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Investing in Ourselves: A Note on Human Capital

…kinds of assets: (a) financial capital (stocks, bonds, cash, etc.) and (b) human capital, which is similar to a bond that yields a stream of income over its life. In this model, an individual allocates their resources over his or her lifetime between financial capital…

Why Make Company Stock Part of Your Retirement Plan?

…participants. KSOP A KSOP is an ESOP with a 401(k) feature and provides for both employer stock contributions and employee deferrals. Employer contributions can be mad in either stock or cash. A KSOP combines two separate plans, offering simplified administration, streamlined employee communication and greater…

1st Quarter 2014 Economic & Market Review

…Markets Longer duration bonds had the most success in Q1. The Barclays Capital (“BarCap”) Long Government/Credit Index (+6.6%) outpaced both the BarCap U.S. Aggregate Bond Index (+1.8%) and the BarCap Intermediate U.S. High Yield Index (+ 2.8%). Cash continued to produce a yield near 0.0%….

1st Quarter 2015 Economic & Market Review

…Longer duration bonds had the most success in Q1as interest rates declined. The Barclays Capital (“BarCap”) Long Government/Credit Index (+3.4%) outpaced both the BarCap U.S. Aggregate Bond Index (+1.6%) and the BarCap Intermediate U.S. High Yield Index (+ 2.4%). Cash continued to produce a yield…

2nd Quarter 2015 Economic & Market Review

…Barclays Capital (“BarCap”) U.S. Aggregate Bond Index (-1.7%) faltered, but the real damage occurred at the long-end of the curve where the BarCap Long Government Index (-8.3%) and the BarCap U.S. Long Credit Index (-7.3%) fell precipitously. Cash continued to produce a yield near 0.0%….

BOLI– Why the Benefits Outweigh the Concerns

…there is a lack of loan demand. If your bank is sitting on a significant amount of cash, BOLI may be the answer to help generate tax-free income for the bank’s bottom-line. Another common concern: How can banks use BOLI to offset benefit expenses in…

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…

US Infrastructure and Beyond -What’s Being Proposed and How to Pay for It?

…equity asset class, and invest through funds which partly or fully target infrastructure. Ideally, infrastructure investments provide pension plans long term, regular cash flows to meet longer term liabilities with the possibility of inflation protection. However, there are also rightful concerns over delays and cost…