Emerging Trends

  • How Are Investors Reacting To Today’s Market Conditions?
    How Are Investors Reacting To Today’s Market Conditions?

    Investors are putting less in the stock market to pay for everyday essentials

    Despite wanting to invest, today’s market conditions have more than three-quarters (77%) of investors concerned about fluctuations in the market and two-thirds (66%) say they are nervous about their money, according to a new study by Wells Fargo & Company.
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  • Economy Still Expected To Enter (and Exit) Modest Recession In 2023
    Economy Still Expected To Enter (and Exit) Modest Recession In 2023

    Housing sales forecasted to hit trough in Q2 2023 before beginning to rebound

    After rebounding at a 2.6 percent annualized rate in Q3 2022 on the strength of net exports, real gross domestic product (GDP) is projected to turn negative again in the fourth quarter as the temporary boost from international trade moderates, according to the November 2022 commentary from the Fannie Mae Economic and Strategic Research (ESR)…
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  • US Mortgage Delinquencies Remain Near Historic Low In September
    US Mortgage Delinquencies Remain Near Historic Low In September

    The overall delinquency rate dropped for the 18th straight month on an annual basis

    CoreLogic, a leading global property information, analytics and data-enabled solutions provider, today released its monthly Loan Performance Insights Report for September 2022.
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  • Despite Continued Volatility, Retirement Fundamentals Remain Sound
    Despite Continued Volatility, Retirement Fundamentals Remain Sound

    401(k) savings rates stay strong despite growing financial concerns by participants

    Not surprisingly, ongoing market swings and concerns about inflation continue to cause financial stress among retirement savers. In fact, according to recent Fidelity Investments® research[1], the percentage of individuals with negative feelings about their finances (32%) is now greater than those who have positive feelings (30%), which is a stark contrast to just a year…
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  • How To Feel Grateful When You Just…Don’t (A Thanksgiving Message For Tough Times)
    How To Feel Grateful When You Just…Don’t (A Thanksgiving Message For Tough Times)

    While Thanksgiving is fast approaching, you may be feeling anything but grateful

    Thanksgiving is coming up. But after the past year (or two, or three), it may be hard to muster up any gratitude. Between the ravages of COVID-19, fears of economic recession, and various types of strife, unrest, and discord, life can feel more like a trial than a gift.
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  • Is College Worth The Cost? Less Than Half Of Students Think So
    Is College Worth The Cost? Less Than Half Of Students Think So

    56% of students say college is a financial burden on them or their family

    The average cost of college tuition has tripled over the past 50 years, growing 20% in the past decade alone. Today's college students are questioning if the benefits of going to college are worth the price tag.
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  • Economic Stress Reprices Risk
    Economic Stress Reprices Risk

    Market hardening and higher interest rates are the silver lining for insurers as the global economy slows

    Inflation continues to be the key concern for insurers according to Swiss Re Institute's latest sigma. The effect of inflation on the global economy has led to total global insurance premium falling slightly by an estimated 0.2% in real terms in 2022.
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  • Welcome News For The Housing Market
    Welcome News For The Housing Market

    Mortgage rates tumble as data suggest inflation may have reached its peak

    Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixed-rate mortgage (FRM) averaged 6.61 percent.
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  • The Human Side Of Benefits
    The Human Side Of Benefits

    Employee burnout is on par with levels at the height of the COVID-19 pandemic; job performance impacted

    Due to continued COVID-19 concerns, a sluggish economy and the fear of a potential recession, there is a critical need for mental health care and resources to support employees, according to the nationally representative 12th annual Aflac WorkForces Report.
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  • The Path To Homeownership
    The Path To Homeownership

    Gen Z adults are largely positive with the idea of homeownership, but remain apprehensive of the obstacles they may face

    Homeownership continues to be something to strive for among “Generation Z,” the demographic cohort following Millennials, according to a new survey from Freddie Mac.
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  • A Recession May Already Be Here, But Traders Say It Will Be Short Lived
    A Recession May Already Be Here, But Traders Say It Will Be Short Lived

    Despite bearish outlook, 55% say a “January Effect” is likely to drive markets higher at the start of 2023

    The latest Charles Schwab Trader Sentiment Survey reveals that nearly 60% of traders say it feels like the U.S. is in an economic recession or will be by the end of 2022. Most (55%) say it will last less than one year, but 45% say it will last longer than that.
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  • College Students Experiencing More Financial Stress Than Last Year
    College Students Experiencing More Financial Stress Than Last Year

    Uncertainty over what 2023 will hold for borrowers has college students feeling increasingly overwhelmed and financially anxious

    Corebridge Financial and EVERFI today announced findings from a newly released survey of more than 16,000 college students nationwide.
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  • Life Insurance Purchased On Perceived Value, Not Cost
    Life Insurance Purchased On Perceived Value, Not Cost

    Unique brand position, complete understanding of policy become key drivers of customer satisfaction

    That adage about a life insurance policy being sold and not bought needs to be updated for the post-pandemic era. In fact, customers are initiating the purchase of life insurance, but the key criteria for choosing which one to buy often involves much more than cost.
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