Gender and Investing:
|
|
- Oswald Todd
- 6 years ago
- Views:
Transcription
1 Gender and Investing: Let s Set the Record Straight Do male or female investors earn higher returns? Are men or women more optimistic about 2015? Which stocks and brokerages do they prefer? Where are women millionaires most likely to live? All data in this report is aggregated and anonymized from investors who sync and track their portfolios with SigFig. Learn more at or insights@sigfig.com. 1
2 investors beat men by 12%. 4.7% 2014 Median Net Returns 4.7% 4.1% +12% 0.0% 5.7% With $100,000 to invest 5.1% and assuming this performance trend continued for 30 years, a woman would earn $58,000 more than a man. also beat men on a risk-adjusted basis as the median female portfolio has 74% in equities vs 75% for men. Anonymized data from investors who track their portfolios with SigFig. Returns are net of fees and include dividends. Time period of analysis is 12 months ending 1/2/
3 were also 25% more likely than women to lose money in the market Net Returns 20.4% 64.6% 14.9% 25.8% 58.5% 15.7% 0% 100% Lost Money Below S&P500, but didn t lose money Beat S&P500 Anonymized data from investors who track their portfolios with SigFig. Returns are net of fees and include dividends. Time period of analysis is 12 months ending 1/2/
4 How? One possible cause is higher portfolio turnover. churn their portfolios 50% more than women. 14.0% 2014 Median Portfolio Turnover 14% 9% In 2014, frequent traders investors who have annual portfolio turnover of 100% or more had median net returns of just 0.1%, compared with 4.7% for everyone else. 0.0% Anonymized data from investors who track their portfolios with SigFig. Returns are net of fees and include dividends. Time period of analysis is 12 months ending 1/2/
5 In fact, men are more likely than women to have brokerages that end with trade. 1.2x 1.1x 1x More Likely 1.1x 1.2x More Likely Etrade Ameritrade Fidelity Anonymized data from investors who track their portfolios with SigFig. Selected institutions only. More data available upon request. 5
6 Despite this, men are 1.5X more confident that they will beat the market in % Expect to do better than the market 15% of women actually outperformed the S&P 500 in % Expect to do better than the market 16% of men actually outperformed the S&P 500 in % 83% Expect to do worse or as well as the market Expect to do worse or as well as the market 2015 Sentiment Survey data conducted with 800 randomly sampled investors nationwide. 6
7 and men tend to gravitate towards certain stocks but not always in ways we expect. 1.4x 1.3x 1.2x 1.1x 1x More Likely 1.1x 1.2x 1.3x 1.4x More Likely Tesla Amazon Anonymized data from investors who track their portfolios with SigFig. Each stock has at least 500 investors represented. Selected tickers only. More data available upon request. 7
8 millionaires are 70% more likely to live in New York vs California. In California, women are 1/3 less likely to be millionaires than men. 47% 31% In New York, women are 1/3 more likely to be millionaires than men. CA NY % Female investors who are millionaires 10% 17% % Male investors who are millionaires 15% 13% Anonymized data from investors who track their portfolios with SigFig. Sample size is 4,000 investors from CA and NY who use the SigFig portfolio tracker. Selected states shown. More data available upon request. 8
9 For both women and men, fund expense ratios were negatively correlated with returns in % 2014 Median Returns vs Expenses Median Annual Returns 0% 0.5% 1.0% 1.5% 2.0% Fund Expense Ratio Bucket Anonymized data from investors who track their portfolios with SigFig. Fund expense ratios are for ETFs and Mutual Funds in
10 tend to own more expensive funds than men. Older investors pay much more in fund expenses than younger investors. Median Fund Expense Ratio 0.8% 0.6% 0.4% 0.2% Median Fund Expense Ratio by Age Group Retirees pay more than 2X in fund expenses compared to Millennials. If they paid at the same rate, the median retiree would save $900 a year. 0% Investor Age Anonymized data from investors who track their portfolios with SigFig. Fund expense ratios are for ETFs and Mutual Funds in $900 comes from paying 0.28% instead of 0.59% on $300,000 in fund holdings, which is the median for investors in the over-55 age bracket. 10
11 tend to invest more aggressively than women but not late in life. 90% Median % Portfolio in Equities by Age Group % of Portfolio in Equities 60% Investor Age The average 25-year old woman invests like a 35-year old man. The average 55-year old man invests like a 65-year old woman. Anonymized data from investors who track their portfolios with SigFig. Equities include US, Developed, and Emerging Countries stocks. 11
