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Update Actually a DOWN DATE Markets get creamed March 3 2025

 

Check out this stock chart above !

 

As steady of an Eddie one could get.

 

Historically yields about a steady (as you can see) 5% 

YES  IT IS SOMETHING WE  PUT IN  PORTFOLIOS
Contact me if this kind of movement interests you !

 

 

Greetings!

March 3, 2025

Greetings!

The market fell extremely hard again today with the Dow down over 1600 points. Other indexes fell in similar fashion. That is the most since the CoVid fiasco.

Fortunately, with yours truly expecting and warning continually over many months that the market was overextended, we may not hold a lot of stocks per se. As a result, some portfolios may have been UP today.

I continue to prognosticate inflation will not be harnessed, and with amount of tariffs we are currently witnessing, inflation will only be exasperated.

Only time will tell if tariffs accomplish their intended result, which is to bring a significant amount of jobs back to the U.S. I am of the opinion that could have been accomplished instead with tax credits to American companies instead of taxing imports, which is what tariffs are essentially are.

If you hold multiple accounts, you may find some accounts were up, some were flat and some were down. Some of our holdings, being defensive in nature, may tend to move opposite of the markets. Such is the case today.

You might hold a good amount of Treasury debt like T-bill or similar floating rate funds that might not hardly move if at all.

Interestingly, some T bill funds may have made abnormally large price increases as investors fled to government securities for safety and drove these prices higher than many expected.

Good for us.

Additionally, T bill rates dropped uncharacteristically today by a significant amount so the new rates (yields or what we get paid) likely make the T bills we hold more valuable. It is the way interest rates interact with debt like T bills.

This means the T bills we may ALREADY own may now be inherently more valuable.

Other defensive stocks like Verizon, ATT and others we may hold rose nicely. It’s why investors like us buy them when we expect markets to fall.

Accounts which rose today make for happy investors. Accounts that fell may not have fallen much percentage wise comparatively.

Truth be told, in a market where tech stocks fell the most in 5 years, it would be hard NOT to see at least some erosion. Incredibly however, some accounts may have increased in value today.

Concluding, we will stay defensive. Although we do hold some stocks, we may remain heavy in fixed income holdings like bonds and T bills. We may see some brief rallies and some may be explosive. I find it humorous however, that the same business analysts that were telling us all was well and the consumer and the economy was strong, now are saying more downside may be in store.

While I still believe that is true, when I hear more and more analysts follow us into the warning mode, and then the wonks at the Federal Reserve follow suit, that will tell me it might be time to start nibbling.

 

“Watching the markets so you don’t have to”

 

PS: For investors who want guarantees of no losses, a triggered annuity or participation annuity will fit the bill. Downside is eliminated but upside participation is possible. See me for details. And call me if the above chart interests you!

 

Marc

(530) 559-1214

 


 

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Insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably. I have access to a variety of insurance products that can help meet your security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.

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A Word about Life insurance:

In the event of death, life insurance may offer surviving family members financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

 

The advantages of life insurance include:

An instant estate for your loved ones at a time when funds are most needed

  • Death benefits that are almost always non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

Long-term Care, Disability and Critical Illness insurance, Lifetime income strategies and Medicare:

Help protect one of your most valuable assets – your income – from unexpected events through long-term care, disability and critical illness insurance.

Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.

Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition.

Questions about Medicare? 

I can help navigage the programs.

I can also help you choose the long-term care and disability insurance products that provide advantages like:

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  • Support the buy-out of a disabled partner’s share of a business.

Critical illness insurance and Medicare Policies

Suffering a critical illness is distressing for both you and your family. Help ease the burden through insurance that will reduce financial stresses and can complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, insurance offers you, your family, and if applicable, your business, added financial security—so you can focus on recovery.

The advantages of critical illness insurance can include:

  • Coverage for up to 22 critical illnesses or conditions
  • An initial lump-sum benefit you can use however you wish—from making mortgage payments to seeking medical treatment outside Canada
  • Home-care costs during illness and recovery periods
  • Even if you’re not disabled from working, you may receive payment
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  • Individuals who cannot obtain disability insurance in some cases still qualify for critical illness coverage (e.g. a non-income earning spouse)
  • Medicare Policies and information. Let me walk you through the best options for your situation

Contact me today to determine whether critical illness insurance fits into your financial security plan.

 

There are also new “hybrid” plans available that combine the benefits of life insurance or annuities with long term care coverage and at a cost that may be more affordable than you think. Contact me today so we can assess your needs and develop the best strategies for your specific situation to give you the peace of mind you require and protect your family and loved ones.

 

Mark (Marc) Cuniberti- California Department of Insurance License # OL34249

 

Take a minute to contact Marc directly to schedule a no obligation phone call or meeting:

 

Email: mcuniberti@vantageauburn.com

(530)559-1214

Link for services here: https://www.vantageauburn.com/marc-s-services

 

 

This website expresses the opinions of Marc Cuniberti. Past performance does not guarantee results.

Insurance Solutions offered by Marc Cuniberti and not affliated with Vantage Financial Group.