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A crossword puzzle made of red and white cubes features the words "CAPITAL" horizontally and "GAIN" vertically intersecting at the letter "A." Below the puzzle, the phrase "FUND DISTRIBUTIONS" is displayed in red, bold, stylized text.

<img decoding="async" width="761" height="566" src="https://www.sym.com/wp-content/uploads/2023/12/cgd.png" class="attachment-full size-full wp-image-8835" alt="A crossword puzzle made of red and white cubes features the words "CAPITAL" horizontally and "GAIN" vertically intersecting at the letter "A." Below the puzzle, the phrase "FUND DISTRIBUTIONS" is displayed in red, bold, stylized text." srcset="https://www.sym.com/wp-content/uploads/2023/12/cgd.png 761w, https://www.sym.com/wp-content/uploads/2023/12/cgd-300x223.png 300w" sizes="(max-width: 761px) 100vw, 761px" />

Capital Gains Fund Distributions Explained

As typically occurs at year-end, some of the funds in your SYM portfolio are expected to pay capital gains distributions in December. Because such distributions may impact your 2023 tax planning, we’d like to offer some thoughts about the process. Because mutual funds do not pay taxes, they must

Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation

<img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" />

What Does Increasing the Minimum Wage Do to the Economy?

We recently asked SYM’s Chief Investment Officer Andy Popenfoose this question. This is a paraphrase of what he shared. Catch his exact words in the video above. The Classic Set up of Two Curves Early labor economics curriculum teaches us about two curves, the supply of labor and the

Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation

<img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" />

Why Not Eliminate Stocks and Stay Exclusively with Bonds?

Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation

<img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" />

China, Russia, and The Reserve Currency Status

Should Gold Be in My Portfolio?

A crossword puzzle made of red and white cubes features the words "CAPITAL" horizontally and "GAIN" vertically intersecting at the letter "A." Below the puzzle, the phrase "FUND DISTRIBUTIONS" is displayed in red, bold, stylized text.

<img decoding="async" width="761" height="566" src="https://www.sym.com/wp-content/uploads/2023/12/cgd.png" class="attachment-full size-full wp-image-8835" alt="A crossword puzzle made of red and white cubes features the words "CAPITAL" horizontally and "GAIN" vertically intersecting at the letter "A." Below the puzzle, the phrase "FUND DISTRIBUTIONS" is displayed in red, bold, stylized text." srcset="https://www.sym.com/wp-content/uploads/2023/12/cgd.png 761w, https://www.sym.com/wp-content/uploads/2023/12/cgd-300x223.png 300w" sizes="(max-width: 761px) 100vw, 761px" />

Capital Gains Fund Distributions Explained

As typically occurs at year-end, some of the funds in your SYM portfolio are expected to pay capital gains distributions in December. Because such distributions may impact your 2023 tax planning, we’d like to offer some thoughts about the process. Because mutual funds do not pay taxes, they must

Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation

<img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" />

What Does Increasing the Minimum Wage Do to the Economy?

We recently asked SYM’s Chief Investment Officer Andy Popenfoose this question. This is a paraphrase of what he shared. Catch his exact words in the video above. The Classic Set up of Two Curves Early labor economics curriculum teaches us about two curves, the supply of labor and the

Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation

<img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" />

Why Not Eliminate Stocks and Stay Exclusively with Bonds?

Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation

<img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" data-src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536 lazyload" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" style="--smush-placeholder-width: 515px; --smush-placeholder-aspect-ratio: 515/423;" /><noscript><img decoding="async" width="515" height="423" src="https://www.sym.com/wp-content/uploads/2024/11/Images-for-blogs-etc.-515-×-423-px-1.jpg" class="attachment-full size-full wp-image-9536" alt="Man in a word bubble with his hands together in. Captions reads "Andy's Insight" explanation" />

China, Russia, and The Reserve Currency Status

Should Gold Be in My Portfolio?

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Fort Wayne, IN

(260) 387-6822

7030 Pointe Inverness Way #100,
Fort Wayne, IN 46804

Warsaw, IN

(574) 267-2300

801 Park Avenue,
Winona Lake, IN 46590

Indianapolis, IN

(317) 848-2180

9100 Keystone Crossing #560,
Indianapolis, IN 46240

Mishawaka, IN

(574) 287-0035

4215 Edison Lakes Pkwy Suite 320
Mishawaka, IN 46545

Midland, MI

(989) 631-0244

414 Townsend St # 202,
Midland, MI 48640

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* SYM Financial Corporation ‘SYM’ is an independent investment advisor registered under the Investment Advisers Act of 1940, as amended. SYM ranked #96 in top fee-only RIA by COMPLY in 2023. This rating is not representative of a client’s experience and is not indicative of future performance. SYM did not pay COMPLY a fee for inclusion in the rankings and data is based on 2023 ADV filings.

The opinions expressed herein are those of SYM Financial Corporation (“SYM”) and are subject to change without notice. This material is not financial advice or an offer to sell any product. SYM reserves the right to modify its current investment strategies and techniques based on changing market dynamics or client needs. SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees, and objectives can be found in our ADV Part 2, which is available upon request.

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