Bill Kan, CFA

Bill Kan, CFA founded Candent Capital to help individuals use their personal finances to achieve their goals. Bill has over 20 years capital markets experience advising individuals, investment managers and governments on wealth management, economics and investment strategy.

Performance if Miss Out on Best Days

Using Discipline During Periods of Market Volatility

Last Week’s Reminder: Volatility is a Fact of Life for Investors Volatility spiked for stock markets around the world last week. Higher in the volatility in the U.S. meant that indices such as the S&P 500 US stock index fell as much as 11.8% from its peak of 2,872.87 on January 26, 2018. The last …

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Six Ways to Make Your Money & Your Impact Go Further Before End of 2017

Before I get into the six ways to make your money and your impact go further, consider current talks regarding tax reform. They can influence your money and your impact. The last major overhaul in taxes was in 1986, 31 years ago. I expect the Republican Congress to pass a tax bill so they can …

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5 Simple Ways to Improve Cybersecurity & Protect Yourself Against Identity Theft

Cybersecurity is one of the biggest challenges of modern times. Identity theft is one of the outcomes that you want to avoid. It can be a huge drain on time and money. No time is better than now to update your passwords and check your credit reports. Recent news on the theft of personal information …

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Outlook Post 2016 Presidential Election

The Trump victory keeps us in the bizarro world that I described in the July Quarterly Client Letter. Expect the unexpected is the lesson for 2016. Who would have thought that the UK would vote in favor of leaving the European Union in June? Who would have thought that many developed countries would have negative …

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Plan Ahead to Increase College Financial Aid

College is one of the biggest investments that a family will make for its children. Four years of college can run upwards of a quarter of a million dollars at a private school and roughly half at a public institution. The reality is that two-thirds of families do not pay the full amount. They receive …

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How to Get a Free Lunch with Diversification

The closest thing to a free lunch when it comes to managing your money is diversification.  When done properly, diversification can help you achieve what every investor wants – returns with less risk. Unfortunately, the benefits often get lost in translation when put into practice. What is Diversification? Simply said, diversification is the process of …

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Fed Hits Pause on Rate Hike

The Fed, as expected, hit the pause button on its plan to hike interest rates following its FOMC meeting today. The sell-off in the stock market and oil prices are adding to the of cross currents about the health of the economy. The Fed hiked short-term rates last December, the first time in almost 10 …

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Five Things to Do Before Retirement

Ready or not, retirement may be around the corner. Maybe it is coming early or long coming. Either way, it will be a time for adjustment for many people. By some estimates, 10,000 baby boomers will retire every day. Here are five things to do before retirement. Review investment portfolio and implement adjustments to reflect …

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Am I Ready for Retirement?

A friend recently asked me if I thought he was ready for retirement. Fred’s nest egg had grown nicely over his 20-year career. Retirement meant leaving behind a steady paycheck and the benefits of a big company with a generous stock option plan. But as someone in his mid-40s, Fred could return to work if …

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Financial Lessons from Emergency Response Training

Along with 70 other San Franciscans, my wife and I recently completed NERT training. As Neighborhood Emergency Response Team volunteers, we would assist the San Francisco Fire Department and our community in case of disaster. Much of what we learned about responding to earthquakes and fires can also apply to financial lessons for the management of personal …

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