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Portfolio down? It may be your bonds

With equities being flat for the year, (S&P 500 has a 1.78% gain year to date) you may be wondering where the recent volatility is coming from. Unless you are an aggressive investor who only owns stocks, you likely also own bonds and depending what kind, they could be the cause of your concern. Bonds are considered “safe” investments because they are guaranteed by the issuer. Most people own government bonds and the U.S. government has always repaid its debts without issue. What’s less commonly known is that every bond has a maturity schedule and it’s only at maturity that bonds are fully repaid. If you’re holding bonds in the interim then you’ll ride volatility that’s often felt with equiti

Why it’s difficult for expats to invest

Americans who move overseas find themselves with limited options for investing their money. The IRS follows you abroad, requiring that you report your worldwide income and offshore assets. No other country, other than Eritrea, taxes you on worldwide income. Brokerage firms Expats who invest in their host country are subjected to the Foreign Account Tax Compliance Act (FATCA) which increases complexity for the taxpayer. The brokerage firm holding your investments is also subject to these rules and they have been known to close Americans’ accounts to avoid the complexity and legal risk. Expats may choose to leave their money in the U.S. The U.S. brokerage firm housing your investments may not

Is the bear market finally over?

Finally overcoming the first bout of volatility not seen since 2016, the S&P 500 is up 2% so far this year. This return is thanks to last week’s stellar performance. But what caused this volatility and should we expect more in the near future? On top of the usual headline news, economic factors appeared to have had the most influence on the recent market turbulence. The Federal Reserve pushed rates higher, thrusting the 10-year Treasury yield to 3%, something not seen since 2011^1. This has caused panic as equity investors begin to realize that they can earn more on safer, government-backed assets, such as treasury bonds. On top of that, a dramatic sell-off in the Argentinian peso, forcing

Retirement plans for U.S. expats

If you moved abroad, working, and wondering about your options for saving for retirement, then this article is for you. Unlike in the U.S., it can be less obvious as there are the additional tax and investment considerations that make saving for retirement more complicated. Fortunately, with the right advice, it’s possible to save and is strongly encouraged. Saving by way of funding retirement plans (401k, IRA, Roth, SIMPLE, and SEP) are generally available to expats subject to U.S. tax. Many opt in to taking the Foreign Earned Income Exclusion (FEIE) and are then less likely to be eligible for a retirement plan. "While using the FEIE could preclude you from using some of the retirement fu

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Eureka Wealth Management is a registered investment adviser in the State of California. The adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment advisory services. Investments involve risk and are not guaranteed. Be sure to consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.