By John Steele | January 29, 2019
2018 gave financial markets quite the rollercoaster ride, leaving equity investors feeling nauseated at times from the day to day volatility. When the dust settled, municipal bonds finished the year with positive gains while most asset classes were solidly in the red. Both international developed and emerging market equities posted double-digit losses in 2018 after outperforming US equities in 2017.
Valuations within these asset classes are attractive and fundamentals remain strong even as they experienced a challenging year.
International stocks were negatively…
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By David Geller | January 25, 2019
We were reminded that stock and bond markets go both up and down. Down markets are often hard to stomach. JOYN advisors spent lots of time talking to clients to help calm their nerves and maintain their disciplined investment approach. If you are nervous, please give us a call.
Even in a year where virtually all asset classes declined, diversification helped cushion the blow. Portfolios with bonds outperformed more equity-oriented portfolios. In December, international (MSCI EAFE) and emerging market (MSCI EM)…
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By David Geller | December 13, 2018
Our tale begins, as so many tales do, in a north Atlanta midrise office building…
At late evening on this Christmas Eve, most of the offices are darkened. The parking deck is nearly barren. A lonely security officer on the plaza raises her eyebrows at the sight of a stooped older man with a stovepipe hat covering lank white hair, and a face as craggy as Brasstown Bald. However, she has seen much stranger things at the Dragon Con parade. So,…
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By David Geller | December 13, 2018
The general answer to this question is no. And why? Because you’re human.
Please note, this is not a character flaw. It’s faulty wiring that every person on the planet has inside them. So, why the disconnect?
Reason #1: We are terrible at predicting how we will behave in the future.
Our inability to predict how we will act in the future is called forward-looking myopia.
David DeSteno is a widely celebrated author and professor of Psychology at Northwestern University. In his…
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By Jarrett Oakley | December 13, 2018
Recently, Jarrett Oakley, director of marketing sat down with John Steele, director of investments at JOYN, to discuss the turbulence surrounding emerging markets and to break down the status of the asset class. Below please find their Q+A discussion.
“So John, where do we stand today in emerging markets?”
Emerging markets have experienced a volatile 2018, entering bear market territory (defined as a 20 percent drawdown from peak level) after falling 25 percent between late January and the end of October.…
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By David Geller | December 12, 2018
JOYN’s Behavior Wealth Management model teaches that your wealth is much more than just money. A key element of wealth is it helping you nurture relationships with your spouse or partner, parents, siblings and other family members.
If you haven’t already, you probably someday will face difficult conversations, and complex and frightening decisions, about caregiving for an aging family member. You may need to address: Where he or she should live? Which daily activities are still practical and safe? What kind…
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By John Steele | December 12, 2018
Political Implications:
The most immediate impact of the midterm elections is that the Democrat-controlled House will serve as a check to the Republican-controlled Senate and President Trump, with legislative gridlock a likely outcome. In the aftermath of the elections, making individual tax cuts permanent (“Tax Cuts 2.0”) and overhauling the Affordable Care Act become increasingly unlikely. The elections’ resulting impact on hot button issues such as immigration, healthcare and infrastructure spending remains unclear. A Democrat-controlled House may result in further political…
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By David Geller | December 7, 2018
The scene would have made Henry Ford proud.
It’s Friday, November 9, 2018.
In a massive warehouse on the southwest outskirts of Atlanta, an assembly line of eager JOYN staffers worked diligently to pack as many backpacks full of toiletries, scarves, wool socks and gloves as they could.
Their goal? Pack needed backpacks for homeless veterans in the greater Atlanta area.
For the second consecutive year, the JOYN family came together in support of the Backpack Project, a UGA student-run nonprofit that aims to…
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By Matthew Geller | October 24, 2018
We’ve been there – awake in the middle of the night Googling questions on caregiving, fearful and unsure of what to do next:
“At what point do I help manage my elderly parent’s finances?
“What signs should I be looking for in my parents if I’m worried about dementia?
“I don’t know who to talk to next about housing for my mom. What kind of facilities are out there? How do I choose the right one?
If you’re around 50 with an aging parent,…
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By Jarrett Oakley | October 24, 2018
Don’t try to typecast Ed Tessaro.
Yes, he is as visibly associated with the fight against amyotrophic lateral sclerosis (ALS) as just about anyone in America. Yes, he was one of the first patients in a widely watched, experimental stem cell transplant trial. Yes, he speaks at national ALS conferences and testifies before numerous congressional and state committees, arguing for more research money or bills to give patients greater access to experimental drugs.
Ed’s countless admirers include JOYN CEO David Geller. “He’s…
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