12 About SigFig SigFig is the largest portfolio optimization platform in the world helping everyday investors track over $350B in assets. Through partnerships with Fidelity, Schwab, and Ameritrade, we analyze, monitor and improve your portfolio, or help build a new one. Using advanced algorithmic strategies, SigFig automatically balances and diversifies your investments, while reducing risk and minimizing fees. About this Report The analysis in this report is based on data aggregated and anonymized from investors who have synced their investment accounts on SigFig. Technical details are available upon request. Contact Information For more information, insights@sigfig.com or call (415) Disclaimers Past returns reflect performance of assets over the course of one calendar year from 1/3/2014 to 1/2/2015 unless otherwise noted. Data is based on aggregated anonymized data representing SigFig users unless otherwise noted. Results are net of all management fees and expenses unless otherwise noted. Performance data includes reinvestment of dividends and interest unless otherwise noted. 12
SigFig Data Highlights: 2015 Year in Review
SigFig Data Highlights: 2015 Year in Review Performance and Investor Behavior In 2015, most investors lost money and underperformed the markets 72% of investors had negative or zero 12-month return. In
More informationAmericans & Taxes: An Individual Investor Survey
Americans & Taxes: An Individual Investor Survey Investors weigh in on the new Tax Cuts & Jobs Act March 1, 2018 TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade
More informationFINANCIAL WELLNESS: A PRIORITY FOR FINANCIAL SERVICES. January 18, 2018
FINANCIAL WELLNESS: A PRIORITY FOR FINANCIAL SERVICES January 18, 2018 Boston Research Technologies conducted an online survey with a national sample of 1,242 employees who responded between September
More informationCreating Retirement Income to Last In this brochure, you ll find:
Creating Retirement Income to Last In this brochure, you ll find: An overview of the five key risks How to maximize income sources Your action plan Fidelity contact information Creating Retirement Income
More informationUBS Investor Watch. Analyzing investor sentiment and behavior / 2Q Couples and money. Who decides? a b
UBS Investor Watch Analyzing investor sentiment and behavior / 2Q 2014 Couples and money Who decides? a b Do couples really share financial decisions? Shared decisions More financial confidence Conservative
More information2017 Workplace Benefits Report
WORKPLACE INSIGHTS 2017 Workplace Benefits Report Insights for employers as we help employees live their best financial lives Go Paperless! Please do not print this document. Receiving this document electronically
More informationScottrade Financial Behavior Study. Scottrade Financial Behavior Study 1
2016 Scottrade Financial Behavior Study Scottrade Financial Behavior Study 1 Scottrade Financial Behavior Study Scottrade, Inc. commissioned a survey of investors to explore their attitudes and behaviors
More information2015 Life + Money Survey: Americans Biggest Financial Fears
Brought to you by 2015 Life + Money Survey: Americans Biggest Financial Fears v What Are Americans Biggest Financial Fears? GOBankingRates surveyed 5,001 U.S. adults, asking, What is your biggest financial
More informationThe Schwab Self-Directed Brokerage Account Indicators TM
The Schwab Self-Directed Brokerage Account Indicators TM An industry-leading benchmark on retirement plan participant investment activity within self-directed brokerage accounts. All Participants Quarter
More informationBank of the West 2018 Millennial Study Results
Bank of the West 2018 Millennial Study Results July 2018 Table of Contents Executive Summary 3 Key Findings 5 The Millennial Mindset The American Dream 6 Homeownership 9 Relationship with Debt 17 Investing
More informationSocial Security 4 th Annual Consumer Survey
NATIONWIDE RETIREMENT INSTITUTE Social Security 4 th Annual Consumer Survey September 2017 There s a need for greater Social Security understanding and education 91% 91% don t know what factors determine
More informationSEC FORM ADV PART 2A: FIRM BROCHURE
SEC FORM ADV PART 2A: FIRM BROCHURE March 27, 2017 SigFig Wealth Management, LLC 225 Valencia Street San Francisco, CA 94103 Tel: 415-558-9611 www.sigfig.com This brochure ( Brochure ) provides information
