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Investing with “Style”: Growth and Value Stocks

It is commonly stated that investing and asset allocation involve the choice between 3 asset classes: stocks, bonds and cash. However, it has long been believed that certain types of stocks behave differently from other types of stocks. This concept was first developed by Graham…

Wellness and Investing in Ourselves: How They Impact Our Human Capital

…human capital can also impact the length and quality of a person’s retirement years. Morningstar, a well-known investment research firm, has factored human capital into its investor lifetime asset allocation model.1 According to Morningstar, a person owns two kinds of assets: (a) financial capital (stocks,…

Depositing Plan Contributions Timely

…plan’s trust account. General rule. Federal pension regulations basically provide that employee contributions become plan assets as of the earliest date on which the contributions can reasonably be segregated from the employer’s general assets. Since this earliest date standard does not set a clear-cut deadline,…

Investing in Ourselves: A Note on Human Capital

…in improving the quality of education. Human capital can also impact the length and quality of a person’s retirement years. Morningstar, a well-known investment research firm, has recently factored human capital into its investor lifetime asset allocation model.1 According to Morningstar, a person holds two…

Time to Get Serious About Your Retirement

…extra percentage point or two can really help boost your account’s balance years from now, when it really count. Rebalance your 401(k) plan investments. Resetting your asset allocation will bring your portfolio’s weightings back into balance. Remember: Simply splitting your portfolio evenly between various markets…

The BOLI Boom: Is Your Bank a Part of It?

A blog by Andrew Strock, Regional Director, BOLI & Non-Qualified Benefits Plans, Pentegra Retirement Services – September 13,2016 Bank Owned Life Insurance (BOLI) is still on the rise. According to a recent report released first quarter 2016, BOLI assets reached $157.6 billion as of March…

Pros and Cons of Closed-End Funds

…CEFs were offered in 1893. According to the Investment Company Institute, there were 558 CEFs at the end of 2015, holding $261 billion in assets. Over 60% of CEF assets were in bond funds. CEFs are more similar to ETFs than to mutual funds. Both…

Pensions, Retirement & Markets: 5 Questions for 2019

…has benefited a majority of retirement-age savers. According to bankrates.com, average 1-year CD rates increased from 0.66% in January 2018 to 1.16% in November 2018. Higher rates have also helped increase pension funded ratios and offset volatility in asset returns. As with any future event,…

Has A Fed-Induced Rise In US Interest Rates Created Turmoil Overseas?

Is the potential ending of the Federal Reserve’s Quantitative Easing (QE) program creating turmoil overseas as well? Monetary policy in the US doesn’t stop at the border – US interest rates matter elsewhere in the world, too. US Government bond yields hit their 2013 lows…

Fed Patience and Other Curiosities

After 3 Years, The Federal Reserve Signals It May Stop Raising Rates. Why Now? The Federal Reserve’s (Fed) key interest-setting group, the Federal Open Market Committee (FOMC), met this week and a remarkable thing happened – nothing. Of course, that’s not to say nothing happened…

The End is Near!..or is it?- Part One

A blog by Scott Stone, CIO, Senior Vice President – October 21, 2014 For much of 2014, several leading market pundits and even professional portfolio managers have been warning that the US equity market was headed for a major catastrophe. Ebola virus, Russian aggression in…

The End is Near!..or is it? -Part Two

A blog by Scott Stone, CIO, Senior Vice President – November 18, 2014 The recent plunge in the Dow Jones Industrial Average and the S&P 500 provided an ‘I-Told-You-So’ moment to many market pundits who have long predicted a market correction. Based on certain fundamental…