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Q4 Investment Outlook

The Investment Committee of the Univest Wealth Management Division, under the direction of Timothy Chubb, Chief Investment Officer, recently met to review and update key performance indicators in order to chart its strategy for the remainder of the year. In the final quarter of 2018, the Committee expects to see a healthy U.S. economy and continued geopolitical uncertainty which may limit asset returns.

The following is the updated outlook as we head into the fourth and final quarter of 2018.


Every forecast is predicated on the information currently available and subject to the…


Is Your Business Ready for a Growing Economy?

The state of the economy has challenged businesses for several years, but we are starting 2017 with positive economic momentum. The last year ended with many economic indicators pointing towards a growing economy. It is thought by many economists that if we achieve lower taxes, less regulation and expanded trade, our economy will grow even faster. Is your business ready for that growing economy?

To ensure you are prepared, consider these three things while there is time to create plans and strategies to achieve growth:

Working Capital

Will you have enough capital to support your growth? Now is the time to evaluate…


Managing Interest Rate Risk

We have been saying for several years now that you should expect interest rates to rise. This has been slow in coming, but it is expected that interest rates will increase over the next 12 months. In anticipation of increasing rates, there are things you can do now as a business owner:

  • Refinance – If you have any long-term debt that carries a high interest rate, you should consider refinancing this debt. Be sure to review your documentation for exit or penalty fees. Also, keep in mind, even if you have fees, you can earn them back if you…

The Fed & Interest Rates – Why They Matter

The Federal Reserve decided to pass on the opportunity to increase interest rates in September. This comes on the heels of continued strong employment growth, although overall U.S. economic growth remains slow compared to historical averages with Gross Domestic Product (“GDP”) growth at just 1.5 percent for 2016.

The Fed has a dual mandate of full employment, which is near target, and price stability (inflation), which remains below the target. The Fed’s goal of 2% inflation, as measured by the Personal Consumption Expenditures (“PCE”), has remained below…

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