Entries for ' Bonds'

It’s a question we get often… How much do I need to keep in cash?   It is asked by individuals for their family money, and by executives who are tasked with managing corporate assets.   For the last 4 years, it has been easy to justify keeping cash because of fear and economic uncertainty.  But after a few years of earning “zero” or “close to zero” on your cash, is it time to search for a little more in yield?

The message from the Fed is simple, short-term rates will be kept low for the next few years.  Translation: you will continue to earn nothing (or next to nothing) on your cash or money market assets for the foreseeable future.  Ben Bernanke is daring you to take a little risk.  

One possible solution: “buckets.”  Separate your assets into “buckets” defined by your time horizon and risk tolerance for difference pools of capital.  A possible bucket solution might look something like this: read more

River City Bank's award-winning video series, "Ask Steve", is back with more important topics and issues affecting the economy and how they impact the Sacramento business landscape.  Get ready to “eavesdrop” on River City Bank Brand Advocate, Kelly Brothers, as he interviews Bank President & CEO, Steve Fleming in a series of short, information-packed videos that answer your most important business and financial questions.  

This week’s video launches the series with Kelly Brothers asking Steve Fleming about the future direction of interest rates and what it means to borrowers and investors in today’s market.  To hear Steve's forecast and answer to this question, CLICK HERE. read more

For the typical investor, diversification has never been more important.  But, diversification is not just stocks and bonds, not just domestic and international, not just developed and developing markets…it is also dollar and non-dollar a... read more