Keith Springer’s Smart Money Newsletter The 4th Quarter and Beyond! 09122014

The 4th Quarter and Beyond!

 

To learn what’s going on in today’s world with the economy and financial markets, in plain English, and too see where stocks and bonds are headed be sure to watch this brief video update.

Hi. I want to give you a brief economic market update, what’s going on in the world. I like to write a few a couple of times a month. I like to do the conference calls, and make sure you’re listening to the conference calls, and a video now and again just to sort of keep you informed of what’s happening. Everyone’s looking at the stock market of course. A lot of people are waiting for the next shoe to drop so to speak. We’re in the middle of what we call, or what I like to call, the earnings nap, the post earnings nap, or [inaudible] nap. This is a period where before earnings come out, there’s nothing for investors or the market to focus on. So, what do they do? They focus on the headlines. The focus on Ukraine, worry about Russia. Well, all Russia’s trying to do is keep tensions high in order to keep oil prices high. Above 90 bucks a barrel, they make money. Below 90 bucks a barrel, they lose money and a lot of money. Of course, the President’s speech about ISIS, are we going to war again? Of course not, but no one likes to see uncertainty militarily of course. There are a number of hotspots around the world. But, typically, when earnings come out, investors focus on earnings. That’s what drives stocks one way or the other.

Earnings are going to come out in about three weeks, around the second week of October. I expect them to be better than expected. Again, we’ve had a series over the last number of years, earnings have been better than expected. Earnings will continue probably to be better, which will make the stock market rise. It doesn’t mean throw caution to the wind. That’s not what I’m saying. However, I do see a positive trend in the market. The economy is stronger than what a lot of people think. Corporate America is in the best shape it’s been in decades. Corporate balance sheets are very strong. I understand there’s a lot of unemployed people. But, essentially, it’s the tale of two worlds right now. If you have a job, and you’re doing well, you’re making lots of money, it’s a good time. If you’re out of a job, it’s very tough. If you’re on a shoestring budget and you’re retired, the government likes to tell you there’s no inflation or 1% or 2%. Of course, you know it’s higher if you — maybe the government doesn’t buy milk, or groceries, or drive, or turn on the heat.

But, nonetheless, it’s about getting the right portfolio and being invested properly. I do think a correction, maybe a serious one, is going to come next year. I hope to be prepared for that. So, the key is always invest for need, not for greed. Make sure your portfolio is getting the best returns, but with the least risk possible. If you don’t need all the risk in the market, you don’t take it. The key is just to find out what kind of returns you need to get, invest appropriately. We always invest our portfolios tactically. Never buy and hold. And always be sure that you’re getting the right portfolio with the right amount of risk because you want the least amount of risk possible. That’s the key.

So, in the short term, I see the market in the next couple of weeks floundering up and down a little bit. I think earnings will be a little better than expected and I do see a stronger stock market through the end of the fourth quarter. And then maybe around the middle of the first quarter or the end of the first quarter, if we start to see interest rates rise, then we’re probably due for a correction. We haven’t had a 10% correction in over two years. We haven’t had a typical bear market. Remember, bear markets are just normal. I’m not trying to be un-American or scare you. They’re just normal and they can drop. A bear market is a minimum of 20% and it could be as much as 35% or 40%. I’m not looking for a 2008 crash; however, I do think we are due for, at some point, a bear market — not for the next several months. But the idea is to have your portfolio prepared so you’re getting the best returns on the upside, but preparing for the downside, and that’s what we want to do each and every day.

So, I hope this helps. I hope you’re learning a lot from these and enjoying them. Of course, if you have any questions whatsoever, give me a call. I’ll be happy to talk to you. Thank you.

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Failing To Plan

Failing To Plan … Is Planning To Fail

The Only Way to Create a Winning Retirement Plan!

Smart Money With Keith Springer On KEBK Saturday At 1PM

Smart Money with Keith Springer“Failing to plan is planning to fail.”  And the same holds true with your retirement.  There’s no such thing as a “one size fits all” retirement plan.

Everybody’s financial picture; outlook; goals; timeline and health are totally unique.  And therefore everyone’s  will be unique.

Discover the inside scoop on how to create a winning retirement game plan on Smart Money with Keith Springer, now on a new day and time: Saturday at 1PM on News Radio, KFBK.

Listen to Smart Money with Keith Springer now on Saturday at 1PM on News Radio, KFBK.

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Retirement Reality Check

It’s Time For A Retirement Reality Check!

Ignore the Media And Focus on What’s Important!

Smart Money With Keith Springer On KEBK Saturday At 1PM

Smart Money with Keith SpringerThere’s a lot of noise out there when it comes to investing, planning and saving for retirement. It’s on television; in newspapers and magazines; and online. It’s everywhere. But don’t allow the stock market or media headlines to drive your investment decisions. It’s time for a retirement reality check!

Discover some little known strategies other successful retirees are using today – that’ll put YOU in control of your retirement on Smart Money with Keith Springer, now on a new day and time: Saturday at 1PM on News Radio, KFBK.

Listen to Smart Money with Keith Springer now on Saturday at 1PM on News Radio, KFBK.

