RMB Capital Management

Insights Library

Our Perspective

This collection of articles and commentaries from RMB provides examples of the in-depth research and analysis, industry knowledge, and fundamental principles underlying what we do for our clients. Explore the content available by scrolling or filtering topics.

Investment Commentary

Global risk assets have seen a five-week rally, and major indexes have now recouped the losses they experienced at the start of the year. As of March 18, the S&P 500 was back in positive territory for the year, up 80 basis points on a total return basis.

To Protect and Serve

At RMB we pride ourselves on providing a high level of client service, and one of the most important ways we can do this is to protect our clients’ interests by complying with industry rules and regulations. Client security is the crux of many regulations, especially as it relates to sensitive personal information that could put your identity or assets at risk.

Managing the Climbing Costs of College

As parents, my wife and I agree that our primary goal is to help our kids be successful in life. One highly influencing factor in being successful is getting a college degree, as it’s been shown to contribute an average of $1 million to lifetime earnings when compared with a high school degree.1 As our standard of living continues to improve in the U.S., the opportunity to go to college has become a reality for more and more teenagers. However, the rising costs of college education have dramatically outpaced average increases in our standard of living.2

Enhancing Our Dialogue About Your Retirement Plan

At RMB, we believe a financial advisor’s primary job is to understand a family’s long-term goals and then guide planning and investment decisions that should help the family achieve those goals. We are always striving to facilitate robust yet nuanced discussions with our clients about the various factors that can impact their long-term financial plans. To that end, we have recently implemented a powerful new planning software tool that helps us demonstrate the influence some of these factors can have on retirement goals. This article highlights the software’s core features and illustrates how it works through a simple case study.

Capitalizing on Inefficiencies

Professor Eugene Fama developed the efficient-market hypothesis (EMH) in the 1960s at the University of Chicago. The EMH became a widely adopted framework for testing different academic theories and various types of investment strategies, all with the goal of determining possible ways to generate better-than-market returns. Over time, several anomalies were found in the EMH, supporting the case that certain types of market inefficiencies do exist. We believe markets are efficient in the long run but can often be highly inefficient in the short run. The RMB Special Situations strategy (“Special Situations”) seeks to capitalize on these short-term market inefficiencies.

Market Perspective & Investment Outlook

In the third quarter of 2015, investors saw heightened volatility across global markets. In fact, the U.S. saw its first stock market correction since 2011, with the S&P 500 falling 12.35% between May 21 and August 25.1 Volatility increased when China devalued its currency during the first week of August, signaling a potential economic slowdown. With China being the largest consumer of most commodities, fears over a slowdown in China echoed broader concerns about global growth…

Beware of Investing’s Emotional Pitfalls

Many people spend a great deal of time and effort putting together a financial plan to fund all aspects of their lives, including buying a home, having children and putting them through college, insuring against unexpected events, and maintaining a comfortable lifestyle in retirement. To achieve these quantifiable goals, the plan must include a calculated investment strategy that can provide at least the minimum required rate of return.

The Sandwich Generation

Middle-aged individuals who are caring for aging parents, supporting children, and saving for retirement are a growing population named “the sandwich generation”. Demographic trends, such as longer life expectancies and more adult children returning home after college or between jobs, have contributed to the expansion of this group.