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  • Inflation: Hard Choices For Consumers
    Inflation: Hard Choices For Consumers

    Despite a flat growth in July, Americans are still navigating an expensive economy

    Inflation stayed flat in July after rising 1.3% in June, according to a report from the Labor Department on Wednesday 10 August. Despite this, research from Forbes Advisor confirms that Americans are being forced to make hard choices as they navigate an increasingly expensive economy, with prices remaining much higher than they have done in…
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  • The Inflation Reduction Act’s Health Care Provisions
    The Inflation Reduction Act’s Health Care Provisions

    Significant changes to the U.S. health care system will have impact for years to come

    On Saturday, the Senate passed the Inflation Reduction Act (IRA), the latest take on Democrats’ previous spending package known as Build Back Better, via reconciliation by a vote of 51-50.
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  • US Annuity Market Report 2022
    US Annuity Market Report 2022

    Growing demand for registered indexed linked annuities presents opportunities

    The US annuity market in 2021 was valued at US$231.63 billion. The market is expected to reach US$298.70 billion by 2026. The term annuity refers to an insurance contract issued and distributed by financial institutions with the intention of paying out invested funds in a fixed income stream in the future. Investors invest in or…
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  • The State Of Our Money
    The State Of Our Money

    How Americans understand and approach their wealth

    Stash, the investing and banking app with more than 2M customers and nearly $3B in assets under management, found that 90% of Americans want to invest, and 54% learn about personal finance from personal experience, but almost half (45%) don't know where to start.
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  • How Money Matters To Today’s Workforce
    How Money Matters To Today’s Workforce

    Money matters more than time to working adults

    CareerBuilder, a global talent acquisition leader and job marketplace, shared findings from their latest survey revealing thoughts on the reality of money in today's workforce including how money matters more than time as the priority for most working adults with 66% preferring a 10% pay increase over an additional week of paid time off. Of…
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  • From A Market Risk Vantage Point, All Securities Are Created Equal
    From A Market Risk Vantage Point, All Securities Are Created Equal

    From a financial risk point of view... not so much

    by Steve Selengut

    All investing involves risk. All marketable/tradable securities are subject to both "Market Risk" and "Financial Risk, among several others. Market Risk is actually the very nature of all securities, as all are constantly changing in market value for a myriad of reasons. But changing market values do nothing to alter the intrinsic nature of a…
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  • Synchronizing Products And Placement
    Synchronizing Products And Placement

    In a shifting, digital world, making the sale may be a ’now or never’ equation

    by Denise Garth

    “Would you like fries with that?” was never meant to be a polite question to make sure that we were satisfied. It was meant as an upsell. It is a perfectly-timed, pressure-driven question that often gets a positive response. It was marketing in the moment. In today’s terminology, we might call it “soft-embedded,” opt-in marketing.
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  • Tracking The U.S. Economy
    Tracking The U.S. Economy

    Consumer confidence in federal policies drives down economic optimism overall

    The IBD/TIPP Economic Optimism Index, a leading national poll on consumer confidence, declined by 1.0% overall in August to return to a reading of 38.1 due to a significant drop on the Federal Policies component. The index now has been in negative territory for the last 12 months. A reading above 50.0 signals optimism and…
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  • Sales Of Life Combination Products Rebound In 2021
    Sales Of Life Combination Products Rebound In 2021

    Sharp increase driven by current and proposed legislation

    Total new premium for individual life combination products increased 22% to $4.3 billion, compared with prior year results, and down slightly from the $4.8 billion in premium generated in 2019, according to LIMRA’s 2021 U.S. Individual Life Combination Products Annual Review. Combination products represented 20% of total life insurance premium in 2021.
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  • Has Inflation Peaked Yet?
    Has Inflation Peaked Yet?

    Inflation is causing stress and anxiety and many investors believe it has not peaked

    State Street Global Advisors, the asset management business of State Street Corporation (NYSE: STT), today announced the findings of its Inflation Impact Survey, which reveals how inflation is influencing Americans’ spending, saving, and investing behavior.
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  • The Gender Confidence Gap
    The Gender Confidence Gap

    The state of women’s financial and emotional confidence

    Guardian’s Study of Financial and Emotional ConfidenceTM explores how financial behaviors and habits affect one’s overall life satisfaction and well-being. Among other results, Guardian learned that income is not the sole driver of financial confidence and success.
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  • Small Businesses Report Hiring Growth In July
    Small Businesses Report Hiring Growth In July

    July saw a marginal hiring uptick with industry trends underscoring consumer sentiment and ongoing shifts in economic trends

    The CBIZ Small Business Employment Index (“SBEI”) (NYSE: CBZ) reported a seasonally-adjusted increase of 0.80% in July, continuing the upward trend from June.
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  • Investor Movement Index Lower Amid July Volatility
    Investor Movement Index Lower Amid July Volatility

    Many looked to reduce exposure, finding opportunities in communications services, energy

    The Investor Movement Index® (IMXSM) decreased to 4.68 in July, down from 5.10 in June. The IMX is TD Ameritrade’s proprietary, behavior-based index, aggregating Main Street investor positions and activity to measure what investors actually were doing and how they were positioned in the markets.
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