The Insurance & Annuities Channel

Obesity and Its Role in Retirement Planning

Here is the number one lie that advisors tell themselves and the rest of the world about retirement: Nowadays people are living until they’re 90!

How to Protect Workers Without Trade Tariffs

Donald Trump’s trade war is an international tragedy. But it could have a happy ending if it eventually reminds us of the risks that free trade imposes on people, and if we improve our insurance mechanisms to help them.

Agriculture Around the World

The Northern Trust economics team explores agriculture markets globally and in the United States.

Disrupted Retirement: Is the US Facing a Crisis?

On our latest “Talking Markets” podcast, we listen in on a panel of experts discussing the potential US retirement crisis and the fear factors surrounding retirement disruption.

Munis and the Markets, June 2018

A brief monthly update on what's happening in the municipal bond market.

Eurozone Outlook: When Secular Turns Cyclical

Over the next few years, financial markets could be set for a series of “Rude Awakenings,” as we forecasted in our latest Secular Outlook. The global economy is transitioning out of a post-crisis period characterized by remarkable stability, and the changes ahead could be jarring for investors.

Preliminary Thoughts on the Midterm Elections

The different and constantly changing polls make it difficult at this point to reach a definitive conclusion regarding the midterm election results. Moreover, future events – particularly those occurring in late October and November – almost certainly will have an outsized influence on the outcome.

Consumer Price Index: June Headline at 2.87%

The Bureau of Labor Statistics released the June Consumer Price Index data this morning. The year-over-year non-seasonally adjusted Headline CPI came in at 2.87%, up from 2.80% the previous month. Year-over-year Core CPI (ex Food and Energy) came in at 2.26%, up from the previous month's 2.24% and above the Fed's 2% PCE target.

Weekly Unemployment Claims: Down 18K from Last Week

This morning's seasonally adjusted 214K new claims, up 18K from the previous week's revised figure, was below the forecast of 226K

U.S. Trade Tariffs: Impact on Asian Technology and Consumer Credit

U.S. tariffs and trade tensions have dominated headlines over the past few months. With certain tariffs aimed squarely at China, Beijing quickly responded with tariffs of its own on U.S. goods in early July. What do the tariffs mean for investors in Chinese and other Asian technology and consumer credits?

Robo-Advisors are not Robo-Planners. Yet.

There are large swaths of the financial planning landscape that can – and should – be both automated and integrated in such a way to which robo advisors aspire, but do not yet currently deliver.

How to Start Your Own Study Group

When advisors learn that I facilitate high-performance team meetings, sometimes called study groups, they want to know how to set one up where they live. Here’s my advice.

NFIB Small Business Survey: "Small Business Optimism Remains Historically High..."

The latest issue of the NFIB Small Business Economic Trends came out this morning. The headline number for June came in at 107.2, down 0.6 from the previous month. The index is at the 99th percentile in this series. Today's number came in above the forecast of 105.6.

Byron Wien on Trump, Trade, Deficits and Thucydides

Byron Wien discusses what people don’t recognize about Donald Trump, the future of Italy and the E.U. and whether federal deficits will be inflationary.

The Civilian Labor Force, Unemployment Claims and the Business Cycle

What does the ratio of unemployment claims tell us about where we are in the business cycle and our current recession risk? At present, the ratio for Continued Claims has been trending down. Excluding the 1981 recession, the Initial Claims trough lead time for a recession has ranged from 7 to 22 months with an average of 12 months if we include the 1981 recession and 14 months if we exclude it. Admittedly, the last recession is an extreme example, but the Initial Claims trough preceded its December 2007 onset by a whopping 22 months.