By Victor Schramm, CFS®, AIF®An Introduction to Fixed Annuities If you google "Annuities" right now, you'll see a lot about Variable Annuities. Even on Chaim Investment Advisors, you'll see Variable Annuities discussed far more than Fixed Annuities. This is largely because the Variable Annuity is one of the more flexible investing vehicles out there in [...]
By Victor Schramm, CFS®, AIF®How COVID 19 Has Impacted our Operations as a Firm I'll say right at the beginning here that this is not an update on our market sentiment or reaction on a Macro Economic analysis level to the market fall out from COVID 19. You can read that here if that's something you're [...]
By Victor Schramm, CFS®, AIF®"Is Gold a Safe Investment?" Is gold a safe investment right now? I've heard this question countless times in my career and usually around times when the stock market is down a fair amount. I've never been asked this so many times as in the past week. It seems this is [...]
By Victor Schramm, CFS®, AIF®Notes on Coronavirus and Market Volatility The time to buy is when there's blood in the streets.- Baron Rothschild I share the grim epigraph above from Baron Rothschild because it's my favorite quote on investing. Some might be surprised to read that, because I am decidedly uncomfortable with profiting from mass [...]
By Victor Schramm, CFS®, AIF®Chaim Investment Advisors Has a New, Accredited Designation in Fiduciary Excellence After completing the Fi 360 course on Ethics and Fiduciary practice, I've earned the Accredited Investment Fiduciary (AIF®) designation. Aside from being yet another three letter acronym I attach to my name from now on, the AIF® is a milestone [...]
What is ESG Investing?By Victor Schramm, CFS® ESG investing is the topic of much conversation lately. It's become a major force in Institutional investing, which is a big deal for believers in Socially Responsible Investing. Getting large, pooled portfolios such as big endowments, foundations, pensions, and trusts to implement Socially Responsible Investing in their portfolios [...]
By Victor Schramm, CFS®The Ecclesiastes Investor What real value is there for a man in all the gains he makes beneath the sun? (Ecclesiastes, verse 3) For an investor, Ecclesiastes (known as Kohelet or Koheles in Hebrew) is an excellent book to read toward the end of every year. What real value is in the [...]
An Introduction to Factor InvestingBy Victor Schramm, CFS®Introduction Take a look at your brokerage account, IRA, or 401(k). Do you see anything in there with Large Cap, Value, Growth, or Small Cap in the title? If so, you're already investing with Factors. A very large proportion of American households use investments based on Factors but [...]
Portland Households Experiencing High Income GrowthBy Victor Schramm, CFS® It's no secret that Portland's economy has become more dynamic over the past decade. Portland is currently the most moved-to city in the nation for Millennials. 1 Oregon has had one of the highest net-immigration statistics over the past few years, owing largely to Portland. 2 According to [...]
The Case for Precious Metals in a Variable AnnuityBy Victor Schramm, CFS® There's no doubt that gold and precious metals are a hot topic right now. The rally in gold and precious metals are hardly just Wall St. buzz at the moment- as of writing this, State Street Advisors is reporting that cash inflows (i.e. [...]
