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

…Most studies have focused on an individual’s earnings as a function of their amount of education. Despite differing results, there has been general agreement that investment in human capital (primarily measured by education), can increase earnings, as well as lower crime and poverty rates. Additionally,…

Target Date Funds

…DATE FUNDS IN A RETIREMENT PLAN? Professional money managers have long recognized the importance of asset allocation. Studies have shown that investment performance is mostly determined by a portfolio’s mix of stocks, bonds, and short-term investments, not individual stock and bond selections. In many plans,…

Is there a Baby Boomer Retirement Effect on the Stock Market?

…stock market as they cash in their savings? After all, boomers (i.e. those aged 46-64) have been estimated to own nearly 50% of the U.S equity market. Recent studies by Vanguard1 and others have cast doubt on the theory that boomer retirements will depress the…

Working After Retirement: “Want To” Over “Need To”

…to remain in their careers beyond the age of 65 or are seeking new work post-retirement tend to be more highly educated, often with advanced degrees. In one of the studies highlighted in Dr. Sass’ brief, researchers explored the importance of non-financial rewards in influencing…

When Black Swans Appear in Financial Markets

…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, analytics and product strategy for Pentegra’s Defined Benefit and Defined Contribution Plans….

Wage Growth in the United States-Pre and Post Pandemic

…factors explaining trends in wage growth, particularly in the pandemic environment, people re-entering and remaining the workforce is of primary importance. As Federal Reserve Chair Jerome Powell stated in July 2021, “We lag all of our peers in labor force participation now, which is not…

Pensionizing Your Retirement Savings

…the trends to watch in our industry this year. The IRIC’s overall conclusion, as stated by a Yahoo Finance article, is that “there is a growing need for retirement plan sponsors to help participants with retirement readiness and securing their financial future. This will drive…

Don’t Get Spooked: Overcoming Investing Bogeymen

…a focused approach to your investment strategy is critical. Simply chasing trends can be as futile as poor Dr. Loomis trying to track down Michael Myers in the Halloween flicks. Staying focused on what you are investing for can keep you on track even when…

The Case for BOLI

A blog by Fabrizio D’Uva, Regional Director, BOLI & Non-Qualified Benefit Plans – February 3, 2015 With the new year upon us, it may be time for banks to reconsider BOLI, given the most recent positive trends regarding how it’s growing so impressively. BOLI (Bank-Owned…

Building A Better 401(K) – Part One

…model portfolios are all fine examples of a workable, easy to understand QDIA solution. As for the trends in automation: Over 50 percent of large companies offer auto-escalation, while smaller companies are in the 10-12 percent range. Why the gap? Typically management at smaller companies…