Wealth Planning 5 strategies for ending the year strong
Make sure you are well positioned to end the year strong by taking action on these five planning strategies in the fourth quarter.
Educación financiera
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UBS House View - Daily US Consumer facing sectors still the preferred option
In the US, consumption represents almost 70% of GDP, and one of this year’s big questions has been whether manufacturing weakness will spill over into the consumer sectors of the economy. más
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Entrepreneurs Managing your energy mix as a business owner
As renewable sources become a more important component in the energy mix, business owners need to make sure that they navigate the transition. Here are some points to bear in mind... más
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Fixed Income Fixed income: High rewards for risk in 2019
Risk-adjusted returns have been very impressive in fixed income this year. Although the Treasury market has witnessed impressive returns in 2019, other fixed income assets have done substantially better when adjusting for the volatility witnessed in interest rates throughout the year. más
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US equities 2020 outlook: Three strikes but still not out
In baseball, after three strikes the batter is out. The current bull market – which is likely to celebrate its 11th anniversary in early 2020 – has been able to shrug off three significant "strikes" over the past decade: the European debt crisis in 2011–12, the collapse in oil prices in 2015, and the global trade war in 2019. más
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Legacy strategy How to leave a meaningful inheritance
Inheritance sits at the intersection of two taboo subjects — money and death — so it's little surprise that many families choose to put this off as long as possible. According to "Begin before the end"— a UBS Investor Watch survey of nearly 3,000 US investors—only 54% of benefactors said that they've discussed their inheritance plans with their heirs, and just 34% have let them know about the size of their estate. más
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UBS House View - Daily US Seek investments less dependent on trade
US stocks ended the day down 0.7% on 3 December after US President Donald Trump said he has no deadline for when he wants to reach a trade deal with China. President Trump’s comments suggest no urgency ahead of a 15 December deadline after which the US administration has threatened to impose more tariffs on Chinese goods. más
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US Economy Holiday spending data shows ecommerce strength
American shoppers stepped up spending by 16% during the five-day shopping period between Thanksgiving Day and Cyber Monday, according to latest data. Consumers took to online shopping in greater numbers incentivized by free shipping deals and the ability to order online and pick up in store. más
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Retirement planning Leaving Hotel California
When it comes to building a nest egg for retirement, where you live and work matters. By changing where you live and work, you can increase your savings rate and lower the cost of retirement, in the view of the UBS Chief Investment Office. That realization has certainly hit many Californians, where housing affordability is at historic lows. California has seen a net outflow of migrants for seven straight years. más
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Young investors Women in finance: It's time to talk
Money has the reputation of being an awkward topic of conversation and, for women in particular, it can be unfairly perceived as rude or inappropriate to even broach the subject. Simran Chahal, a Graduate Talent Program Analyst based in the US, shares her perspective as a young woman in finance. más
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UBS House View Briefcase Has the equity outlook improved?
Investors have greeted any sign of cooling trade tensions with relief, with the S&P 500 hitting record highs. While messages remain mixed from the US President and his officials, there have been credible signs that a deal is more likely, which reduces risks for stocks. más
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House View Investors will need a selective approach in 2020
Global and US stocks hit a record high last week amid mounting optimism about a US-China trade deal. China's Ministry of Commerce said the two nations had "reached consensus on properly resolving relevant issues," and US President Donald Trump later said talks were in their "final throes." más
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UBS House View - Daily US Global policy chiefs raise temperature on climate
The United Nations Climate Change Conference, also known as COP25, starts today in Madrid, and comes amid rising pressure from policy makers around the world for action on emissions. Central bankers have increasingly become involved in the climate debate. más
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Sustainable Investing Introduction to green bonds
The first green bonds were issued more than 10 years ago by development banks. They are intended to help achieve climate targets and support the Sustainable Development Goals of the UN. más
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UBS House View - Daily US Don’t expect a fiscal bonanza
Political choices will be a crucial factor in market performance in the year ahead. One of the key issues is the evolving debate over fiscal and monetary policy. más
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US-China trade What does the US's Hong Kong Act mean?
While US legislation on Hong Kong won’t help US-China relations, we don’t see this significantly altering the state of play in trade negotiations. más
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Investing How should I invest in 2020?
We think the global economy will continue to slow down next year. Market performance will depend largely on political choices, including the US-China trade issue, elections in the UK and the US, and on fiscal policy. But investors can reassert some control by seeking investments less sensitive to politics. más
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Cryptocurrencies Crypto hype deflates again
Bitcoin tested a six-month low near USD 6,515 on Monday, following negative commentary from China's central bank. más
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Housing Happy Thanksgiving to the US housing market
On 26 November 2019, the Federal Housing Finance Agency (FHFA), the conservator for Fannie Mae and Freddie Mac, announced that its raising the limit in most of the US for conforming mortgages from USD 484,350 to USD 510,400. más
