people / Chris Ryon and Sweta Singh

Chris Ryon and Sweta Singh

The Old Normal

The Old Normal

Last week, the Fed announced that it would not raise the Fed Funds rate in September. By our way of thinking, though, they left the door open for future increases (data dependent). This left us pondering whether the current Fed Funds Rate is restrictive or not (we think that many of the talking heads are suffering from recency bias, or we may be...

Sep 27, 2023

Last week, the Fed announced that it would not raise the Fed Funds rate in September. By our way of thinking, though, they left the door open for

Continue Reading
It's a Great Time for Muni Bonds

It's a Great Time for Muni Bonds

We have long written about the two periods when the municipal bond market organically generates the most cash flow into the market — the January / February period and the June / July period. These are the periods when most municipal bonds pay interest and mature. Also, the municipal market tends to screech to a halt between Thanksgiving and New...

Sep 18, 2023

We have long written about the two periods when the municipal bond market organically generates the most cash flow into the market — the January /

Continue Reading
Fixed Income as a Service

Fixed Income as a Service

Companies have been rethinking how they do business across industries, geographies, etc. Remote vs. hybrid vs. in-office, fractional executives, outsourcing, you name it. But we think a huge change is also coming to the world of financial advisors — we’re calling it “Fixed Income as a Service.” We believe subadvisory services like Fixed Income as...

Aug 30, 2023

Companies have been rethinking how they do business across industries, geographies, etc. Remote vs. hybrid vs. in-office, fractional executives,

Continue Reading
Why is the Economy so Resilient?

Why is the Economy so Resilient?

The week of August 14, 2023, has been a tough one for most markets. Stocks are down, and bonds are up in yield. Many street analysts are changing their outlooks from “a recession is around the corner” to “a soft landing is being engineered.” Some are even saying that no landing is likely. The Federal Reserve’s minutes and commentary before the...

Aug 21, 2023

The week of August 14, 2023, has been a tough one for most markets. Stocks are down, and bonds are up in yield. Many street analysts are changing

Continue Reading
Avoiding The Cash Trap

Avoiding The Cash Trap

5.5% seems like a pretty great investment return for cash-equivalent instruments. Given how low the risk is for a CD or money market funds, taking the 5.5% and running seems like a solid bet right now. But is it actually?

Jul 10, 2023

5.5% seems like a pretty great investment return for cash-equivalent instruments. Given how low the risk is for a CD or money market funds, taking

Continue Reading
The Worst Thing You Can Do Is Nothing

The Worst Thing You Can Do Is Nothing

The problems/resolutions of both Silicon Valley Bank and Signature Bank bring to mind a Theodore Roosevelt quote: “In any moment of decision, the best thing you can do is the right thing, the next best thing is the wrong thing, and the worst thing you can do is nothing.”

Mar 30, 2023

The problems/resolutions of both Silicon Valley Bank and Signature Bank bring to mind a Theodore Roosevelt quote: “In any moment of decision, the

Continue Reading
Cash Reserve Management

Cash Reserve Management

“What do you do with cash?” is an investment question as old as, well, investing. It’s rare (and usually unwise) that an investor would have the entirety of their assets or holdings actively trading in the market — folks almost always have some form of cash reserve. But, as inflation ticks upward, the value of that cash drops if it’s not outpacing...

Feb 21, 2023

“What do you do with cash?” is an investment question as old as, well, investing. It’s rare (and usually unwise) that an investor would have the

Continue Reading

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The Old Normal

The Old Normal

Last week, the Fed announced that it would not raise the Fed Funds rate in September. By our way of thinking, though, they left the door open for future increases (data dependent). This left us pondering whether the current Fed Funds Rate is restrictive or not (we think that many of the talking heads are suffering from recency bias, or we may be...

Sep 27, 2023 Written by: Chris Ryon and Sweta Singh

Last week, the Fed announced that it would not raise the Fed Funds rate in September. By our way of thinking, though, they left the door open for

Continue Reading
It's a Great Time for Muni Bonds

It's a Great Time for Muni Bonds

We have long written about the two periods when the municipal bond market organically generates the most cash flow into the market — the January / February period and the June / July period. These are the periods when most municipal bonds pay interest and mature. Also, the municipal market tends to screech to a halt between Thanksgiving and New...

Sep 18, 2023 Written by: Chris Ryon and Sweta Singh

We have long written about the two periods when the municipal bond market organically generates the most cash flow into the market — the January /

Continue Reading
Fixed Income as a Service

Fixed Income as a Service

Companies have been rethinking how they do business across industries, geographies, etc. Remote vs. hybrid vs. in-office, fractional executives, outsourcing, you name it. But we think a huge change is also coming to the world of financial advisors — we’re calling it “Fixed Income as a Service.” We believe subadvisory services like Fixed Income as...

Aug 30, 2023 Written by: Chris Ryon and Sweta Singh

Companies have been rethinking how they do business across industries, geographies, etc. Remote vs. hybrid vs. in-office, fractional executives,

Continue Reading
Why is the Economy so Resilient?

Why is the Economy so Resilient?

The week of August 14, 2023, has been a tough one for most markets. Stocks are down, and bonds are up in yield. Many street analysts are changing their outlooks from “a recession is around the corner” to “a soft landing is being engineered.” Some are even saying that no landing is likely. The Federal Reserve’s minutes and commentary before the...

Aug 21, 2023 Written by: Chris Ryon and Sweta Singh

The week of August 14, 2023, has been a tough one for most markets. Stocks are down, and bonds are up in yield. Many street analysts are changing

Continue Reading
Avoiding The Cash Trap

Avoiding The Cash Trap

5.5% seems like a pretty great investment return for cash-equivalent instruments. Given how low the risk is for a CD or money market funds, taking the 5.5% and running seems like a solid bet right now. But is it actually?

Jul 10, 2023 Written by: Chris Ryon and Sweta Singh

5.5% seems like a pretty great investment return for cash-equivalent instruments. Given how low the risk is for a CD or money market funds, taking

Continue Reading
The Worst Thing You Can Do Is Nothing

The Worst Thing You Can Do Is Nothing

The problems/resolutions of both Silicon Valley Bank and Signature Bank bring to mind a Theodore Roosevelt quote: “In any moment of decision, the best thing you can do is the right thing, the next best thing is the wrong thing, and the worst thing you can do is nothing.”

Mar 30, 2023 Written by: Chris Ryon and Sweta Singh

The problems/resolutions of both Silicon Valley Bank and Signature Bank bring to mind a Theodore Roosevelt quote: “In any moment of decision, the

Continue Reading
Cash Reserve Management

Cash Reserve Management

“What do you do with cash?” is an investment question as old as, well, investing. It’s rare (and usually unwise) that an investor would have the entirety of their assets or holdings actively trading in the market — folks almost always have some form of cash reserve. But, as inflation ticks upward, the value of that cash drops if it’s not outpacing...

Feb 21, 2023 Written by: Chris Ryon and Sweta Singh

“What do you do with cash?” is an investment question as old as, well, investing. It’s rare (and usually unwise) that an investor would have the

Continue Reading

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