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📑 Research Notes for 2021-04-05
This week, we look at the benefits of corporate sustainability, the generational wealth gap, consumer spending, and the risk with a sequence of returns.
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Corporate Sustainability: Three Reasons Why It’s Even Better Than You Think.
Why be a good company? What benefits does being sustainable, diverse, and inclusive bring? There are several key advantages. But the one that most people think of first is sometimes the least important.
The Generational Wealth Gap.
Are younger people worse off today than prior generations were at similar ages According to this widely circulated chart, which shows that Baby Boomers held a much larger portion of U.S. household wealth in their 30s and 40s than Gen Xers do today at the same age, the answer is an unequivocal yes.
The Consumer is Spending, A Major Driver to the Economic Recovery.
(Horan Capital Advisors)
As is often said actions speak louder than words and with the consumer at the moment, both survey results and spending activity are moving in the same direction. The consumer accounts for 70% of GDP or the economy, so as the consumer goes, so goes the economy.
What is Sequence Risk?
(Mike the CFP)
Sequence risk is often overlooked, which is unfortunate given its potential severity. We are trained to look for the "average" rate of return, yet, the "timing" of returns is rarely discussed. This affects investors in both accumulation and retirement.
Curated by Joseph Lu, CFA®
Joseph has over a decade of experience as an investment professional, primarily in quantitative analysis and portfolio management roles. He is the founder and managing director of Conscious Capital Advisors and a CFA® Charterholder. The CFA charter is a globally respected, graduate-level investment credential by the CFA Institute, a global association of more than 90,000 investment professionals working in over 133 countries.
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