Casual Friday: Financial Insights Ford Financial Group

In uncertain market conditions, cash holdings can offer a sense of security for investors. The past few years have seen significant market volatility due to various factors such as the pandemic, geopolitical tensions, monetary policy changes, inflation concerns, and technological disruptions. Amidst this turmoil, the allure of cash has grown, especially as interest rates on cash instruments have reached multi-decade highs, presenting seemingly attractive risk-free returns.

However, it is crucial to evaluate the role of cash within an investor's overall portfolio strategy. While cash provides liquidity and preserves capital in the short term, it may also hinder long-term growth potential due to its limited returns relative to other asset classes. Therefore, investors should strike a balanced approach, considering their risk tolerance, investment horizon, and financial objectives.

A well-diversified portfolio, comprising a mix of asset classes such as equities, fixed-income securities, and alternative investments, can help mitigate risks and potentially generate better returns over the long run. Cash holdings should be strategically allocated based on individual circumstances, such as emergency funds, short-term liquidity needs, or as a hedge against market downturns.

Ultimately, the role of cash in an investor's portfolio should be carefully evaluated, taking into account market conditions, personal risk profile, and investment goals. A thoughtful approach to portfolio construction, with periodic rebalancing, can help investors navigate uncertain times while positioning themselves for long-term success.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

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Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

In this episode of Casual Friday: Financial Insights, Brian and Ryan delve into the recent pullback in the markets, which have dipped at the onset of the second quarter. After kicking off the year with strong gains, the landscape has shifted due to a combination of geopolitical tensions in the Middle East, rising inflation concerns, and uncertainties around corporate earnings.

Join us as we discuss strategies for understanding and managing through this period of heightened market volatility. What steps can investors take to maintain perspective and make informed decisions? Tune in to gain valuable insights into navigating these challenging market conditions.

This week Ryan and Brian come up for air from a busy tax season to examine how current tax brackets, both personal and corporate, compare to where brackets have been historically. They also touch on the possibility of brackets changing in the future, especially in light of the Federal debt to GDP ratio (spoiler: it's high).

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

As we delve into the intensifying presidential election season, every day brings us closer to November 5, Election Day. We're witnessing what appears to be an impending rematch between Joe Biden and Donald Trump. Given the months ahead until November, it's understandable for investors to feel uneasy about the potential effects of political events on the stock market and the broader economy.

The current political atmosphere is notably charged, influenced not only by the upcoming elections but also by contentious debates in Washington over issues like the budget, immigration, and foreign policy. This week, Brian and Ryan, we explore how investors can maintain equilibrium amidst the turbulence of this year's presidential election.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

This week Eric and Brian review how much "dry powder" is in money market funds and how these cash equivalent investments have swollen to record levels as rates have risen. However, event the Federal Reserve has said rates are coming down, so what are investors options if those sweet interest rates on money market funds really start to fall?

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.

This week Ryan and Brian discuss how all of the jobs lost during the pandemic have been recovered (and then some), and how business are still having trouble hiring, despite the large number of unemployed workers.

Watch on YouTube: https://www.youtube.com/@fordfinancialgroup

Subscribe on Apple Podcasts (or wherever you listen to podcasts): https://podcasts.apple.com/us/podcast...

Questions? Email us at info@FordFG.com

Web: FordFG.com

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

There is no assurance that the views or strategies discussed are suitable for all investors. To determine which investment(s) may be appropriate for you, consult your financial professional prior to investing. Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk. Indexes are unmanaged statistical composites and cannot be invested into directly. Index performance is not indicative of the performance of any investment and do not reflect fees, expenses, or sales charges. The economic forecasts set forth in this material may not develop as predicted.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

The advisors of Ford Financial Group are Registered Representatives with and securities are offered through LPL Financial member FINRA/SIPC. Investment advice offered through Perennial Investment Advisors, a registered investment advisor. Ford Financial Group and Perennial Investment Advisors are separate entities from LPL Financial. Ford Financial Group, Perennial Investment Advisors, and LPL Financial do not provide tax advice or services.