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DOL: Tread Carefully When It Comes to ESG Investing

…private-sector retirement and other employee benefit plans in light of recent trends involving ESG investing – which, as the name indicates, revolves around measuring the sustainability and societal impact of an investment, in order to determine the future financial performance of that investment. Falling under…

Pentegra at 75: Still Going Strong

…industry. Unfortunately, something else that has not changed is most Americans’ attitudes towards saving for their golden years. “Save early and often” is one of our mantras, but time and again we see reports saying that for many people – especially those in the millennial

How Does the Housing Market Affect the United States Economy?

…smaller correlation. What might explain the weaker relationship after 2009? Although homebuilding supply recovered after the 2008-09 slump, there was also continued weak demand due to factors such as millennials staying at home longer, fragile consumer confidence and slow wage growth. In summary, housing activity…

What is Bitcoin?

…to become a part of the global financial landscape, and could increase in popularity as an alternative payment medium for millennials and as an investment for speculative investors. NOTE: Information presented herein is for discussion and illustrative purposes only and is not a recommendation or…

A Few Notes on Labor Productivity

…US productivity and inflation. Here, it is more difficult to pinpoint whether lower productivity is associated with higher inflation, or vice versa. Part of a lack of correlation can be attributed to continued low rates of inflation in recent years. Let’s look at earlier studies,…

Some Thoughts on 401(k) Day

…remember that it is never too late. If possible, increase your 401(k) savings rate every time you get a pay raise, no matter what. Review your portfolio regularly. Asset allocation decisions are among the most important that you can make. Studies have shown that asset…

Portfolio Rebalancing in the Recent Market Environment

…President and Senior Director, Investments at Pentegra Retirement Services. He joined Pentegra in May 2007 as a Senior Analyst in the Investment Department and became Director-Investments in January 2013. He is responsible for managing over $1 billion in internal bond portfolios and providing asset/liability studies,…

Pentegra’s Harris Poll: Social Security: Still Reliable?

…through 2088. Studies published in May by Harvard and Dartmouth, meanwhile, maintain that the Social Security Administration has been overstating the financial health of its trust funds since 2000, indicating that the shortfall could arrive much sooner than noted above. Either way, there is clearly…

Why is Tax Reform So Difficult?

…over $1 billion in internal bond portfolios and providing asset/liability studies, analytics and product strategy for Pentegra’s Defined Benefit and Defined Contribution Plans. Mr. Slade is also a frequent contributor of economic and financial market blogs to Pentegra’s Talk to a Specialist website and the…

Pension Plans as Shareholders

…Introduction to Proxy Voting”, Website, 2017. Joshua Gotbaum, “Moving DoL’s fiduciary standards into the 21st Century: The case of ERISA investing”, Brookings Economics Studies, 2016. NOTE: Information presented herein is for discussion and illustrative purposes only and is not a recommendation or an offer or…

Medicare For All: The Discussion Heats Up

…such as health care), one should be careful not to “cherry pick” data points either supporting and opposing M4A. Further studies and discussion will be necessary, as well as navigating politics and the clout of industry groups such as insurance companies and hospitals. However, it…

The Growing Use of Collective Investment Trusts in Retirement Plans

…in 2011. What are some potential advantages of CITs versus mutual funds? They include: lower administrative costs and regulatory costs; exemption from certain types of reporting such as prospectuses; and customized pricing flexibility depending upon plan size. Studies have estimated that CIT costs can be…