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Retire On Your Own Terms

Half of All Americans Are Forced to Retire Unexpectedly

Strategies To Retire On Your Own Terms

Smart Money With Keith Springer On KEBK Saturday At 1PM

Smart Money with Keith SpringerHalf of all Americans — 49% to be specific — are forced to retire unexpectedly. That’s a shocking number when you think about it. That means 1 in 2 people are completely caught off guard – cold-cocked – and forced to retire for good. So what if you were forced to retire today? Would you be ready?

Discover a few little-known strategies to help you prepare for the worse … so you can retire on your own terms on Smart Money with Keith Springer, now on a new day and time: Saturday at 1PM on News Radio, KFBK.

Listen to Smart Money with Keith Springer now on Saturday at 1PM on News Radio, KFBK.

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These 3 Things Will Keep Stocks Moving Higher… Which May Surprise You

Bear-BullThe clear consensus among investors is that a catastrophic fall in the market is imminent. We all love to focus on the effects of the government and Federal Reserve’s meddling in the economy, most notably a massive 17.5 trillion in debt for the country and another $4 trillion debt held at the Fed. It is truly unbelievable, unfathomable and just downright wrong. I will admit that this danger at our door is not all that far away, so although it might feel like easy street, proceed with caution and have your exit plan ready.

Pessimistic Consensus is the first of the 3 things that will keep stocks going higher. Very simply, stocks do not crash when everyone expects them to. The market loves to ride a wall of worry higher, and this is easily the most unloved rally I have seen in my 30 years in the business. Therefore, our first winner is not going to bring the stock market to its knees, not yet. Not until the other 2 get out of the way at least.

Our 2nd winner that will help propel stocks is Growing Corporate Earnings. Corporate America has become lean and mean, adjusting to the “new economy,” producing goods and services that meet demands of the shrinking consumer base. As I discuss in Facing Goliath – How to Triumph in the Dangerous Market Ahead, the aging 90 million plus baby boomer generation is well past their spending years, while the 65 million Gen X’ers can’t keep up the pace of consumption. This is going to go on for another 5-8 years. Those with money will prosper while those without will languish.

chart 1

Our 3rd and final victor is Negative Inflation. Negative inflation is very low inflation and not quite deflation, mostly because of the fed’s stimulus money printing programs. A capitalist economy needs a level of inflation, or consumers will stop spending because things will be cheaper tomorrow. That’s what happened in Japan.

chart 2
Last week both the PPI and CPI came in at 1/10 of 1% gain. It doesn’t get any smaller than that. This is the one that scares the bejeesus out of the Federal Reserve because Inflation is running well under the Fed’s 2% target. Not until inflation picks up significantly will they even think about raising interest rates. We’re a couple of years away from that, but prepare now and have your portfolio invested properly because when inflation finally gets here, it will get ugly!

Apple (AAPL)
I have been adding AAPL to our growth oriented accounts. The release of their new products slated for September 9th and the opening of China for their merchandise and services should have a profound effect, and I believe the risks warrant participating in the stock at this price.

Investor Strategy
Although I believe the stock market will go higher, the risks are rising. Let’s face it, even trees do not grow to the sky. The key, of course, is to be properly invested with a qualified retirement advisor. This will ensure you are looking at the big picture and getting the returns you need, but with the least risk possible so you don’t get crushed during the next crash or correction. You can’t replace this money….

…… 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 me a call at 916-925-8900 for a no-cost no-obligation today!

 

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Retirement Is More Than A Magic Number

Retirement Is More Than A Magic Number

Smart Money With Keith Springer On KEBK Saturday At 1PM

 

 

 

Smart Money with Keith SpringerAre you trying to achieve some “magic number” for retirement? Find out why this strategy is dead. And where you should turn your focus.

Listen to Smart Money with Keith Springer, now on Saturday at 1PM on News Radio, KFBK.

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What is moving the market’s right now.

Keith Springer Audio

MarketWatch | 8.13.14 | Listen To The Interview

Keith-Springer-On-Marketwatch What is moving the market’s right now. Listen to Keith’s short in-depth interview with MarketWatch’s Larry Kofsky on the floor of the New York Stock Exchange, where he discusses what is moving the market’s right now, what the 4th quarter looks like and how investors should be invested.

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The Retirement Tax Bomb

Little-Known Strategies to Legally Pay Fewer Taxes in Retirement

Smart Money With Keith Springer On KEBK Saturday At 1PM

Smart Money with Keith SpringerThere’s a time bomb ticking and it could cost you a small fortune in retirement!Do you know what it is? It’s taxes!

If you don’t have a tax-efficient investment strategy, tens of thousands of dollars – if not hundreds of thousands of dollars could literally be ripped right out of your hands and into Uncle Sam’s pocket.

Discover the little known secrets to legally pay fewer taxes in retirement on Smart Money with Keith Springer, now on a new day and time: Saturday at 1PM on News Radio, KFBK!

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

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It’s What You Don’t Know Than Can Kill Your Retirement!

Your Guide to Conquering Retirement’s Unknown Obstacles!

Smart Money With Keith Springer On KEBK Saturday At 1PM

 

Smart Money with Keith SpringerThe most dangerous thing about planning for retirement is not what you do know – it’s what you don’t know. Anyone over age 50 is facing far more challenges in retirement right now than any other generation. So this is no time for guesswork!

Discover how to conquer retirement’s unknown obstacles on Smart Money with Keith Springer, Saturday at 1PM on News Radio, KFBK!

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