More informationFinancial Guidebook for Women
EMPOWER, ELEVATE, ACHIEVE: Financial Guidebook for Women Not FDIC insured May lose value No bank guarantee Agenda 1 2 3 4 Women and wealth Challenges and opportunities Financial life stages Action plans
More informationWOMEN AND INVESTING. 09/01/2018 A Financial Guidebook for Women
WOMEN AND INVESTING 09/01/2018 A Financial Guidebook for Women Women investors face many challenges to building wealth and securing their financial futures. We developed this resource as a guidebook for
More informationClient Experience With Investment Call Centers 2011 Investment Call Center Satisfaction Survey
Client Experience With Investment Call Centers 2011 Investment Call Center Satisfaction Survey Jim S Miller President, Prime Performance www.primeperformance.net *FREE VERSION* Table of Contents Page 2
More informationWells Fargo/Gallup Survey: If Tax-Deferred Saving in a 401(k) Is Eliminated, Nearly Half of U.S. Investors Would Save Less or Stop Saving
Media Amy Hyland Jones (704) 374-2553 Amy.HylandJones@wellsfargo.com Wells Fargo/Gallup Survey: If Tax-Deferred Saving in a 401(k) Is Eliminated, Nearly Half of U.S. Investors Would Save Less or Stop Saving
More informationTOP FINDINGS FROM THE
TOP FINDINGS FROM THE 2018 Fidelity Investments New Year Financial Resolutions Study A FEW WORDS ABOUT THE STUDY The Fidelity Investments New Year Financial Resolutions Study was designed to explore attitudes
More informationSavings Needed for Health Expenses for People Eligible for Medicare: Some Rare Good News, p. 2 IRA Asset Allocation, 2010, p. 8
October 2012 Vol. 33, No. 10 Savings Needed for Health Expenses for People Eligible for Medicare: Some Rare Good News, p. 2 IRA Asset Allocation, 2010, p. 8 A T A G L A N C E Savings Needed for Health
More informationRetirement Annuity and Employment-Based Pension Income, Among Individuals Aged 50 and Over: 2006
Retirement Annuity and Employment-Based Pension Income, Among Individuals d 50 and Over: 2006 by Ken McDonnell, EBRI Introduction This article looks at one slice of the income pie of the older population:
More informationBlackRock. LifePath Index Funds. An index-based Target Date approach, designed to help keep retirement savings on track
BlackRock LifePath s An index-based Target Date approach, designed to help keep retirement savings on track John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York
More informationTIAA-CREF Investing in You Survey Executive Summary. August 12, 2014
{ TIAA-CREF Investing in You Survey Executive Summary August 12, 2014 TIAA-CREF Survey Finds One-Third of Americans Have Never Increased Their Retirement Plan Contribution Rate Millennials are most likely
More informationWOMEN AND INVESTING. A Financial Guidebook for Women 04/11/2017
WOMEN AND INVESTING 04/11/2017 A Financial Guidebook for Women Women investors face many challenges to building wealth and securing their financial futures. We developed this resource as a guidebook for
More informationMassMutual Women s Retirement Risk Study
A P R I L 2 0 1 8 July 2018 MassMutual s Retirement Risk Study Background & Methodology Background To better understand the investment preferences and philosophies of women approaching retirement as well
More informationSaving and Investing Among High Income African-American and White Americans
The Ariel Mutual Funds/Charles Schwab & Co., Inc. Black Investor Survey: Saving and Investing Among High Income African-American and Americans June 2002 1 Prepared for Ariel Mutual Funds and Charles Schwab
More informationHEALTH, WEALTH & RELATIONSHIPS SPOTLIGHT ON OLDER WOMEN PROF RHEMA VAITHIANATHAN - CREA
HEALTH, WEALTH & RELATIONSHIPS SPOTLIGHT ON OLDER WOMEN PROF RHEMA VAITHIANATHAN - CREA WHAT IS THE SINGAPORE LIFE PANEL? Average 8,000 monthly responses by Singaporeans aged 50 to 70 80% online 20% phone
More informationFINANCIAL LITERACY AND RETIREMENT PREPAREDNESS
PRUDENTIAL INVESTMENTS» MUTUAL FUNDS FINANCIAL LITERACY AND RETIREMENT PREPAREDNESS WHITE PAPER STUDY FINDINGS Key Themes Financial literacy continues to pose a serious challenge to achieving retirement
More informationFOR WOMEN: A TIAA FINANCIAL ESSENTIALS WORKSHOP. She s Got It: A woman s guide to savings and investing
FOR WOMEN: A TIAA FINANCIAL ESSENTIALS WORKSHOP She s Got It: A woman s guide to savings and investing Agenda She s got it: A woman s guide to saving and investing Financial goals and strategies Basics
More informationTax Loss Harvesting+ Tax Loss Harvesting+ is powered by Betterment, our custodial and technology partner.
