In a recent blog post, we shared some strategies for maintaining an emergency fund and reasons why you may not even need one at all. The downside of a large emergency fund is what’s known as “cash drag”—the very low (often negative) real rate of return on cash that drags down your investment portfolio’s overall rate of return. However, there are valid situations where a … Read more
Most clients come to us having heard the adage of keeping three to six months’ worth of expenses in cash as an emergency fund. For affluent families, this rule of thumb can mean sidelining well over $100,000. While it can be comforting to know you have plenty of money to cover the unexpected, doing so comes with the opportunity cost of missing out on significant … Read more
One of the biggest challenges that our clients have with saving for college is determining how much to save each year. And because future college costs are difficult to predict, you will likely find your 529 account with either leftover money or not enough money by the time your child’s college years are coming to an end. So, what do you do in the event … Read more
Dear Friends of Artemis,
Attached please find our market report for Q1 2018. As many of you know, the most salient feature of the markets during the quarter was the return of volatility. Volatility was triggered by inflationary fears and rising interest rates, although the overall response was somewhat muted by continued decent economic growth and rather amazing corporate earnings reports.
In this report, we focus … Read more
April is always a busy month at Artemis. With Tax Day upon us, Marathon Monday, Earth Day and first quarter performance reporting, April is anything but dull. This year, there were a couple of additional items to add to the April agenda, as we made room for two memorable events focused on sustainable investing.