Loading
347.331.0648 Fax: 347.331.06.47
5C Capital Management, LLC
  • About
    • How We Work
    • The Power of Long-Term Investing
    • Building a Resilient Portfolio
  • Our Insights
    • 2023 Financial Planning checklist
    • Should You Be Concerned About Inflation?
    • 529 College Savings Plans
    • Planning For Special Needs
    • Planning for Cost of College
    • Why Consider Long-term Care in Your Financial Plan?
    • Social Security and Medicare Face Financial Challenges
    • Reaching Retirement: Now What?
    • IRS Outlines Changes to Health-Care Spending Rules Under CARES Act
    • 5C Capital Markets update February 2022
    • October 2022 Economic Update Webinar
    • May 2022 Economic Update Webinar
  • Our Team
  • News
  • Retirement Plan Services
  • 5C Global
  • Contact
  • 347.331.0648
  • Menu

We wish you a peaceful & healthy 2023.

We look towards a stronger 2023, although we expect capital markets to experience greater than normal volatility.

2022 was marked by considerable challenges – the war in Ukraine, inflation at a 40-year high, and Covid’s re-emergence in China. Mortgage rates increased greater than 100% during the calendar year, testing residential and commercial real estate valuations. Although this pricing and income drag should persist for the near term, we hope that the Fed’s eventual easing will stabilize the market.

The Fed Funds target rate is now between 4.25% – 4.5% after last year’s aggressive rate hikes. We expect the fed to raise again on February 1, hopefully very modestly and with strong guidance on a terminal rate. If inflation continues to ebb and unemployment rises, we expect a recession to follow. However, while there is much disagreement on when and how deep the contraction will be, the prevailing opinion is that it will be short-lived.

2022 Performance of Broad asset classes:

Again, we hope to experience a relatively short recession followed by an improving macro environment marked by moderating inflation and a yield curve trending towards more normalized ranges.

The better news – employment is relatively strong, corporate and consumer balance sheets are generally well capitalized and – the markets have already incorporated certain recessionary pressures. We hope for a peaceful resolution to the Ukraine/Russia conflict and accompanying positive developments for global markets.

Investment strategy & positioning

A silver lining – short to mid-term fixed income is generating significant income, with yields frequently exceeding 4% on short term US Treasuries, CD’s and high-quality Government Sponsored Entities. In certain situations, municipal bonds provide comparable tax adjusted yields to US Treasuries. We expect short/mid-term fixed income securities that are held to maturity to outperform as they recoup principal value temporarily lost when interest rates rose. Commodities/gold and clean energy outperformed broader equities and provided a modest hedge against inflation.

Key takeaways:

  • Continue to stay diversified;
  • Consider modestly increasing liquidity to counter additional volatility; and
  • Be opportunistic, not fatalistic in response to pockets of market weakness.  For example, dividend/value-oriented equity, including broad small cap exposure and targeted growth areas such as clean energy/cyber related technology.

Although financial markets continue to be volatile and negative sentiment persists, we expect long-term investors to be rewarded appropriately for the risk they continue to take.

Please do not hesitate to contact us at any time with questions and to schedule a financial review.

With a deep sense of responsibility,

5C Capital Management’s Investment Team

Michael R Sanders, Principal

Chief Investment Officer

Craig Marson, Principal

Director of Financial Planning

Disclosure:  Information contained in this communication is not considered an official record of your account and does not supersede normal trade confirmations or statements. Any information provided has been prepared from sources believed to be reliable but is not, does not represent all available data necessary for making investment decisions and is for informational purposes only. Any distribution, use or copying of this presentation or the information it contains by other than an intended recipient is prohibited. This information is subject to review by supervisory personnel, is retained and may be produced to regulatory authorities or others with a legal right to the information.
This presentation does not constitute an offering or sale of securities. This presentation is not, and under no circumstances is to be construed as, a prospectus, advertisement or public offering of securities. Past performance is not necessarily an indication of future results.
Please remember to contact 5C Capital Management, LLC if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you want to impose, add, or to modify any reasonable restrictions to our investment advisory services.
Federal and State securities laws require that we maintain and make available current copies of our Registered Investment Adviser Disclosure Document, also known as Form ADV Part II. Pursuant to SEC Regulation S-P, our Privacy Notice can be found by contacting our office or visiting us at
www.5cwealth.com

*Source: Bloomberg. Total returns for period ending 12/31/2022 MSCI World index, NASDAQ Composite index, Russell Indices, Standard & Poors. All returns are rounded to nearest 1% for presentation purposes, with exception of Gold given slight negative return.

