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Russia has invaded Ukraine.
Interest-only variable annuity policies have zero commissions, no surrender charges and low annual M&E and admin fees plus various subaccounts that span traditional and alternative investment strategies.
Though there are 1 million donor-advised fund (DAF) accounts in the country, many clients are still not aware of how they can help them in their desire to support the charities and causes that are important to them.
In the immortal words of Jerry Seinfeld: “You don’t even know what a write-off is.”
This week’s news is seemingly all about Ukraine and Russia. It is a terrible situation. But as an economic matter, we still have serious economic challenges no matter how it develops.
Yale Professor Robert Shiller’s Cyclically Adjusted Price-to-Earnings ratio (CAPE) is a respectable predictor of the future real return of the stock market, but it underwhelms when used on its own to set stock exposure. We examine a better way of using CAPE, with much better results.
Market pullback or bear market? Such seems to be the question on everyone’s mind as of late, given the rough start to 2022 so far.
The Northern Trust Economics team shares its outlook for key markets in the month ahead.
What many feared may happen came true overnight with Russia invading Ukraine from all sides—Crimea, Belarus and Russia.
Preferred securities are a type of investment that generally offers higher yields than traditional fixed income securities, such as U.S. Treasury securities or investment-grade corporate bonds.
The 2022 investment year is now well underway and financial advisors and investors would be well advised to not, as the old saying goes, “fight the tape” of what is shaping up to be a difficult year for the stock market.
As we turn over the page to a new year, there are plenty of decisions that investors will need to make.
Consumer spending and borrowing have rebounded, and delinquencies have not.
Environmental, social and governance (ESG) factors are all important to the sustainability of an investment.
I propose a strategy that can produce larger price gains or losses than bonds and higher yields than traditional bond funds or ETFs. If yields decline soon, investors can expect double-digit returns in a relatively short period.
The world’s pension funds are growing as an ageing population puts more money aside to pay for retirement. The global total has doubled in the past decade to almost $57 trillion. But the biggest pool of savings risks missing out on both diversification and returns by restricting its investments to its domestic markets.
The Federal Reserve, European Central Bank and others have created so much money to go along with unprecedented support from governments to combat the Covid-19 pandemic that the world is awash in liquidity.
Chief Economist Scott Brown discusses the latest market data.
Inflation in the housing market will continue to build.
U.S. home mortgage lenders have spent much of the last two years hiring. Now they might have to spend the coming months laying workers off.
As U.S. businesses and consumers weather the highest inflation in four decades, some firms are already betting those cost increases will be around for longer than many economists are predicting.
When it comes to investment returns, most people, including those who work in financial markets, only consider nominal numbers. For example, they look at the price of the S&P 500 Index now, where it was a year ago and work out what the total return was including dividends in that period.
Jasmin and Ryan recently exchanged ideas about trading apps and new software that can help educate investors about key investment principles.
As a recovering workaholic who loves what I do, it is essential to understand what drove that condition and the costs it incurred for me and my family.
Advisors can choose from five approaches to meet their clients’ income needs in retirement, each with its own merits and drawbacks. Those strategies attempt to solve for a central goal – ensuring that clients don’t run out of money – a risk that is illustrated by my wife’s catering business.
Neglecting non-financial assets, such as Social Security and pensions, will misstate the risk in a retired (or near retired) client’s asset allocation strategy.
Advisors make seven predictably irrational mistakes when it comes to bonds, depleting their clients’ wealth and standard of living.
Since the initial publication of research documenting active share, its advocates have clung to the belief that the metric could identify funds that would outperform. But the academic evidence has all but disproven that thesis.
Unlike fiat currency, Bitcoin is decentralized and cannot be controlled by any central bank or politician, making it a powerful peer-to-peer payment network. Why else are some lawmakers and bureaucrats so eager to regulate or outright ban it?
Review the latest Weekly Headings by CIO Larry Adam.
Advisors who reject bucketing strategies because they won’t invest as many as five years of assets in low-yielding securities are exposing clients to risks that threaten their standard of living in retirement.
Economic stagnation arrives as expected as the “Sugar Rush" of liquidity continues to fade from the system.
After a third quarter where large capitalization US equities were barely up and global equities were down, both came roaring back in the fourth quarter of 2021.
Given the dominance of inflation in today's capital markets discussion, it should be no surprise to anyone watching this video that one of the most common questions I get is, “How do I inflation-protect my portfolio?” And that's what we're going to focus on today: what to think about when you're thinking about inflation protection.
Most analysts expected some action on interest rates from the U.S. Federal Reserve in 2022 — but maybe not the five rate hikes they’re now pricing in. Inflation was clearly driving upwards, but we’re seeing much higher, more consistent price increases.
Investors gauging the likely size of the Federal Reserve’s interest-rate hike in March and plans for shrinking a balance sheet now at a record $8.9 trillion will get fresh clues on Wednesday.
When the going gets tough in the U.S., the tough go shopping. The Commerce Department said Wednesday that retail sales surged 3.8% in January, the most in 10 months and well above the 2% median estimate of economists surveyed by Bloomberg.
As tensions between Russia and Ukraine mount, so too does market volatility.
With many mutual funds converting into exchange-traded funds (ETFs), the combination of ETF trading and net asset value is garnering more attention.
This is the 10th in a series of 11 videos where I will cover each of the 11 sectors looking for value.
Stephen Dover shares insights on investing in fixed income in a rising-rate environment with Walter Kilcullen, Head of US High Yield for Western Asset Management, and Reema Agarwal, Head of Floating Rate Debt for Franklin Templeton Fixed Income.
We all love alliteration (hence, Rich’s favorite term to describe the Fed is “lily-livered”) but when it comes to the “Powell Put” or the “Powell Pivot,” we think investors need to understand the facts and intentions of the Federal Reserve before accepting a saying just because it rolls smoothly off the tongue.
No, we did not run out of titles.
It has been a tumultuous start to the year for crypto markets to say the least.
A crash to Earth for growth stocks and cryptocurrencies is one thing, but a sharp decline in mainstream bond mutual funds could spell enormous trouble. Signs are emerging of the beginnings of a potential downward spiral in these funds, which could ultimately lead to redemption halts and subsequent panic by retail investors.
Governments that had propped up Covid-ravaged economies by issuing social bonds are now turning their attention to longer-term climate goals, while companies are keen for increased flexibility when spending proceeds from sales of environmental, social and governance (ESG) debt. That’s crimping the flow of social notes that typically fund specific projects such as job creation or affordable housing.
Some deficit hawks acknowledged that the U.S. was in a period of extraordinarily low interest rates. But they warned that this phenomenon could reverse itself at any time. What they misunderstood is the effect that the response to secular stagnation would have on the overall economy in the short term.
Some observers assume I tell everyone that they should go down the RIA path. That is not the case.
