Retrofit Your Portfolio Before the Next Market Crash

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Are you ready for the next stock market crash? It’s easy to get complacent when the market is good but never forget that downturns are unavoidable. Tune in as Keith unveils proven strategies on how to retrofit your portfolio, before the next crash.

Tune in to Smart Money with Keith Springer every Saturday at 1 p.m. and Sunday at 6 a.m. on NewsRadio, KFBK.

Listen to last week’s show, “The Ten Things Your 401(k) Won’t Tell You”

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The Ten Things Your 401(k) Won’t Tell You

Strategies to build your ideal 401(k) and retirement plan

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Does the quality of your life come down to the quality of your investments in your 401(k). That is the case for too many Americans, but it doesn’t have to be for you! Tune in this week as Keith dissects the 10 things your 401(k) won’t tell you and he unveils specific strategies to build your ideal 410(k) and retirement plan!

Tune in to Smart Money with Keith Springer every Saturday at 1 p.m. and Sunday at 6 a.m. on NewsRadio, KFBK.

Listen to last week’s show, “What Can American Idol Teach You About Investing”

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What Can American Idol Teach Us About Investing?

ao_logoWhat can you learn about investing and retirement planning from American Idol?  Tune into Smart Money with Keith Springer,  as Keith interviews American Idol mentor, Scott Borchetta.  We’ll talk showbiz, investments, retirement planning and even a little about Taylor Swift.

Tune in to Smart Money with Keith Springer every Saturday at 1 p.m.  and Sunday at 6 a.m.  on News Radio, KFBK.

Listen to last week’s show  “How To Navigate the 4 Most Important Retirement Changes

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ALERT: 5 Reasons Why I Am Cautious On This Market

caution graphicThis morning’s jobs report was just what the doctor ordered; Job growth was strong enough to keep the economy steaming along, but not strong enough to force the Fed to raise rates in June. The 223,000 new jobs created brought the unemployment rate down to 5.4%, the lowest in 7 years.

This good news has me a little worried. Stocks typically forecast 12–18 months out, so while they are going up, they are already looking ahead. In turn, stocks start to drop even while the news is still good. I’m not saying the economy is stumbling, but there are some issues that create concern which could frighten investors. For now, I believe the bull market is intact. However, a bear market and another crash are inevitable and way overdue, so stay alert, just as we do every day for our clients.

Below are 5 Reasons why I am cautious about this market.

1.  Rates are going up…eventually. It won’t be in June, but with today’s strong jobs report, maybe in September. Even if you believe that the Federal Reserve will not act until 2016, the gradual increase is inevitable. We are already feeling a steady rise in home mortgages and car loans, neither of which bode well for the economy. If rates keep rising, the fragile real estate market will get slammed.

2.  “Sell in May and go away” is an old market adage that warns investors to be cautious from May to November. Since 1950, the Dow Jones Industrial Average has had an average return of only 0.3% during the May-October period, compared with an average gain of 7.5% during the November-April period. Now, I am not saying sell everything and go to cash. That would be just as detrimental. Every day you sit in cash, your money is dead…worse than dead: you are losing 5.5% to purchasing power, inflation and taxes. The key is to make money in any market and not get hurt in a bad market by being properly invested. “Invest for need, not for greed” I like to say. In times like these, be the expert or hire one and work with a qualified retirement advisor so you have a plan for the good times as well as the bad.

3.  Oil has risen 50% in the last 2 months, from about $40 per barrel to $60, the sharpest gain since the 1979 oil crisis. As a result, we have just lost 30% of our capital influx for consumers since oil peaked last year at $107 a barrel. I’m sure you’ve noticed the rise in the price of gasoline at your local pump.

4.  The dollar has given back about half of its gains against the Euro this year. When it was realized that rates would likely not rise in June, which is what I have been saying all along, it fell back. We saw evidence of this last week with a weak US trade deficit report, the worst since the crisis days of 2008. It jumped from $34.9 billion in February to $51.4 billion in March; that’s up a staggering 41% month to month. Obviously foreigners are flooding the US market with their cheaper goods. This will continue to hurt the profits of big multinationals.

5. It’s political season again. This is a big one and generally below the radar of most forecasters and advisors. New candidates must convince us how terrible the economy is so we vote for them. Even though it’s not true, we’ll hear it enough to make us wonder.

Whether you are a bull or a bear, one thing is for certain: as you get older it gets harder to replace money and tougher to stomach volatility and losses…… and that’s where we can help. To learn more about The Springer Investment Approach, which is our powerful proprietary Investment Management Strategy designed to manage risk and deliver returns in any market, or to get a free second opinion on your portfolio, simply reply to this email or give us a call for a free consultation today.

Sincerely,

Keith Springer

916-925-8900

P.S. If you know of someone who would enjoy my newsletters or use of our services, I would very much appreciate the introduction.

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How to Navigate the 5 Most Important Retirement Changes

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Do you know how to navigate the 4 major areas of risk that you must control to retire comfortably and stay that way?  Tune into Smart Money with me Keith Springer this week as I unveil advanced strategies to beat these 4 major threats.

Tune in to Smart Money with Keith Springer every Saturday at 1 p.m.  and Sunday at 6 a.m.  on News Radio, KFBK.

Listen to last week’s show  “5 Critical Strategies For a Stress Free and Successful Retirement”

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5 Critical Strategies For A Stress Free and Successful Retirement

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5 Critical Strategies For A Stress Free and Successful Retirement
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Investing “right” and retiring comfortably does not happen by accident. Tune in this week as I discuss the “5 Critical  Steps For A Stress Free and Successful Retirement,” and specific investment strategies to help you achieve your dreams.

Tune in to Smart Money with Keith Springer every Saturday at 1 p.m.  and Sunday at 6 a.m.  on News Radio, KFBK.

Listen to last week’s show  7 Often Overlooked Ways to Reach Your Retirement Goals”

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Reba McEntire Tells All…

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rebaWould you like to know how celebrities invest their money?  Well, here is your chance!  Tune in this weekend as Keith interviews Grammy award winning singer and TV star, Reba McEntire, live in the studio this Saturday afternoon at 1pm and Sunday Morning at 6am right here on News radio, KFBKK!

Listen to last weeks show “7 Highly Effective Retirement Savers”

 

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. and now on Sunday at 6AM on News Radio, KFBK.

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7 Habits of Highly Effective Retirement Savers!

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Do you want to retire, be able to stay retired, all while living comfortably and stress free?  Well it doesn’t happen by accident!  Tune in to Smart Money with Keith Springer, as Keith explains the “7 Habits of Highly Effective Retirement Savers” and their extraordinary investment strategies, this Saturday at 1pm and Sunday at 6am, on KFBK!

Listen to last weeks show “Are Stocks Overpriced, Over Leveraged, and Headed For Trouble?”

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. and now on Sunday at 6AM on News Radio, KFBK.

 

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Are Stocks Overpriced. Over-leveraged, and Headed For Trouble

The office of Financial Research, the agency tasked with promoting financial stability and keeping an eye on markets, released a paper last week stating that the stock market is dangerously overpriced.  Stating that excessive leverage will exacerbate the next market correction and that “stocks are overpriced, overleveraged, and headed for trouble.

Tune in this week as Keith analyzes this report and unveils specific strategies to position and protect your portfolio.

Listen to last weeks show “The Five Critical Steps for a Successful Retirement.”

Listen to Smart Money with Keith Springer every Saturday at 1 p.m. on News Radio, KFBK.

 

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Brief Market Video Update

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