Attn BP Employees, Interest rates for March (impacting July 2021 Benefit Commencement Dates) moved sharply higher for the third consecutive month. After several months of significant increases in corporate rates, we anticipate the current pace to pause, providing those of you who are retiring later this year the possibility of relief from the massive swings
RAP/Pension InterestRate Chart March 2021
BP Employees, Interest rates for February (impacting June 2021 Benefit Commencement Dates) continued to move sharply higher after already experiencing significant increases over the past several months. Figures released this month show the largest percentage increase we have seen in several years. Next month, we anticipate an even larger move higher when March’s rates are
Hilcorp 401(k) Model Allocations – Q2/2021
Attention Hilcorp Employees, Capstone Wealth Advisors is pleased to announce the release of our Q2/2021 401(k) Model Allocations. In this quarter’s update we are maintaining a “Cautiously Optimistic” outlook for equity markets and a pessimistic or bearish outlook for bond markets. With COVID restrictions continuing to relax and the massive level of financial stimulus added
BP 401(k) Model Allocations – Q2/2021
Attention BP Employees, Capstone Wealth Advisors is pleased to announce the release of our Q2/2021 401(k) Model Allocations. In this quarter’s update we are maintaining a “Cautiously Optimistic” outlook for equity markets and a pessimistic or bearish outlook for bond markets. With COVID restrictions continuing to relax and the massive level of financial stimulus added
RAP/Pension InterestRate Chart February 2021
BP Employees, Interest rates for January (impacting May 2021 Benefit Commencement Dates) significantly increased versus December’s figures and were in line with our expectations. In 2020 we experienced historically low interest rates that were put into effect to help combat the economic impact of COVID-19. However, with an end in sight for the pandemic, January
RAP/Pension InterestRate Chart January 2021
BP Employees, Interest rates for December (impacting April 2021 benefit commencement dates) moved slightly lower versus November’s figures and were mostly in line with our expectations. Although interest rates have remained relatively low over past months, we do not expect to see that trend continuing indefinitely. Currently, April yields the largest lump sum value
Hilcorp 401(k) Model Allocations – Q1/2021
Attention Hilcorp Employees, Capstone Wealth Advisors is pleased to release our Q1/2021 model allocations for your Hilcorp 401(k). This quarter’s allocations have changed substantially from last quarter and we highly recommend you update your portfolio to match our recommendations. The most notable changes within the allocations are the reintroduction of several asset classes that struggled
BP 401(k) Model Allocations – Q1/2021
Attention BP Employees, Capstone Wealth Advisors is pleased to release our Q1/2021 model allocations for your BP 401(k). This quarter’s allocations have changed substantially from last quarter and we highly recommend you update your portfolio to match our recommendations. The most notable changes within the allocations are the reintroduction of several asset classes that struggled
RAP/Pension InterestRate Chart December 2020
BP Employees, Interest rates for November (affecting March 1st benefit commencement dates) were mostly in-line with our projections, showing little change from previous months. The past three months have shown a minimal change in corporate bond rates, while government bond rates have risen substantially. Your pension is highly tied to corporate rates and not government
RAP/Pension InterestRate Chart November 2020
BP EMPLOYEES, Interest rates for October (affecting February benefit commencement dates) rose across the board and finished in line with our forecasts from last month. It also marked the second consecutive month that interest rates have risen from their historically low levels. Currently we anticipate November’s interest rates to finalize very close to where they