


In the spirit of the season, we wish you all the best for a prosperous and joyous December.


Recent economic data suggest the economy is slowing, as U.S. consumer spending, inflation, and the labor market have all cooled. In addition, inflation has significantly slowed down this year, suggesting that the Fed may end its interest rate increases.


Consensus opinion points to a slowdown in the economy and inflation in 2024; however, it’s important to note that these predictions may not necessarily turn out to be accurate and they’re more often wrong than right.


Successfully predicting economic events and market responses is a challenging task. Investors are better off building portfolios based on long-standing empirical evidence rather than relying on speculative predictions.


Wishing you a season filled with joy, health, and happiness.


For more details, see the November Market Commentary below.

Articles of Interest

November Market Commentary

Perspective and insights on markets, headlines, and the economy.

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Why Market Timing Doesn’t Work: S&P 500 Is Up 14% This Year, but Just 8 Days Explain the Gains

The key to investing isn’t market timing—it’s consistent investing, long-term market participation, and understanding your own risk tolerance.

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Concern Over Market Valuations

Investors’ concern about high stock valuations stems from a subset of stocks. However, investors should be careful not to throw the baby out with the bathwater by attributing this characteristic to the global stock market.

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Income Tax Brackets for 2024 Are Set

Although a Roth conversion can be an effective tax planning strategy, there are a few things to keep in mind as you weigh whether to take the plunge and decide how much money you should convert in a given year.

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401(k) Contribution Limits In 2024

Your 401(k) can help you maximize investment contributions and save enough money to fund your lifestyle in retirement. Learn about contribution basics and what’s new for 2024.

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Your Ultimate Gift Guide for 2023 — Featuring the Best Gifts for Every Budget, Occasion, and Type of Person

Gifts for every occasion, holiday, budget, and just about every person in your life — including a list of Business Insider’s all-time best products.

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Advisory services offered through KCPAG Financial Advisors LLC and insurance services offered through KCPAG Insurance Services LLC, subsidiaries of Kemper Capital Management LLC. Tax services offered through Kemper CPA Group LLP.

Please note that not all products and services discussed will apply to all firms. Please consult with your Compliance and/or OSJ for usage requirements.

Symmetry Partners, LLC, is an investment advisory firm registered with the Securities and Exchange Commission. The firm only transacts business in states where it is properly registered, or excluded or exempt from registration requirements. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission.

No one should assume that future performance of any specific investment, investment strategy, product, or non- investment related content made reference to directly or indirectly in this newsletter will be profitable. You should not assume any discussion or information contained in this email serves as the receipt of, or as a substitute for, personalized investment advice. Symmetry does not provide tax or legal advice and nothing either stated or implied here should be inferred as providing such advice. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions.

Investors cannot invest directly in an index. Indexes have no fees. Historical performance results for investment indexes do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment management fee, the occurrence of which would have the effect of decreasing historical performance results. Actual performance for client accounts will differ from index performance.

Symmetry Partners, LLC, is not affiliated with any firm mentioned in this material.

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