Financial Insights

KCM – On Balance July 2021

While the U.S. has not hit President Biden’s goal of a 70% vaccination rate by July 4th, covid restrictions are relaxing across the country and people are out and about—with many trying to make up for lost time. In some parts of the country it can be a challenge to get a restaurant reservation or book a hotel room as people are eager to enjoy life again after the long months of lockdown. The economy should benefit as consumers start traveling and spending. The stock market remains at record high levels, although some market strategists believe we could be in for a correction in the second half as manufacturing slows and the dollar strengthens. While this remains to be seen, a disciplined long-term strategy that looks past the inevitable blips in the market may offer investors a better route to achieving their financial objectives.

We kick off this month’s newsletter with a short video about inflation, what it means to you and why it’s not the signal of an imminent downturn. Our next piece looks at the possibility of cryptocurrency as a 401(k) investment option and discusses why that might not be the wisest idea. Our third article discusses the many benefits a Roth IRA can offer investors. While we’re on the topic of retirement investment vehicles, we look at how to structure income from these vehicles in retirement to maximize tax efficiency. Finally, we take a trip across the US to find the best ice cream in every state.

Articles of Interest

Inflated Fears About Inflation?

There’s been a of talk about inflation in the news lately, and some investors have reacted with trepidation. However, inflation doesn’t mean a downturn is imminent. Watch this short video to learn more about the current outlook regarding inflation and what it means to you, especially when it comes to retirement.
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Some 401(k) Plans Might Start Offering Cryptocurrency as an Investment Option. Here’s Why That’s a Bad Idea.

Cryptocurrency is a hot new investment craze and proponents argue that 401(k) investors deserve to enjoy access to the same types of opportunities as wealthy and institutional investors. However, cryptocurrency comes with some significant risks. While investors can sometimes see extravagant returns within a short period, it’s also possible to lose a great deal of money. There have also been instances of considerable fraudulent activity within the space. Read on to learn why cryptocurrency might pose greater risk than the average retirement investor can tolerate.
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Why You Need a Roth IRA

The Roth IRA is one of the most valuable retirement savings tools available for investors under certain income thresholds. Invest according to the rules and the money put into a Roth IRA grows tax free. That’s tax-free forever, as no taxes are due when you withdraw during retirement. The Roth IRA offers considerable flexibility, and you can invest in most assets, from stocks, bonds, and mutual funds to real estate. There are also several other benefits regarding first-time home purchases, educational expenses and more. Read on to learn more about how a Roth IRA might benefit you.
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How to Generate Tax Efficient Retirement Income

Most people use a variety of investment vehicles to save for retirement. When it comes time to reap the fruit of your labors, it’s vital to consider the tax implications when determining how to structure your income. The withdrawal strategy you choose to draw down accounts can make a big difference in your tax liability and have long-lasting effects on you and your heirs. Read on to learn how to generate income in the most tax efficient way.
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The Best Ice Cream in Every State

Blazing sun and rising temperatures can discourage the appetite but there’s nothing more appealing in hot weather than a dripping cone of frozen goodness. Click on the link to get the scoop on the finest ice cream across the United States. If you are traveling this summer, you may want to make a side trip to one of these shops.
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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.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 exempted from registration requirements. 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 email will be profitable. As with any investment strategy, there is the possibility of profitability as well as loss.

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.

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

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