January 23, 2019 -- Research Roundup

Posted on January 23, 2019

Featured Research - January 2019
Prudential: The Cut – Exploring Financial Wellness Within Diverse Populations

New research from Prudential finds striking variations in Americans’ perceptions of their own financial health, with full a third believing they are either better or worse off than they are in reality. For example, 12 percent have a high level of financial health by objective measures, but are pessimistic about their finances. Conversely, 16 percent have low objective financial health, yet perceive themselves to be in good financial shape. The report examines the financial experience of six distinct population groups: women, black Americans, Asian Americans, Latino Americans, members of the LGBTQ community, and caregivers. The data reveal startling differences in our vast population, for example black Americans, Asian Americans and Latino Americans are far more likely than the general population to be providing financial support to extended family members.

Transamerica: A Precarious Existence: How Today’s Retirees are Financially Faring in Retirement

New research from the Transamerica Center for Retirement Studies (TCRS) finds that most retirees are enjoying life in retirement, are in good health and have a positive outlook on life. Ninety-one percent agree they are “generally happy people,” seven in 10 are in good or excellent health, and 64 percent say their standard of living has stayed the same since they retired. This is not to say they don’t have concerns; when asked about retirement fears, 47 percent cite declining health that requires long-term care and a reduction or elimination of Social Security benefit, 38 percent fear losing their independence, and 37 percent are worried about outliving their savings and investments.

Fidelity Investments: Tenth Annual New Year Financial Resolutions Study

The annual study from Fidelity explores whether Americans are committed to making their finances a priority as the new year approaches. This year, 32 percent of respondents indicate they are considering a financial resolution for the year ahead, compared to last year’s all-time low of 27 percent. And for the tenth consecutive year, the top 3 financial resolutions among those considering one are to save more (48%), pay down debt (29%), and spend less (15%).

Legg Mason: Investing Principles -The Rewards of Long-Term Investing

The odds have favored investors who take a long-term approach. Sticking to a long-term investment strategy pays off. Average stock market returns are mostly positive over time. Analysis and commentary from Legg Mason discusses the benefits of remaining invested and sticking to a long-term strategy. 

Goldman Sachs Asset Management: Market Pulse – Special Edition 10 for 2019

Market commentary from Goldman Sachs Asset Management provides 2019 macro and market views in 10 distinct areas: economic growth, labor, inflation, monetary policy, geopolitics, equities, rates, credit, currency, and volatility.

IRI Research: State of the Insured Retirement Industry: 2018 Review & 2019 Outlook

Improving sales, advancement of favorable legislation and demographic trends are among positive factors for the insured retirement industry, according to the Insured Retirement Institute (IRI) in its State of the IRI’s report covers trends and significant events over the past year and explores themes likely to emerge in 2019.

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