Posts Tagged ‘investments’

Retirement Readiness

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…

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Retirement Investing

Retirement planning looks much different than it did a century ago. With lifespans and retirements lasting longer, it’s not just about planning for a financial future; we must also create a post-career strategy that takes into account emotional, intellectual and quality of life challenges during later years. After all, we don’t just stop enjoying life…

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What Higher Interest Rates Could Mean for You

Unemployment is at its lowest level in years.1 Many Americans are seeing a bump in their paychecks due to the new tax law, and the stock market is remaining resilient in the bullish market. What could go wrong? Inflation, for one, which is why the Federal Reserve has been raising interest rates. As part of its…

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Economic Effects of U.S. Putting ‘America First’

At the start of this century, the internet enhanced global communication, and the world transitioned into one massive economy. But this new landscape came at a cost, and after years of hardships, including terrorist threats, domestic recession, income gaps and divisive politics, the country is now turning its focus inward on “America First” economics.1 The…

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Impact Investing

The new federal government stance toward deregulation may lead many companies to roll back operational practices, potentially resulting in higher profit margins.1 However, shareholders may have a say in this decision. As deregulation spreads throughout the nation, impact investing also is becoming a popular trend among shareholders. Many investors don’t want to simply have the opportunity…

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Strategies for Optimal Social Security Payouts

Social Security benefits are typically synonymous with retirement income. It would be inefficient to create a retirement plan without first estimating how much you will receive from the government.1 According to a 2018 report, Social Security benefits represent approximately:2 33% of elderly income 50% or more of income for about half of elderly married couples At…

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Pros and Cons: Fewer Regulations in the U.S.

One of the current administration’s persistent themes has been deregulation — cutting through the red tape in the rules of doing business. In one instance, Donald Trump was filmed standing beside mounds of paperwork to symbolize the amount of regulation the government has implemented since 1960.1 Perhaps the same can be said for the paperwork…

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Handling Market Corrections Correctly

Today’s political environment and recent volatility in the U.S. stock markets, particularly February’s correction, caused concern for some investors. If you’ve met with a financial advisor who designed a strategy to fit your individual financial goals, timeline and tolerance for risk, it’s generally recommended you stay the course.1 But that doesn’t mean to hold steady…

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The Income Gap and the Economy

The income gap between the wealthy and the poor is widening in the U.S.1 Why does that matter? Because there are studies that indicate a wide swathe of income differentiation is not good for economic growth. In the years following the Great Recession, we often heard how slowly the economy was recovering. That was true…

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Banking Trends

In its recent 2018 Banking Industry Outlook report, Deloitte identified six key themes that are driving trends for financial institutions today:1 Redefining what makes for a positive customer experience Managing a myriad of technology platforms Mitigating cyber risk Adjusting to competition from fintech (financial technology) companies Aligning business strategy with regulatory compliance Reimagining the workforce…

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