The RPG  Planner

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We appreciate all of you who were able to attend our 7th annual open house last week and hope that you enjoyed the celebration of RPG's 25th anniversary.  If you did not get to see our "RPG Through the Years" milestones wall to commemorate our 25 years in business, we encourage you to stop in and see it.

In this month's newsletter, we share our recent investment letter along with other us
eful links on a range of financial topics.  If you have suggestions for topics that you would like to see us cover with an article, a webcast, or even a live presentation, please let us know as we welcome suggestions to be more useful.  Again, we are thankful for your support.
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Plan Right                      

  • Simple and Effective Investing.  Our quarterly investment commentary begins with a Michael Jordan story and then explains two important studies - one on the common traits of the best retail investors and another on what happens to investor returns when investors get online trading access. 

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Investment Commentary

The combination of sluggish economic growth at home, negative interest rates abroad (see chart below), and concerns about the upcoming Brexit referendum were taken by investors to mean that Fed Chairwoman Janet Yellen was likely to be cautious about further rate increases in the immediate future.  Prospects of slower-than-expected Federal Reserve rate hikes helped to fuel a modest market rally in April with global stocks (MSCI All World Index) advancing 1.5%.  Bonds were similarly helped by expectations of a more patient Fed and the Barclays Aggregate Bond Index gained +0.4% in April.       
By far, the largest market gains during the month of April came from commodities with the Dow Jones Commodity Index posting its largest monthly gain (+9.1%) since 2010.  Impediments for commodity prices over the past five years such as weakening demand in China, a glut of oil and gas supply, and a strengthening US dollar have begun to subside in 2016.  Economic growth in China appears to be stabilizing due to increased stimulus, US crude production is slumping, a weaker US dollar is boosting demand for commodities, and unfavorable weather in South America has threatened grain supply - all catalysts for higher commodity prices.  

We encourage you to call or email us if you have any questions about the markets or your portfolio.  As always, you can reference the RPG Monthly Market Snapshot by clicking here for some key economic data points and index returns.      


  • It is graduation season for high school and college seniors with students ready to embark on the next chapter of life.  Consider scheduling a time for your recently graduated son or daughter to take our complimentary Financial Foundations course.  We walk through some of the basic financial principles that will set them on a path to success and it makes a nice graduation gift.     

Fun Stuff and Free Resources

  • We mentioned BillFixers last month as a new service that takes the hassle out of obtaining lower monthly bills for cable, cell phone, and Internet services.  Another option that just requires a snapshot of your most recent bill is Billshark.
  • Truebill and Billy are two free and useful apps that help to monitor your existing subscriptions and easily cancel those subscriptions you no longer need or want.

RPG News and Notes 

  • RPG Advisor Christian Mauser enjoyed his first trip to Augusta National and the Masters in April.  Here are a few of his photos from what he hopes to be the first of many trips.
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