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Pension vs. 401(k)

November 13, 2018

Given a choice, which would you choose: a guaranteed fixed income for the rest of your life, or a lump sum that you could invest? As it turns out, lots of people prefer a sure thing. This is what a recent survey showed about public sector employees posed with the option to select a defined…

Are We in a Corporate Debt Bubble?

November 6, 2018

2018 marks the 10th anniversary of the Great Recession of 2008. Despite a painfully slow recovery, U.S. economic growth has been sustainable. The stock and bond markets continue to perform well, unemployment is low and the economy is generally considered healthy and booming. And yet, whenever things are going well, it’s only human nature to…

Real Estate Update

October 30, 2018

What a difference a decade makes. After the real estate debacle of the Great Recession, home prices are now near record highs in many markets with mortgage default and foreclosure rates at near record lows, according to the National Association of Realtors, or NAR.1 However, Lawrence Yun, NAR’s chief economist, says some of America’s most…

Trade Wars: More Context

October 23, 2018

In particular, automobiles seem to be in the crosshairs of President Trump’s hard line on trade with the rest of the world. Here are a few reasons why:1 S. auto production represents about 2.7 percent of GDP. There are more jobs in motor-vehicle assembly than in computers and electronics, chemicals, motor vehicle parts, plastics and…

Annuity Strategies

October 16, 2018

In a 2017 Nationwide Retirement Institute survey, financial advisors revealed some of the primary concerns of today’s pre-retirees, including maintaining their current lifestyle during retirement. These people also are less concerned with growing their assets; instead, they are focusing on drawing them down in a disciplined strategy without taking out too much too early —…

How Market Moves Affect Investor Decisions

October 9, 2018

The National Bureau of Economic Research recently explored how continued low returns can influence saving, investing and retirement behaviors. According to the report, diminished returns tend to motivate people to save more in non-retirement accounts and less in their 401(k)s, alter their investment allocations, and even delay retirement and claiming Social Security benefits.1 While recent…

Sustainable Investing Goes Mainstream

October 2, 2018

Invest in what you know is a common piece of investment wisdom. In the past, that advice has most likely referenced your favorite soda or retail store. Today, however, more people are investing in actions and causes they champion, and this is true of companies, as well. For example, while the current U.S. administration is…

Retirement Readiness

September 25, 2018

The Indexed Annuity Leadership Council recently published a report that included a scoring mechanism for how “retirement ready” Americans are based on job status. “White-collar workers” rated just below 50 percent in terms of retirement readiness, while “blue- and gray-collar workers” were somewhat lower, at 44.7 percent.1 Another recent report on retirement readiness was published…

When to Pivot?

September 18, 2018

The first half of 2018 went well in terms of market performance and economic growth. In fact, the second longest-running bull market in U.S. stock market history managed to weather a few bumps and bruises to climb even higher. That’s the good news. 1 The bad news are the expected near-term headwinds that could change the…

Legacy Issues

September 11, 2018

Sixty-three percent of surveyed affluent adult children between the ages of 18 and 22 say they’ll need to rely on their inheritance for financial security during retirement. Before the inevitable groan about the entitlement of youth, bear in mind that today’s young adults do have different financial challenges than in past generations. 1 It used to…

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