The New Capital Journal
Financial news, views, advice, and guidance.
Brought to you by New Capital and our business partners.
Interest Rates Rise on Federal Student Loans for 2018-2019
Interest rates on federal student loans are set to rise for the second year in a row. This table shows the interest rates for new loans made on or after July 1, 2018, through June 30, 2019.
New Reports Highlight Continuing Challenges for Social Security and Medicare
Based on the "intermediate" assumptions in this year's report, the Social Security Administration is projecting that the cost-of-living adjustment, (COLA) announced in the fall of 2018, will be 2.4%.
What You Pay, What You Get: Connecting Price and Expected Returns
Stock prices are changing every day—and as prices change, so do expected returns.
Planning for health care costs in retirement
Vanguard has developed a new model to forecast health care costs for U.S. retirees.
The Right Track
Two recent new items caught my attention that illustrate environmental, social, and governance issues associated with business.
How American Household Finances are Changing
Visualizing shifts in income, savings, debt, and household spending.
The Impact of Inflation
When the prices of goods and services increase over time, consumers can buy fewer of them with every dollar they have saved.
Retirement Confidence Improves for Workers, Declines for Retirees in Critical Areas
In its 28th annual Retirement Confidence Survey, the Employee Benefit Research Institute (EBRI) discovered that 64% of today's workers feel very or somewhat confident in having enough money to retire comfortably, up from 60% in 2017.
Changing Market: Municipal Bonds After Tax Reform
The muni market stabilized through April 2018, but uncertainty remains.
The Trade-Off Between Time and Money
What do people value the most, and how does it differ by age?
Relative Performance of Flagship Equity Funds
A summary presentation highlighting key aspects of Dimensional's approach to investing.
A Look at Dimensional's Investment Portfolios
Provides a high-level snapshot of our product offerings for a broad audience.
2018 Mutual Fund Landscape
Dimensional has updated its Mutual Fund Landscape report through 2017. The analysis shows that a majority of fund managers evaluated failed to deliver benchmark-beating returns after costs.
Conference Call - Second Quarter Market Update
Leonard Golub, CFA & Todd Centurino, CFA of New Capital Management discuss the first quarter market results and their views on future projections.
Dimensional Fund Advisors - Putting Financial Science to Work for You
Dimensional is a global investment firm that has been serving investors for more than 35 years. Dimensional offers investment solutions across asset classes, including global equities, fixed income, and REITs.
New Medicare Cards Are Coming
If you receive Medicare, you will be getting a new Medicare card in the mail. Your new card will have a new Medicare Number that's unique to you.
Independence
New Capital is a truly independent financial advisory, that not only talks about diversification, but practices it in all areas of our business.
Trade Tactics: New Metals Tariffs Reflect U.S. Policy Shift
On March 8, 2018, President Trump imposed a global tariff of 25% on steel imports and 10% on aluminum imports.
IRS Releases Updated Form W-4 and Withholding Calculator
These updated tools can help you check your 2018 tax withholding to determine if it's still appropriate following passage of the Tax Cuts and Jobs Act in December 2017.