Tax Loss Harvesting+ TM Tax Loss Harvesting+ is powered by Betterment, our custodial and technology partner. What is Tax Loss Harvesting (TLH)? TLH is a tax-saving strategy that uses investment losses
More informationKBW Securities Broker and Market Structure Conference November 19, Member SIPC
KBW Securities Broker and Market Structure Conference November 19, 2014 Member SIPC www.sipc.org 1 Disclaimer The following information contains certain forward-looking statements that reflect the Company's
More informationGENDER AND MARITAL STATUS COMPARISONS AMONG WORKERS
2017 RCS FACT SHEET #5 GENDER AND MARITAL STATUS COMPARISONS AMONG WORKERS Are unmarried men and women equally likely to plan and save for retirement? Do they have similar expectations about their needs
More informationSandler O Neill Global Exchange and Brokerage Conference June 4, Member SIPC
Sandler O Neill Global Exchange and Brokerage Conference June 4, 2014 Member SIPC www.sipc.org 1 Disclaimer The following information contains certain forward-looking statements that reflect the Company's
More informationINVESTMENT GUIDE. Table of Contents. Introduction About Savings Plus... 1 How to Invest for Your Retirement... 1
INVESTMENT GUIDE INVESTMENT GUIDE Table of Contents Introduction About Savings Plus... 1 How to Invest for Your Retirement... 1 Section 1: Asset Allocation Two Key Elements of Asset Allocation... 3 How
More informationHow can I use index options to hedge my portfolio?
10 Common Options Questions Series: # 6 How can I use index options to hedge my portfolio? (1018-84KJ) We believe in the power of investing to transform peoples lives. We look at the world through clients
More informationIt s Getting Personal: The Shift to Customized Portfolios. Chris Weirath Head of Production Management, Managed Solutions Morningstar
It s Getting Personal: The Shift to Customized Portfolios Chris Weirath Head of Production Management, Managed Solutions Morningstar What is your current QDIA/default investment option for your DC plan?
More informationAlternative Ways to Invest in Bonds
Taddei, Ludwig & Associates, Inc. Kirk Ludwig, ChFC, CFP Scot Elrod Diane McCracken, ChFC Matt Taddei, CLU, CFP 999 Fifth Ave., Suite 230 San Rafael, CA 94901 scot@tlafinancial.com www.tlafinancial.com
More informationFinance 527: Lecture 35, Psychology of Investing V2
Finance 527: Lecture 35, Psychology of Investing V2 [John Nofsinger]: Welcome to the second video for the psychology of investing. In this one, we re going to talk about overconfidence. Like this little
More information2018 RIA Sentiment Survey
2018 RIA Sentiment Survey Independent RIAs Look Ahead to 2018 January 9, 2018 RIAs like what s ahead in 2018 The tax plan is the #1 item to impact client portfolios, say independent registered investment
More informationRisk Tolerance in a Volatile Market. A Spectrem Group White Paper
1 An investor s description of his or her own risk tolerance is not a reliable indicator of a willingness to make specific investment choices. In fact, this white paper will show that there is limited
More informationBuilding a Bullet Proof ETF Portfolio for Growth and Income. David Fabian May 2016
Building a Bullet Proof ETF Portfolio for Growth and Income David Fabian May 2016 Disclosure The information expressed by FMD Capital Management is for informational purposes only and should not be construed
More informationRe-Think Social Security ARE YOU MINIMIZING THE VALUE OF YOUR SOCIAL SECURITY BENEFITS?
