ARK ROYAL WEALTH MANAGEMENT Three Charts That Have Our Attention If you are curious about what’s going on in the market or economy, we’d like to share some charts / graphics that we think are insightful. Tariff Implications. The U.S. trade deficit varies with key trading partners, showing significant imbalances with China, the EU, and Mexico, particularly in machinery, transport equipment, and manufactured goods. Amid trade tensions, investors should prioritize diversification, as trade...
15 days ago • 1 min read
March 2025 Planning Tip Are You Holding Too Much Cash? What to Do with Excess Savings With interest rates near five year highs, many investors are keeping more cash than usual. While earning 4-5% in a high-yield savings account or money market fund feels great, is holding too much cash hurting your long-term financial plan? It's important to balance liquidity with long-term growth to ensure your wealth works for you over time. Why Holding Excess Cash Can Be a Problem While it may feel safe to...
26 days ago • 1 min read
Ark Royal Wealth Management February 2025 Trade Winds Human Interest & Current Events A fascinating story of reuniting a WWII Japanese sword with it’s rightful owner. The historic ocean liner SS United States, renowned for breaking the transatlantic speed record in 1952, is set to be transformed into the world's largest artificial reef off the coast of Okaloosa County, Florida. After being docked in Philadelphia for nearly 30 years, the vessel will be towed for preparation before its final...
about 1 month ago • 1 min read
ARK ROYAL WEALTH MANAGEMENT Three Charts That Have Our Attention If you are curious about what’s going on in the market or economy, we’d like to share some charts / graphics that we think are insightful. S&P 500 Valuations. The largest companies in the S&P 500 have significantly higher forward P/E ratios, with the top 10 trading at 30.7x earnings. Nearly 40% of the index weight is concentrated in those stocks, meaning these few companies have an outsized impact on index performance. Investors...
about 1 month ago • 1 min read
February 2025 Planning Tip Inherited IRAs and Roth IRAs: Key Rule Changes and Strategies for Beneficiaries The rules governing inherited Individual Retirement Accounts (IRAs) and Roth IRAs have undergone significant changes in recent years, primarily due to the passage of the SECURE Act in 2019 and subsequent clarifications from the IRS. These new rules impact how beneficiaries must handle inherited retirement accounts, altering distribution timelines and tax implications. Understanding these...
about 2 months ago • 2 min read
ARK ROYAL WEALTH MANAGEMENT Three Charts That Have Our Attention If you are curious about what’s going on in the market or economy, we’d like to share some charts / graphics that we think are insightful. S&P 500 Revenues. There is a prevailing market narrative that the U.S. market outlook is strong, while Europe, the UK, and China face challenges. However, 41% of S&P 500 revenues come from abroad. A recession in Europe and a slowdown in China could cause harm, while strong international...
3 months ago • 1 min read
January 2025 Planning Tip New Year, New Balance: Realigning Your Investment Portfolio The beginning of a new year is a natural time for reflection and goal-setting. It’s also an opportune moment to revisit your financial portfolio and ensure it aligns with your long-term objectives. One of the most critical steps in this process is rebalancing your investments. Rebalancing can safeguard your financial health, optimize returns, and mitigate risks. Here's why starting the year with a balanced...
3 months ago • 1 min read
Ark Royal Wealth Management December 2024 Trade Winds Human Interest & Current Events Was the infamous hijacker / bank robber D.B. Cooper a Broughton High School grad? A group of Rocky Mount men created a small party town in the woods and it’s still going strong 30 years later. Sports From new cars and watches to steaks and boots, NFL quarterbacks have elevated their gift-giving game for their offensive linemen. Santa brought UNC a surprise holiday gift in the form of Hall of Fame coach Bill...
3 months ago • 1 min read
ARK ROYAL WEALTH MANAGEMENT Three Charts That Have Our Attention If you are curious about what’s going on in the market or economy, we’d like to share some charts / graphics that we think are insightful. Private Credit Performance. A comparison of returns across various fixed-income categories reveals that private credit has been outperforming other classes. No surprise we've seen a private credit boom with yield ~2x it's counterparts. Active Management Performance. We believe our investment...
4 months ago • 1 min read