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| Shoreline Wealth & Investment Management |
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Newsletter
November 2005 |
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The Stock & Bond Markets -
Whenever the two richest people in the world answer questions, as Bill Gates and Warren Buffet recently did to students in Nebraska, it pays to listen. Both suggested single digit returns in the stock market over the next 10 years and more serious corrections in asset classes or investment vehicles that have expanded to fill the vacuum left from the 2000-2002 internet bubble burst that wiped out $7 trillion. A balanced approach (like our's) and reasonable expectations will make any rough patches easier to accept.
CELEBRATING 25 YEARS
Since 1980, I have been providing financial advice to investors and I'm proud to say that our service and performance (see "Bottom Line" section on the right) continue to be superior to the market and our peers. Thanks for your support.
Real Estate Bubble? -
While construction on and building permits for new homes slowed last month and new home sales plunged 9.9% (the biggest monthly decline in 9 months), both are still on pace to set new records. The implication is that while the market has slowed, it has leveled off (for the time being) at a high level (note: commercial construction spending, as opposed to residential, set a record in September). Demand remains high due to job growth and long-term mortgage rates still within 1 percentage point of their 40-year low of 5.21% reached in July 2003.
The only area in which there might be some "signs" of a slow down (as opposed to a leveling off) is in the available supply of homes for sale which are at their highest level since 1988. Those who owned home between 1989 and 1994 know that prices can also go down and do so for a long time which can cause pain, particularly if that happens while their adjustable rate mortgage rates are increasing.
| Selecting an Advisor |
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 Warren Buffet, the most successful investor of the 20th century learned his craft from Benjamin Graham, author of several books including the legendary "Intelligent Investor." This has been recently updated by Jason Zweig who includes 16 key questions to ask your advisor and 11 an advisor might ask...
Read on... »
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| Alternative Investments |
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 Alternative assets classes, which include hedge funds, private equity, and real estate, among others, can be used to increase or protect assets from inflation ...
Full Story »
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| Private Annuity Trusts: Disinheriting Uncle Sam |
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 For those with highly appreciated residential or commercial real estate investments who are looking for a strategy to avoid, defer or reduce their capital gains tax consequences, the private annuity trust offers ...
Learn More »
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| Looking for a Speaker for Your Event? |
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 Shoreline Wealth & Investment Management has given presentations to Fortune 500 companies as well as many local groups and organizations. If you are looking for a professional presentation on topics ranging from investments to estate taxes to business or tax law, please contact us
Click here for more details »
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| The Bottom Line |
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| This is where we provide the performance of our conservative, moderate and aggressive portfolios and compare these to the S&P 500 and NASDAQ Indexes. While they are an important consideration, performance is only a portion of the evaluation investors should consider when evaluating investment management. Other considerations include the risk taken to generate the returns, the quality of the service, the reasonableness of the fees and, more important now than ever, the integrity of the investment manager.
Find out more.... |
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email: cbloom@cfiemail.com
voice: 805.886.3624
web: http://www.swimllc.com/
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Shoreline Wealth & Investment Management · 3905 State Street Suite 7173 · Santa Barbara · CA · 93105
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