Re-Think Social Security ARE YOU MINIMIZING THE VALUE OF YOUR SOCIAL SECURITY BENEFITS? When Should You Start Receiving Social Security? Many people think of Social Security as something the government
More informationCharles Schwab Wealth Management Monitor
Wealth Management Monitor Retail Investor Behavior and Sentiment Report Q1 & Q2 2017 Q1 & Q2 2017 Executive Summary Retail investor behavior underpinned by growing positivity and optimism about the stock
More informationDefensive Equity Sector Model Portfolios Methodology
What is a Model Portfolio? Defensive Equity Sector Model Portfolios Methodology A model portfolio is an investment strategy that attempts to closely match the asset allocation of a selected Target Asset
More information2015 Life + Money Survey: What Americans Think About Most
Brought to you by 2015 Life + Money Survey: What Americans Think About Most v What Do Americans Think About Most? GOBankingRates surveyed 5,003 U.S. adults, asking, What do you think about most? The following
More informationBuilding and Managing a Diversified Portfolio
Building and Managing a Diversified Portfolio Craig L. Israelsen, Ph.D. Designer of the Portfolio Presentation AAII Silicon Valley Chapter April 14, 2018 Based on research by Craig L. Israelsen, Ph.D.
More informationFundamentals of Retirement Income Planning. Presented by Galen Mayo December 4, 2013
1 Fundamentals of Retirement Income Planning Presented by Galen Mayo December 4, 2013 2 Know Your Risks The Five Key Risks in Retirement 1. Longevity 2. Health care expenses 3. Inflation 4. Asset allocation
More informationKEY FINDING: COUPLES AND DEBT
TOP FINDINGS FROM THE 2018 FIDELITY INVESTMENTS A FEW WORDS ABOUT THE STUDY The 2018 Fidelity Investments Couples & Money Study analyzes retirement and financial expectations and preparedness among 1,662
More informationQLACs. Qualified Longevity Annuity Contracts. Annuity Product Guides. Defer RMDs and convert your retirement savings into guaranteed lifetime income
Annuity Product s QLACs Qualified Longevity Annuity Contracts Defer RMDs and convert your retirement savings into guaranteed lifetime income Modernizing retirement security through trust, transparency
More informationSocial Security 5 th Annual Consumer Survey
NATIONWIDE RETIREMENT INSTITUTE Social Security 5 th Annual Consumer Survey April 2018 Future retirees* have fears about Social Security that are out of their control 4 of 5 agree the Social Security system
More informationWhy save for retirement?
Updated BG 11-30-2018 8-18-2015 Why save for retirement? Because you may not want to, or be able to, work your whole life Because you want to have enough money saved for a comfortable retirement Because
More information2018 ETF Investor Study by Charles Schwab. June 2018
2018 ETF Investor Study by Charles Schwab June 2018 Table of Contents Page About the Study 3 Millennials are Mad for ETFs 4 ETFs and the current market environment 13 Technology fuels ETF growth 18 Focus
More informationVolume 35, Issue 1. Effects of Aging on Gender Differences in Financial Markets
Volume 35, Issue 1 Effects of Aging on Gender Differences in Financial Markets Ran Shao Yeshiva University Na Wang Hofstra University Abstract Gender differences in risk-taking and investment decisions
More informationFidelity 2013 New Year Financial Resolutions Study Executive Summary
Fidelity 2013 New Year Financial Resolutions Study Executive Summary Introduction and Study Methodology The Fidelity New Year Financial Resolutions Study was designed to explore attitudes toward financial
More informationGender Pay Gap Report. 2016/17 Report
Gender Pay Gap Report 2016/17 Report Version 1.0 Published: March 2018 1 1. Introduction 1.1 Earlier this year, the Government introduced legislation which made it statutory for organisations with 250
More informationGender Pay Gap Report
Gender Pay Gap Report 2016-2017 Contents Contents 2 Introduction 3 Gender Profile 4 Gender Pay Gap in Hourly Pay 5 Bonus Gender Pay Gap...6 Proportion of Males and Females in each Pay Quartile..6 Actions
More informationPROSPECTUS. August 28, 2013 Pacific Financial Core Equity Fund. Institutional Class Shares: PFGQX Investor Class Shares: PFLQX
