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This is perhaps the most human question there is: what will happen next?
We all want to know where we are going, what evil is going to happen to us, what a good turning point our life can take.
When it comesgit our money, these questions seem particularly important. What if this investment decision backfires? Will I be richer or poorer next year? Can my savings last?
CNBC this month released its list FA "100 of the top 100 financial advisors in the United States: those professionals who get paid to answer tough financial questions for clients.
En learn more about FA 100:
FA 100: CNBC ranks top rated consulting firms of 2021
How "the pandemic changed the financial consulting industry
Here is "how the best financial advisors recruit young people talents
We haves asked some of them about what they see on the horizon and the answers they have found to prepare their clients for it.
Mark Mirsberger, CEO of Dana Investment Advisors
Ranking on FA 100 list: 1 Mark MirsbergerSource: Dana Investment Advisors
"We do not view rising inflation as completely transitory, and therefore we position portfolios accordingly " Mirsberger told Dana " Investment Advisors . "This includes focusing on floating and variable rate bonds.
"FAANG and other high-tech stocks have dominated major indexes in recent years and have benefited from the pandemic, " Mirsberger added, referring to Facebook , Amazon , Apple , Netflix and Alphabet (formerly Google). "While we believe the technology is much stronger than it was in 2000, we believe that value strategies with good growth rates will pay off.
" We also believe that investors will continue to embrace ESG [environmental and social governance], and that the SEC will help improve
Harlan Cadinha, president and chief strategist of Cadinha & Co.
Rank on the FA 100: 90 list Harlan Cadinha
"A post-pandemic rebound should be observed in consumer stocks: companionsies airlines, restaurants, hotels and resorts are expected to post strong relative profits versus hollow profits caused by Covid, "Cadinha told Cadinha " & Co .
"Government interference such as price control of pharmaceuticals, which is a goal of the proposed Biden legislation, will lower the growth rates of affected companies, "he added. "Government interference could also affect companies like Google, Facebook, Twitter and Apple.
He said the company is currently 47% invested in stocks, 8% in short-term treasury bills and the remainder in cash.
"The liquidity of the portfolios is there for a large part of the bond money which we keep away from the bondstions because of our current negative view on bonds, "said Cadinha.
Michael Bisaro, president of StraightLine Group
Rank on FA list 100: 92 Michael BisaroSource:
"Post-pandemic periods will be marked by interest rates in rising, higher inflation levels and continued challenges in StraightLine " Group . "Large companies will likely outperform smaller ones, as increased scale will lead to fewer problems with securing stocks.
" While we are generally positive about the outlook for most stock markets, we are concerned about bonds "he added.
" The headwinds that will be created by low and slowly rising interest rates will produce prObably At a time when much of the bond market will experience negative real returns relative to inflation. "
Eric Leve, director of investments at Bailard
Rank on the FA 100: 97 list Eric LevePaul Simcock
"The soaring prices energy in 2021 has been extraordinary, Bailard 's "Leve mentioned. " This has been a combination of excess demand linked to Covid and post-Covid, strong discipline from OPEC + and persistent disruption from Hurricane Ida .
"With demand normalizing in 2022 and increasing oil and gas production, the sector's profits could be under pressure in 2022, " he said. -he adds. "Our bias would be to sell this year's rally.
On the other hand, Leve said: "Luxury goods have done well.omported during the pandemic, and we expect them to do so again next year. "
" Chinese consumers are essential for European consumer goods manufacturers and the half of Chinese purchases happen when they travel, "he added. " Once China re-authorizes overseas travel, we expect these accumulated expenses to provide a wind favorable to these companies. "
Kent Kramer, Director of Investments at Foster Group
Rank on FA list 100: 96 Kent Kramer
"It 's We still do not know what the economic meaning of cryptocurrency and the long-term viability of these assets "Kramer told Foster "Group .
" Governments are very likely to be behind in regulating these new developments.Active calves and future regulations, as well as government-sponsored digital currencies, are likely to change the landscape significantly. "