Texas Educators Retirement Financial Advisor

Texas Educators Retirement Financial Advisor Are you an educator worried about your financial future and retirement? Money Concepts is not affiliated with Facebook, Inc. or the Facebook, Inc. service.

Educator and Financial Advisor, Ruben Ruiz Jr, teaches, educates, and provides consulting services to teachers and educators in wealth management and retirement planning. Money Concepts does not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by fans or any third-parties on our Facebook Fan Page. Money Concepts does not control, serve, adopt or endorse a

ny advertising, messages or content that Facebook may publish on its site or on the Money Concepts Fan Page. Money Concepts does not adopt or endorse any products, services, advertisements, recommendations or statements, or any other content that may appear on Facebook or on other Facebook-affiliated sites. No part of this page is intended to make a recommendation or state a testimonial for or about a security, service or product, or to provide investment, tax or any other advice. This Fan Page is intended for US persons only. Any non- Money Concepts URLs or external websites mentioned on Facebook are unaffiliated with Money Concepts. Money Concepts has not been involved in the preparation of the content supplied at the unaffiliated sites and does not guarantee or assume any responsibility for its content. Third party marks appearing herein are the property of their respective owners. Guarantees are subject to the claims-paying ability of the issuing insurance company. Please remember investing involves risks, and the value of your investment will fluctuate over time and you may gain or lose money. All Securities Offered Through Money Concepts Capital Corp. Member FINRA / SIPC
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Do You Have the Right Stuff?
04/08/2022

Do You Have the Right Stuff?

I've had the great fortune to work with advisors who are retired commercial or private pilots. These professionals are thoughtful, deliberate and unflappable in the face of challenge. To some extent, pilots are both born and made. It takes a certain kind of person to accept the responsibility of ope...

How Green Bonds Will Fund a Green Future
04/08/2022

How Green Bonds Will Fund a Green Future

The range of issuers has broadened as well. Until recently, ESG bond issuance was mainly the preserve of investment-grade issuers. But in 2021, high-yield issuance across US dollar and euro markets quadrupled.

Russia Invasion Energy Shock Prompts Monetary Policy Rethink
04/07/2022

Russia Invasion Energy Shock Prompts Monetary Policy Rethink

Russia's invasion of Ukraine has shocked the global economy, in particular by fueling further spikes in energy and commodity prices. The new inflationary catalysts will have differing effects on monetary policy moves because regional economies are starting from different places, which will determine...

Being Selective in High-Yield Credit Can Help Multi-Asset Strategies
04/07/2022

Being Selective in High-Yield Credit Can Help Multi-Asset Strategies

Historically low interest rates have left investors with fewer fixed-income options to bolster portfolio yield. We think high-yield bonds-issuers rated BB or below-have become more attractive recently. High-yield spreads compared to US Treasuries are much wider than they were for most of 2021 and ar...

Russia Invasion Energy Shock Prompts Monetary Policy Rethink
04/06/2022

Russia Invasion Energy Shock Prompts Monetary Policy Rethink

In the euro area by contrast, while the nominal paycheck is growing at a healthy rate of 4%-the strongest pace since the Global Financial Crisis-real paycheck growth is stagnant or even slightly down. As a result, rising prices erode consumers' purchasing power.

Inflation TIPS for Fixed-Income Investors
04/06/2022

Inflation TIPS for Fixed-Income Investors

Inflation TIPS for Fixed-Income Investors What happens when you combine the tipping point of two deflationary forces-globalization and demographics-with a pandemic, epic supply-chain disruptions and an invasion in Europe? Inflation of a magnitude not seen since the 1970s. Some of the contributing fa...

Emerging-Market Sovereign Debt Needs ESG Scrutiny
04/05/2022

Emerging-Market Sovereign Debt Needs ESG Scrutiny

Transcript: Patrick O'Connell: At AllianceBernstein, we feel like we have a differentiated way to approach ESG investing. We have a 360-degree view of analyzing ESG risks from all parts of a company or country's stakeholders. Further, we have our proprietary methodology to bring that information to....

Inflation TIPS for Fixed-Income Investors
04/04/2022

Inflation TIPS for Fixed-Income Investors

What happens when you combine the tipping point of two deflationary forces-globalization and demographics-with a pandemic, epic supply-chain disruptions and an invasion in Europe? Inflation of a magnitude not seen since the 1970s. Some of the contributing factors may be transitory, but not all, and....

The Long View: Russia-Ukraine War Has Lasting Implications for Investing
04/04/2022

The Long View: Russia-Ukraine War Has Lasting Implications for Investing

When Russian president Vladimir Putin sent troops into Ukraine, he unraveled decades of efforts to cement peace in Europe after the Cold War. For investors, the new world order has shaken up broad issues that shape our analysis of asset classes and securities. The humanitarian tragedy we are witness...

ECB's Surprise Taper Decision Comes with Economic Risk
04/02/2022

ECB's Surprise Taper Decision Comes with Economic Risk

At its March 10 meeting, the European Central Bank (ECB) surprised the market by announcing an acceleration of its tapering program-wrapping up securities purchases earlier than anticipated. Most investors had expected the ECB to delay any changes to its purchases until at least the next policy meet...

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