PROSPECTUS August 28, 2013 Pacific Financial Core Equity Fund Institutional Class Shares: PFGQX Investor Class Shares: PFLQX Pacific Financial Explorer Fund Institutional Class Shares: PFGPX Investor Class
More informationMachine Learning for Trading Financial Investing Part 3 of Course Overview and Introduction
Machine Learning for Trading Financial Investing Part 3 of Course Overview and Introduction So you want to be a Portfolio Manager? What is Computational Investing? Types of funds Liquidity and Capitalization
More informationAUTOMOTIVE FINANCE INSIGHT
AUTOMOTIVE FINANCE INSIGHT The Distinctive Journeys of Men and Women 5th Edition - Australia 2016 VEHICLE VALUE 02 By Purchased New $7,500 $10,000 0% 0% By Purchased Used $7,500 $10,000 6% 13% $10,001
More informationAre Women Standing Up to the
Are Women Standing Up to the Retirement Savings Challenge? Recognizing Women s Strengths with Money Do you wonder how women are faring when it comes to saving and investing for retirement? Are you concerned
More informationSWS programs. Investment Board. Education program in the fall. Research Teams. Executive Board. Seminar Series Investment Project
Introduction to SWS Education program in the fall Seminar Series Investment Project Research Teams Becoming an expert in an industry Giving stock pitches Investment Board Evaluating stock pitches Practical
More informationMassMutual LGBTQ Retirement Savings Risk Study
J U N E 2018 MassMutual Retirement Savings Risk Study RS-45520-00 Background & Methodology Background To better understand the investment preferences and philosophies of Americans approaching retirement
More informationAgile Investments ETF PORTFOLIO MANAGEMENT
Agile Investments ETF PORTFOLIO MANAGEMENT How Agile Is Your Portfolio? Agile Investments is a registered investment advisor that manages diversified portfolios on behalf of our clients. We construct portfolios
More informationTIAA-CREF Investment Options Survey Executive Summary. February 26, 2014
TIAA-CREF Investment Options Survey Executive Summary February 26, 2014 TIAA-CREF Survey: One- Third of Americans Are Not Familiar with Their Retirement Plan Investment Options Additionally, more than
More informationMoving From Inertia to Income: Insights Into Delivering Successful Retirement Outcomes
Retirement Insights Retirement income Moving From Inertia to Income: Insights Into Delivering Successful Retirement Outcomes One of the most complex tasks people face today is financial planning for retirement.
More informationOpting out of Retirement Plan Default Settings
WORKING PAPER Opting out of Retirement Plan Default Settings Jeremy Burke, Angela A. Hung, and Jill E. Luoto RAND Labor & Population WR-1162 January 2017 This paper series made possible by the NIA funded
More informationUnderstanding and Achieving Participant Financial Wellness
Understanding and Achieving Participant Financial Wellness Insights from our research From August 25, 2017 to January 31, 2018, the companies of OneAmerica fielded an online survey to retirement plan participants
More informationEXPERTLY DESIGNED. CONTINUALLY FINE-TUNED.
INVESTOR S GUIDE EXPERTLY DESIGNED. CONTINUALLY FINE-TUNED. Franklin LifeSmart Retirement Funds Each Franklin LifeSmart Retirement Target Fund is designed for investors expecting to retire around the target
More informationPractice Management Value-Add Programs. TIAA-CREF Asset Management. Silent alarm: Answering investors quiet pleas for help with target-date funds
Practice Management Value-Add Programs TIAA-CREF Asset Management Silent alarm: Answering investors quiet pleas for help with target-date funds Move beyond preconceived notions. A disconnect and missed
More informationS T H EIG E H H SCALING THE HEIGHTS I WITH EXCHANGE TRADED FUNDS T G LIN A SC
PROFESSIONALLY MANAGED INVESTMENT SOLUTIONS THROUGH EXCHANGE TRADED FUNDS SCALING THE HEIGHTS SCALING THE HEIGHTS I WITH EXCHANGE TRADED FUNDS AN ETF-BASED DISCIPLINED PROCESS TO HELP YOU ACHIEVE YOUR
More informationRetirement Redefined: Income Planning for the Modern Retiree
Retirement Redefined: Income Planning for the Modern Retiree Challenges and choices facing pre-retiree baby boomers For participants. Not FDIC Insured May Lose Value No Bank Guarantee Retirement Income
More informationInvestor Presentation. November 2012
