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Have a fun and memorable 4th of July celebration!
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Have a fun and memorable 4th of July celebration!
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Dads are our favorite storytellers, first coaches, master grillers, advice-givers and fixers of all the things. For all this and more, we love you. Happy Father’s Day!
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Dads are our favorite storytellers, first coaches, master grillers, advice-givers and fixers of all the things. For all this and more, we love you. Happy Father’s Day!
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To all who served and sacrificed for our freedom, thank you.
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To all who served and sacrificed for our freedom, thank you.
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Some of the best advice comes from Moms. To all moms and mother figures, happy Mother’s Day!
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Some of the best advice comes from Moms. To all moms and mother figures, happy Mother’s Day!
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Happy Valentine’s Day! Celebrate loved ones in your life—today and every day. ❤️
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Happy Valentine’s Day! Celebrate loved ones in your life—today and every day. ❤️
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Sending heartfelt wishes to you and your family for a celebration full of wonder and joy. Merry Christmas! ✨
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Sending heartfelt wishes to you and your family for a celebration full of wonder and joy. Merry Christmas! ✨
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Thanksgiving is a special time to gather with loved ones. We break bread together, count our blessings and share our gratitude for the things that matter most. Happy Thanksgiving to you and yours!
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Thanksgiving is a special time to gather with loved ones. We break bread together, count our blessings and share our gratitude for the things that matter most. Happy Thanksgiving to you and yours!
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Today we honor our veterans who have served and sacrificed to protect our freedom. Thank you for all you’ve given. #VeteransDay
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Today we honor our veterans who have served and sacrificed to protect our freedom. Thank you for all you’ve given. #VeteransDay
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Are you putting your cash to work? In January 2022, the highest nationally available savings account rate was 0.70%. Yesterday, the highest nationally available savings account rate is 5.26%. The Federal Reserve has increased interest rates 11 times during this period. And, with inflation cooling off, cash and cash-alternative investments are offering a decent "real return." A real return is an investor's return after adjusting for inflation. The July's consumer price index rose 3.2% over the last 12 months, so high-yeilding savings accounts are well above this mark. You may want to reconsider the location of your cash savings if you aren't earning near the national high. Important considerations: -You may need to open a new account with a new institution -In times of declining interest rates, your rate will likely decrease -Savings accounts are fully liquid, so the ease of access could be tempting for spenders Other alternatives you may want to consider: -money market accounts -certificates of deposit (CD's) -treasuries Soources: https://www.investopedia.com/best-high-yield-savings-accounts-4770633 https://www.bls.gov/cpi/ Disclosure: CDs offer a fixed rate of return. The value of a CD is guaranteed up to $250,000 per depositor, per insured institution, per insured institution, by the Federal Deposit Insurance Corp. (FDIC). An investment in a money market fund is not insured or guaranteed by the FDIC or any other government agency. A money market fund seeks to maintain the value of $1.00 per share although you could lose money. The FDIC is an independent agency of the US government that protect the funds depositors place in banks and savings associations. FDIC insurance is backed by the full faith and credit of the United States government. See thrivent.com/social for more information
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Are you putting your cash to work? In January 2022, the highest nationally available savings account rate was 0.70%. Yesterday, the highest nationally available savings account rate is 5.26%. The Federal Reserve has increased interest rates 11 times during this period. And, with inflation cooling off, cash and cash-alternative investments are offering a decent "real return." A real return is an investor's return after adjusting for inflation. The July's consumer price index rose 3.2% over the last 12 months, so high-yeilding savings accounts are well above this mark. You may want to reconsider the location of your cash savings if you aren't earning near the national high. Important considerations: -You may need to open a new account with a new institution -In times of declining interest rates, your rate will likely decrease -Savings accounts are fully liquid, so the ease of access could be tempting for spenders Other alternatives you may want to consider: -money market accounts -certificates of deposit (CD's) -treasuries Soources: https://www.investopedia.com/best-high-yield-savings-accounts-4770633 https://www.bls.gov/cpi/ Disclosure: CDs offer a fixed rate of return. The value of a CD is guaranteed up to $250,000 per depositor, per insured institution, per insured institution, by the Federal Deposit Insurance Corp. (FDIC). An investment in a money market fund is not insured or guaranteed by the FDIC or any other government agency. A money market fund seeks to maintain the value of $1.00 per share although you could lose money. The FDIC is an independent agency of the US government that protect the funds depositors place in banks and savings associations. FDIC insurance is backed by the full faith and credit of the United States government. See thrivent.com/social for more information
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Timing vs Time-In When trying to time the market, you have to be right twice, knowing when to sell and when to buy. Even the greatest frequently get timing wrong. More often than not, the average investor, driven by emotions, exits the market after a decline. Then, they re-enter the market after a rebound and miss out on the recovery. More importantly, is "Time In" the market. Below illustrates the impact of missing the 10 best days in the market over the past 15 years ending 12/31/2022: S&P500 - 255% Total return over the past 15 years S&P500 - 62% Total return if you missed the 10 best days over the past 15 years Tips: 1. Diversify your portfolio 2. Match your allocation with your risk tolerance and timeline for use of funds 3. Stay the course Source: https://www.thrivent.com/literature/33094C.pdf Disclosure: While diversification can help reduce market risk, it does not eliminate it. Diversification does not assure a profit or protect against loss in a declining market. See thrivent.com/social for more information
Timing vs Time-In When trying to time the market, you have to be right twice, knowing when to sell and when to buy. Even the greatest frequently get timing wrong. More often than not, the average investor, driven by emotions, exits the market after a decline. Then, they re-enter the market after a rebound and miss out on the recovery. More importantly, is "Time In" the market. Below illustrates the impact of missing the 10 best days in the market over the past 15 years ending 12/31/2022: S&P500 - 255% Total return over the past 15 years S&P500 - 62% Total return if you missed the 10 best days over the past 15 years Tips: 1. Diversify your portfolio 2. Match your allocation with your risk tolerance and timeline for use of funds 3. Stay the course Source: https://www.thrivent.com/literature/33094C.pdf Disclosure: While diversification can help reduce market risk, it does not eliminate it. Diversification does not assure a profit or protect against loss in a declining market. See thrivent.com/social for more information