Insights

The US equity market posted positive returns for the quarter and underperformed both non-US developed and emerging markets.

REIT indices outperformed equity market indices.

The Bloomberg Commodity Total Return Index returned +0.68% for the third quarter of 2024.

Review your marginal tax brackets for ordinary income and capital gains rates to decide which account to withdraw from.

Don’t make the mistake of overfunding retirement accounts at the expense of your brokerage (taxable) accounts. It’s important to have non-retirement assets for flexible spending and savings goals. If you haven’t set up a taxable brokerage account, perhaps this is the next move to make for any money leftover that you haven’t found a home for

End of year provides you with the opportunity to think about managing liabilities. Consider the relative advantage to paying down debts with assets. What is the tax impact of doing so? Would it make a difference to your peace of mind?