Recent Posts

  • 5C Capital Markets Update January 2023
  • 5C Capital Markets Update October 2022
  • 5C Capital Markets Update May 2022
  • 5C Capital Markets Update February 2022
  • Inflation Data

Facebook Feed

5C Capital Management, LLC

3 weeks ago

5C Capital Management, LLC
WE WISH YOU A PEACEFUL & HEALTHY 2023.We look towards a stronger 2023, although we expect capital markets to experience greater than normal volatility.2022 was marked by considerable challenges – the war in Ukraine, inflation at a 40-year high, and Covid’s re-emergence in China. Mortgage rates increased greater than 100% during the calendar year, testing residential and commercial real estate valuations. Although this pricing and income drag should persist for the near term, we hope that the Fed’s eventual easing will stabilize the market.The Fed Funds target rate is now between 4.25% – 4.5% after last year’s aggressive rate hikes. We expect the fed to raise again on February 1, hopefully very modestly and with strong guidance on a terminal rate. If inflation continues to ebb and unemployment rises, we expect a recession to follow. However, while there is much disagreement on when and how deep the contraction will be, the prevailing opinion is that it will be short-lived.Read the full article online at: 5cwealth.com/5c-capital-markets-update-january-2023/Please do not hesitate to contact us at any time with questions at 347.331.0648. ... See MoreSee Less

Photo

View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email

5C Capital Management, LLC

2 months ago

5C Capital Management, LLC
May your Thanksgiving and all the days ahead be filled with happiness, joy and prosperity. We wish you and yours a happy Thanksgiving.The 5C Capital Management Team#Thanksgiving #gratitude #thankyou #thankful ... See MoreSee Less

Photo

View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email

5C Capital Management, LLC

3 months ago

5C Capital Management, LLC
As 2022 closes, we take this opportunity to encourage year-end planning for a smoother transition to 2023. We are pleased to provide our financial planning checklist online at: 5cwealth.com/year-end-planning-checklist/Please do not hesitate to contact us with any questions or to schedule a meeting.New York Office:707 Westchester Avenue Suite 210White Plains NY, 10604(347) 331-0648New Jersey Office:50 Tice Boulevard, Suite A32Woodcliff Lake, NJ 07677(201) 474-0987Main phone # (347) 3310648 5cwealth.com/#planning #financialplanning #financialadvisors #financialhealth ... See MoreSee Less

Photo

View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email

5C Capital Management, LLC

4 months ago

5C Capital Management, LLC
5C Capital invites you to attend their upcoming webinar.We will discuss the following topics:• How to protect your portfolio from inflation• Managing through global market volatility• Opportunities in uncertain timesOctober 18, 2022Noon EST and 7pm ESTDuration: 30 minutes plus Q&A session followingRegister for the Noon webinar at:events.r20.constantcontact.com/register/event?oeidk=a07ejeateuj859e23f8&llr=9an6s6zabRegister for the 7:00pm webinar at:events.r20.constantcontact.com/register/event?oeidk=a07ejeatevx64e7dc15&llr=9an6s6zabFor more information, please email us at: akonigsberg@5cwealth.com#webinar #financialmarket #financialadvice #inflation #financialliteracy #capitalmarkets ... See MoreSee Less

Photo

View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email

5C Capital Management, LLC

4 months ago

5C Capital Management, LLC
5C Capital invites you to attend their upcoming webinar.‌The following topics will be discussed:• Inflation, interest rates, monetary and economic policy trends• Identifying and implementing portfolio strategies during equity and risk asset weakness• Fixed income and related sectors: review and outlookOctober 18, 2022Noon EST and 7pm ESTDuration: 30 minutes plus Q&A session followingRegister for the Noon webinar at:events.r20.constantcontact.com/register/event?oeidk=a07ejeateuj859e23f8&llr=9an6s6zabRegister for the 7:00pm webinar at:events.r20.constantcontact.com/register/event?oeidk=a07ejeatevx64e7dc15&llr=9an6s6zabFor more information, please email us at : akonigsberg@5cwealth.com#webinar #financialmarket #financialadvice #inflation #financialliteracy #capitalmarkets ... See MoreSee Less

Video

View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email

New York Office: 707 Westchester Avenue, Suite 210, White Plains, NY 10604 I 347.331.0648 I Fax: 347.331.0647

New Jersey Office: 50 Tice Boulevard, Suite A32 Woodcliff Lake, NJ 07677 I 201.474.0987

Note to All Readers: The information contained herein reflects the views of 5C Capital Management, LLC and sources believed by 5C Capital Management, LLC to be reliable. No representation or warranty is made concerning the accuracy of any data compiled herein. There is no guarantee that any projection, forecast or opinion in these materials will be experienced by any client. Past performance is neither indicative of, nor a guarantee of future results. The views expressed herein may change at any time. These materials are provided for information purposes only and may not be construed as investment, legal, tax, accounting, planning and or consulting advice. The information contained herein does not evaluate or make recommendations regarding your specific investment objectives, financial situation and circumstance. When evaluating this material for purposes of making any assessment concerning 5C Capital Management, LLC, consider discussing your specific situation with other professionals prior to making any decision. Any information contained herein may not be construed as 5C Capital Management, LLC sales and or marketing materials and is not an offer or solicitation for the purchase or sale of any financial instrument, product, planning or consulting services sponsored or provided by 5C Capital Management, LLC or any representative of 5C Capital Management, LLC. Any references to specific securities, asset class, planning and consulting considerations are presented solely for illustrative purposes and are not to be considered recommendations by 5C Capital Management, LLC. 5C Capital Management, LLC may have positions in and or may affect transactions in, markets, industry sectors and companies described herein.

© 2022  5C Capital Management, LLC  Privacy Policy

Designed and developed by Create & Associates, Inc.

  

Scroll to top