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Investing in Ourselves: A Note on Human Capital

…by a person or in a person, will have value over one’s lifetime to employers and to society as a whole. The amount of this value is known as the return on human capital. How is this return measured? Most studies focus on direct metrics…

The Falling Price of Energy-Looking Through a Micro Lens

…(less than 1), consumers are relatively insensitive to the decline in energy prices, meaning they don’t change their usage very much. This will result in lower revenue for producers. Many studies have found that in the short run, the elasticity of demand for energy ranges…

Is the Dow Jones hitting 20,000 meaningful?

…we should ignore the psychology behind it. On the contrary, numerous psychological studies over the years have identified a human preference for round numbers, a preference which can lead to some seemingly odd behaviors. For instance, there is a widespread preference among US retailers to…

The Top Five Questions to Ask at Your First Job Interview

As illustrated in Pentegra’s recently published 2018 Millennial Benefit Trends Report, those new to the job market sometimes seem at a loss during the interview process. When it comes to the interview process, it is of course the interviewer who asks most of the questions….

Pensions, Retirement and Markets: 5 Questions for 2018

…plans and annuitization of benefits through third parties. We expect these trends to continue in 2018. Will the Department of Labor (DOL) Fiduciary Rule Continue as a Significant Force? The DOL Fiduciary Rule went partially into effect in June 2017 while fully required implementation has…

Investing with “Style”: Growth and Value Stocks

and size. These and other studies have helped launch a cottage industry of market indexes and funds focused on value and growth stocks.1 Value stocks can be viewed as those of companies with low price-to-earnings ratios, that is, “cheap” stocks. Growth stocks are characterized by…

Pensions, Retirement and Markets: Five Questions for 2020

As we head into 2020, below are five questions relating to current trends and topics which are expected to impact retirement plans, financial markets and savings next year: Will the 2019 U.S. equity rally continue into 2020 or will “fundamentals” take hold? After declining by…

Health Care Inflation-What May Be Behind the Numbers?

…Value in Health Care shed some light on recent utilization and price trends in health care spending. Chart 1 indicates that over the 1990-2018 period, growth in utilization of most categories of health care services has declined from its early-1990s peaks, although utilization has peaked…

Pensions, Retirement & Markets: 5 Questions for 2019

As we head into 2019, below are five questions relating to current trends and topics which are expected to impact retirement and savings next year: How will tax reform continue to impact savings and retirement? Overall, the reduction in U.S. corporate tax rates contributed significantly…

The “Total Rewards” Approach to Attracting and Retaining Talent

…a healthy, productive employee and losing him or her to a competitor – or to something worse. On the intangible benefits side, there are initiatives a company can establish to help employees achieve a “work/life balance” – something that our recent survey of Millennials indicated…