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 and [...]
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 for [...]
Hilcorp 401(k) Model Allocations – Q1/2021
Attention Hilcorp Employees, Capstone RIA 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 for most [...]
BP 401(k) Model Allocations – Q1/2021
Attention BP Employees, Capstone RIA 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 for most [...]
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 rates. [...]
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 are [...]
RAP/Pension InterestRate Chart October 2020
BP EMPLOYEES, Interest rates for September (affecting January benefit commencement dates) rose moderately and were mostly in line with our projections. Last month’s rate increases mark the first increase in several months and we anticipate this to continue, especially if there is no additional stimulus passed by congress. Based on this increase, December is currently the [...]
Hilcorp 401(k) Model Allocations – Q4/2020
Attention Hilcorp Employees, Capstone RIA is pleased to release our Q4 2020 401(k) model allocations for your Hilcorp 401(k). As US and global economies continue to recover from the impacts of COVID-19, we expect to see continued overall growth but with heightened volatility namely in conjunction with the upcoming presidential election. Many of you have asked [...]
Should the Presidential Election Affect Your Investment Strategy?
Most voters say “yes” but historical research says “no”. It is common for voters to have strong beliefs supporting why their political candidate is more beneficial for Wall Street, but research would argue that is not the case. Stocks have historically performed well regardless of which party controls the White House (we will revisit this topic [...]
BP 401(k) Model Allocations – Q4/2020
Attention BP Employees, Capstone RIA is pleased to release our Q4 2020 401(k) model allocations for your BP ESP. As US and global economies continue to recover from the impacts of COVID-19, we expect to see continued overall growth but with heightened volatility namely in conjunction with the upcoming presidential election. Many of you have asked [...]
