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Richard C. Young & Co., Ltd.

Richard C. Young & Co., Ltd. is a Naples, FL and Newport, RI based financial advisory firm. We have been ranked by Barron’s as one of the top independent financial advisors in the nation for the last eight consecutive years. We manage portfolios for individuals, families, and small businesses throughout the United States.

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Yields Below Inflation

August 27, 2019

August 2019 Client Letter

On August 15, the 10-year Treasury note offered a yield of 1.52%. The S&P 500 offered a yield of 1.83% and the NASDAQ composite a measly 0.97%. Think those yields are low? More than $15 trillion of government bonds worldwide now trade at negative yields, with 10-year German government bonds recently hitting a low of -0.71%.

4,000-Year Low in Bond Yields

July 29, 2019

July 2019 Client Letter

You may have concerns about today’s environment and how a variety of risks could impact the long-term health of your finances. One of the biggest concerns we all face is interest rates that have been so low for so long.

Jim Grant writes in his Grant’s Interest Rate Observer newsletter, “almost $13 trillion in debt world-wide is priced to yield less than nothing. Mostly, it’s just a little less than nothing, but, still, a little less than nothing isn’t much to retire on.” He calls this a 4,000-year low in bond yields.

Mid-Year 2019 Update: Grading the Investment Environment

June 27, 2019

June 2019 Client Letter

The first half of 2019 is over, and the current investment environment appears more uncertain today than it was at this time last year. While it’s difficult to judge how the remainder of the year will play out, we’ve decided to hand out letter grades to some of the current storylines that may impact financial markets and your investment portfolio.

Would You Rather Have $1 Million or a Penny That Doubles Daily for 30 Days?

May 22, 2019

May 2019 Client Letter

Would You Rather Have $1 Million or a Penny That Doubles Daily for 30 Days?
Long-time client Tom recently emailed me the following question and answer. I have seen various versions of this in the past, and I always enjoy rereading it. This piece appears to have been from the company Grow, www.grow.acorns.com, which has partnered with CNBC to deliver educational features on developing successful money habits.

A Simple But Effective Strategy to Compound Wealth

April 9, 2019

April 2019 Client Letter

As you know, we are fans of the simple but effective strategy of compound interest. Compounding is the process of using your dividends to buy more shares of the company that just paid them to you. Over time, the act of continually reinvesting dividends creates a snowball effect in which your initial investment grows exponentially.

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Client Letter Archives

Yield Scarcity

May 20, 2021

Maintaining a Long-Term Perspective

March 4, 2021

No Easy Choices

December 28, 2020

One of the Costliest Investment Mistakes You Can Make

December 2, 2020

An Unusual Year

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The Primary Reason to Save and Invest

September 18, 2020

Silver Soars

July 31, 2020

Investing for Income with Rock-bottom Interest Rates

June 23, 2020

Buy Your Straw Hats in Winter

April 22, 2020

Investing With Comfort During Retirement

March 4, 2020

Three Decades of Helping Investors Like You

January 29, 2020

How Will Stocks Do in 2020?

December 23, 2019

Buying the Highest-Yielding Stocks

November 25, 2019

The Royal Road to Riches: Blue-Chip Dividend-Paying Stocks

November 1, 2019

Should You Be Concerned about a Recession?

September 30, 2019

Yields Below Inflation

August 27, 2019

4,000-Year Low in Bond Yields

July 29, 2019

Mid-Year 2019 Update: Grading the Investment Environment

June 27, 2019

Would You Rather Have $1 Million or a Penny That Doubles Daily for 30 Days?

May 22, 2019

A Simple But Effective Strategy to Compound Wealth

April 9, 2019

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NAPLES, FL
5150 Tamiami Trail North, Suite 400
Naples, FL 34103
Phone: (888) 456-5444 Fax: (239) 213-0770

NEWPORT, RI
98 William Street
Newport, RI 02840
Phone: (800) 843-7273 Fax: (401) 849-0002

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