Investor Presentation November 2012 Disclaimer The following information contains certain forward-looking statements that reflect the Company's current views with respect to certain current and future
More informationRetirement Readiness from Mindset to Action THE AUSTRALIAN RETIREMENT VISION SURVEY
Retirement Readiness from Mindset to Action THE AUSTRALIAN RETIREMENT VISION SURVEY 3 The Retirement Challenge 4 Australians Vision for Retirement 6 Lifestyle Expectations 6 Lifestyle Concerns 8 Income
More informationFundamentally weighted index strategies: A primer on asset allocation in three core asset classes
strategies: A primer on asset allocation in three core asset classes 1 2 3 Key takeaways strategies can serve as a complement to traditional cap-weighted index strategies. Combining fundamentally weighted
More informationNotes and Reading Guide Chapter 15 Mutual Funds
Notes and Reading Guide Chapter 15 Mutual Funds Name: 1. A mutual fund is an investment that from investors, the money, and invests it in,, and other investments. Each investor owns a of the fund proportionate
More informationInterviewer-Respondent Socio-Demographic Matching and Survey Cooperation
Vol. 3, Issue 4, 2010 Interviewer-Respondent Socio-Demographic Matching and Survey Cooperation Oliver Lipps Survey Practice 10.29115/SP-2010-0019 Aug 01, 2010 Tags: survey practice Abstract Interviewer-Respondent
More informationSavvy investments for her
Savvy investments for her Take an active role in your money matters You are powerful, but are you prepared? Many women are more involved with their finances now, than compared to just a few short years
More informationWhat To Digitize First, According To Recent Homebuyers
What To Digitize First, According To Recent Homebuyers National Housing Survey Topic Analysis Q1 2018 2018 Fannie Mae. Trademarks of Fannie Mae. 1 Borrowers Want Less Paperwork! Recent homebuyers are most
More informationVertex Wealth Management LLC 12/26/2012
Vertex Wealth Management LLC Michael J. Aluotto, CRPC President Private Wealth Manager 1325 Franklin Ave., Ste. 335 Garden City, NY 11530 516-294-8200 mjaluotto@1stallied.com Investment Basics 12/26/2012
More informationOptions Trader Study by Charles Schwab. October 2016
Options Trader Study by Charles Schwab October 2016 Table of Contents About the study 2 The retail options trader: profile and mindset 3 Options trading behaviors 10 Options trading approach 16 Demographics
More informationSelf-Insuring Your Retirement? Manage the Risks Involved Like an Actuary
Self-Insuring Your Retirement? Manage the Risks Involved Like an Actuary March 2010 Determining how much you can spend each year A financially successful retirement requires planning for two phases: saving
More informationWhat Works. Our time-tested approach to investing is very straightforward. And we re ready to make it work for you. Three important steps.
What Works Our time-tested approach to investing is very straightforward. And we re ready to make it work for you. Three important steps. Ten effective principles. Three important steps. Ten effective
More informationMMBB Financial Services 2/15/2013
MMBB Financial Services Brian J. Doughney, CFP Senior Wealth Manager 475 Riverside Dr Suite 1700 New York, NY 10115 800-986-6222 brian.doughney@mmbb.org Investment Basics 2/15/2013 Page 1 of 20, see disclaimer
More informationMillennial, Gen X, and Baby Boomer Workers and Retirees RETIREMENT SAVING & SPENDING STUDY
Millennial, Gen X, and Baby Boomer Workers and Retirees RETIREMENT SAVING & SPENDING STUDY Table of Contents Methodology Workers with 401(k)s: Millennials, Gen X, and Baby boomers Workers 401(k) Accounts
More informationINVESTMENT GUIDE. Investing for your future
INVESTMENT GUIDE Investing for your future February 2018 Contents Page Define what type of investor you are 4 Look at your investment options 10 Useful things you should know 27 Making your investment
More informationReal estate ETFs Pros and Cons:- Advantages:-
Real Estate ETFs Exchange Traded Funds Overview:- Exchange Traded Funds or ETFs for short are portfolios that contain various types of financial instruments that track the returns of an underlying asset
More informationConsumer Perceptions of Chip Cards (EMV) in the United States Vantiv, LLC. All rights reserved.
