Deva Panambur, CFA®, CFP® | Source
I am a Financial Advisor at Sarsi, LLC (www.sarsillc.com) Simplifying Complexity and Creating Financial Plans in a Reliable Manner.
Prior to founding Sarsi, LLC in 2010, I helped families preserve, protect, and grow their wealth and well-being at Executive Monetary Management, a multi-family office at Neuberger Berman. Previously, I worked for several years in investments and risk management at Merrill Lynch Investment Managers, Chesapeake Capital Corporation and Deutsche Bank Asset Management
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Retirement Savings: When to Stop and Enjoy Your Wealth
Deva advises ensuring your $4 million nest egg covers all expenses. "Even if you stop saving, don't stop contributing to tax beneficial accounts like 401(k) and IRA." Continue tax planning with Roth contributions. Enjoy your wealth, but ensure your retirement funds are secure. -
Schwab Bond Funds: Expert Insights on SWAGX and SCYB
Deva highlights SWAGX as a core bond fund with low fees and high ESG scores, suitable for ESG-conscious investors. However, its lower quality exposure may pose risks if credit spreads widen. For SCYB, Deva advises caution due to economic uncertainty and tight high yield spreads, despite its competitive fees. -
US Treasuries: Safe Haven with Caveats
Deva highlights that US Treasuries are a safe haven due to low credit risk but warns of "substantial duration risk" for maturities over five years. Short-duration T-bills are excellent for short-term goals, offering fixed interest and liquidity. UST interest is also tax-efficient, exempt from state taxes.
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https://money.usnews.com/financial-advisors/articles/pros-and-cons-of-a-buy-and-hold-strategy
