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December 05, 2018
YES and No.  
I'm talking about an "inverted yield curve", which is throwing off an early warning about a pending recession over the next one to two years. It's the main reason why the DOW plunged 799 points on Tuesday. 
But, by no means would I use this signal as a retirement planning or market timing tool. The fact is, recessions and bear markets are a normal part of life for investors. That realization is already built into my clients' portfolios. That's why when many are within 10 years of their expected retirement, we're already dialing down their stock market exposure. 
But what about those who are in their 20's to their mid-50's? Bring it on baby! A bear market would be your friend because you're still accumulating stocks in your 401(k) and other accounts.  
This brings us back to basic investment objectives; which means investing according to your unique risk tolerance, financial goals, and time horizon. Don't let an inverted yield curve scare you. Instead, use it now - ahead of any recession - to take a reasonable look at your own unique investment objectives and if necessary, reconfigure your portfolio to make it congruent with your objectives.  
I write this article today for CNBC, which explains in plain English what an inverted yield curve is and what it means to you.

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All the views expressed in this report/commentary accurately reflect our personal views about any and all of the subject securities or issuers and no part of our compensation was, is, or will be, directly or indirectly related to the specific recommendations or views we have expressed in this report. This material is not intended as an offer or solicitation for the purchase of sale of any security or other financial instrument. Securities, financial instruments, or strategies mentioned herein may not be suitable for all investors. Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue. Prices, values, or income from securities or investments mentioned in this report may fall against your interests, and you may get back less than the amount you invested. The information contained in this report does not constitute advice on the tax consequences of making any particular investment decision. You should consult with your tax adviser regarding your specific situation. Diversification is a method of managing risk and doesn't protect against loss in a down market. 

Mitchell O. Goldberg, AIF®, AAMS

President | Investment Professional

OSJ Manager 


ClientFirst Strategy, Inc.

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