Consumer Perceptions of Chip Cards (EMV) in the United States 2018 Vantiv, LLC. All rights reserved. Methodology Online survey conducted with Socratic Technologies through an online consumer panel in April
More informationWomen, Wealth & Impact
Women, Wealth & Impact Sallie Krawcheck, Patricia Farrar-Rivas & Zachary Karabell October 1, 2015 2015 Envestnet, Inc. All rights reserved. For home office and advisor use only. Today s Speakers Sallie
More informationDIAs. Deferred Income Annuities. Annuity Product Guides. Convert your retirement savings into a future guaranteed lifetime income stream
Annuity Product s DIAs Deferred Income Annuities Convert your retirement savings into a future guaranteed lifetime income stream Modernizing retirement security through trust, transparency and by putting
More information2017 Workplace Benefits Report
RETIREMENT & BENEFIT PLAN SERVICES 2017 Workplace Benefits Report Insight for employers to drive employee engagement and empower them to pursue their best financial lives 2017 WORKPLACE BENEFITS REPORT
More informationMay 11, Retirement Planning: An Action Plan for Women. City of St. Louis 457 Deferred Compensation Plan
May 11, 2017 Retirement Planning: An Action Plan for Women City of St. Louis 457 Deferred Compensation Plan 1 Myth, perception or reality? Is saving for retirement different for women than men? What are
More informationResults by Oversampled Audiences June 2014
Results by Oversampled Audiences June 2014 SURVEY OVERVIEW Methodology Penn Schoen Berland completed 3,279 telephone interviews between April 3, 2014 and May 6, 2014 This report includes the following
More informationSuperannuation account balances by age and gender
Superannuation account balances by age and gender October 2017 Ross Clare, Director of Research ASFA Research and Resource Centre The Association of Superannuation Funds of Australia Limited (ASFA) PO
More informationThe Impact of the Default Investment Decision on Participant Deferral Rates: Managed Accounts vs Target-Date Funds
Retirement Industry Insights From Morningstar The Impact of the Default Investment Decision on Participant Deferral Rates: Managed Accounts vs Target-Date Funds David Blanchett, PhD, CFA, CFP Head of Retirement
More informationHow You Can Beat the Average Hedge Fund by 65% to 80% over 10 Years. The Market Realist Research Team Presents:
The Market Realist Research Team Presents: How You Can Beat the Average Hedge Fund by 65% to 80% over 10 Years www.marketrealist.com Market Realist Inc., 568 Broadway 11th Floor, New York, NY 10012 TABLE
More informationSMSF Insights FSC/UBS SMSF Report December 2015
SMSF Insights FSC/UBS SMSF Report December 2015 SMSF Average Exchange owners 15 fund size 16 Traded Funds 18 59% of SMSFs set up their fund for greater control and choice 45% of SMSF funds are worth $200,000
More informationPortfolio Construction
Portfolio Construction The benefits of portfolio diversification with ETFs 2 ETF Securities Investment building blocks for a changing world Portfolio Construction 3 In a world where investors are seeking
More informationProfessional vs. Non-Professional Investors: A Comparative study into the usage of Investment Tools
Professional vs. Non-Professional Investors: A Comparative study into the usage of Investment Tools Gil Cohen 1 Investors use varies tools in the investment process. Some use technical or fundamental analysis,
More informationGender And Marital Status Comparisons Among Workers
Page 1 2018 RCS FACT SHEET #5 Gender And Marital Status Comparisons Among Workers Are unmarried men and women equally likely to plan and save for retirement? Do they have similar expectations about their
More informationINVESTMENT GUIDE. Investing for your future
INVESTMENT GUIDE Investing for your future March 2019 Contents Page Define what type of investor you are 4 Look at your investment options 10 Useful things you should know 27 Making your investment choice
More informationSubject: Experience Review for the Years June 30, 2010, to June 30, 2014
STATE UNIVERSITIES RE T I R E M E N T S Y S T E M O F I L L I N O I S 201 5 E X P E R I E N C E R E V I E W F O R T H E Y E A R S J U N E 3 0, 2010, T O J U N E 3 0, 2014 January 16, 2015 Board of Trustees
More information10 Financial challenges facing women today
0 Financial challenges facing women today Shelly Maas June, 08 Disclosures Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult
More information