This is because prices of bonds and REITs will immediately go up once interest rates drop as newly issued bonds and REITs will offer much lower yields.” She said “Fixed income assets such as bonds and REITs will be the main beneficiaries of falling inflation and interest rates.
dollar is one of the main reasons for the peso’s sharp depreciation recently.” Tan said “Lower inflation coupled with a more dovish Fed should also help the peso stabilize since the strength of the U.S. Fed to stop raising rates and potentially even cut rates.” If this happens, then inflation would stay down, prompting the U.S. She noted that, “because of signs of weaker demand, more and more economists now believe that the U.S. “If demand continues to weaken then commodity prices can sustain their downtrend, making inflation a non-issue,” said COL Chief Equity Strategist April Tan. The main reason is falling commodity prices.” Meanwhile, COL Financial believes that, “The worst may be over soon as far as inflation, interest rates, and the peso are concerned. The challenge is to scour with objectivity,” said. “As economic headwinds continue to chip on investor confidence, note that longevity in trading is less dependent on market quality as it is on asset quality, which is to say, there should be some pockets of value even in the direst of markets. “Finally, investors are expected to watch out for our second quarter earnings reports to gain clues on how the corporate sector performed amid the lingering economic challenges, primarily the rising inflation during the said quarter,” he said. “This leaves room for the peso to depreciate towards P60.00 a dollar, corporate margins to deteriorate further in the third quarter, and a demand cooldown from lower liquidity,” the brokerage said.Ī silver lining amid all this gloom is “the possible continuation of the decline in local fuel prices is seen to temper inflation expectations which in turn would help the local market,” said Tantiangco. “Alternate income streams help to cover the cost of living, leaving more towards the end goal of early retirement,” he says.It noted that, “While this damages the short-to-medium term outlook on practically any asset that takes on capital, the move should reassure long-term holders that policymakers are not taking the risk of carrying over these pains in 2023.” This could include investing in income-generating assets such as a rental property, a small business or, more traditionally, taking on a part-time job or side-hustle, Mr Connor says. Getty Images Have several sources of income
One factor in retirement planning is determining which country you can best afford to retire in. “Some retirement plans may assess a penalty fee if withdrawals are made before actual retirement, which is another incentive not to take money out of the retirement account,” he says. But the longer the funds stay invested, the greater the potential for growth, Mr Valecha says. When you reach a substantial balance in your retirement fund, it may be tempting to withdraw it all at once for a major purchase. Avoid withdrawing from your retirement accounts early Apply the same philosophy to your personal investment portfolio by spreading investments across a wide range of assets, he says.
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