The insurance company assumes the financial risk of covering these events in exchange for the premiums paid by the policyholder. There are many different types of insurance,

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Author: Michael Hart, CFA

Investment Opportunities in Gold

Q2 2024 Market Commentary It’s Up-Up and Away! Gold Advancing Golds’ recent ascent to over $2,300 signals a combination of fundamental factors. These include: the anticipation of lower interest rates, continued inflationary pressures and global political turbulence.  Comments by U.S. Federal Reserve officials indicate a desire to cut interest rates at some point this year.  […]

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Exchange Traded Funds or Global Equities: Which is the Right Choice for You?

Objective To provide investors with a comparison between investing in global equities directly and investing through Exchange-Traded Funds (ETFs). Introduction to Investing Strategies Overview of ETFs An ETF is an investment fund that is listed and traded on stock exchanges. An ETF may own investments such as stocks, bonds, cash, or other financial assets. The […]

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Q1 2024 Market Commentary

Global Equities After a tumultuous 2022, stock and bond markets enjoyed a stellar performance year in 2023.  Hemispheres equity strategies surged ahead, with its 100% global equities strategy up over 37%.  For 2024, the Firm continues to own undervalued global equities, yet tempers its return expectations compared to 2023, given the upward pricing that many […]

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Q4 2023 Market Commentary

Platinum Group Metals In 2021 about 71% of estimated annual Platinum Group Metal (PGM) demand comes from the motor vehicle segment of the economy. Platinum is a key component in catalytic converter manufacturing. A catalytic converter’s function is to reduce dangerous gases found in engine exhaust. Approximately 95% of vehicles have catalytic converters. Other material […]

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HIM Global Equity Total Return Graph

Disclosures:Past performance is not indicative of future performance.Cash was included in calculated the Global Equity portfolio returns.The Global Equity benchmark is the MSCI Global Value Index.Investing in the Global Equity risk entails substantial risks, including risks associated with investing in emerging markets.The Global Equity strategy is not FDIC insured and securities in the Global Equity […]

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