Podcasts about morningstar inc

Amy Arnott, Morningstar Inc. portfolio strategist, discusses why her team's starting safe withdrawal rate is more conservative than the popular 4% rule. Plus, a new metric to help determine financial priorities during retirement.How ‘The State of Retirement Income' Report Helps Investors Know Their Safe Withdrawal RateConservative Estimate for Starting Safe Withdrawal RateWhy Has the Starting Safe Withdrawal Rate Gone Down? Flexible or Dynamic Strategies to Increase the Starting Safe Withdrawal Rate What Is the Spending-Ending Ratio? Retirement Spending Strategies That Leave Legacy Funds Strategies to Help Retirees Spend All Their Retirement Savings Should You Delay Social Security? What Type of Retiree Should Considering an Annuity?Pros and Cons of Deferred Annuities What's Next for 'The State of Retirement Income' Report? Read about topics from this episode.  Six Retirement Withdrawal Strategies That Stretch SavingsThe Best Ways to Maximize Your Retirement Income in 2025Navigating the Future of Retirement Income: Trends, Strategies, and InsightsMorningstar's Retirement Income Research: Reevaluating the 4% Withdrawal RuleWhat's a Safe Retirement Spending Rate for 2025?Maybe You Shouldn't Delay Taking Your Social Security Benefits After AllHow to Retire: Tips for Entering RetirementTIPS Funds Gain on Fears of Inflation and Economic DownturnHow to Use Our Retirement Income Research  What to watch from Morningstar. Worried About a Market Sell-Off? These 10 Funds Reduce Portfolio RiskGray Divorce: How to Avoid Triggering a Costly Tax BillWhy the Bond Market Looks Brighter Than It Did in 2022Where to Find Bargain Stocks in an Expensive Market Read what our team is writing:Amy ArnottIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Amy Arnott, Morningstar Inc. portfolio strategist, discusses which investments have performed best and worst in past recessions. Gold prices are rising during the current market volatility. Arnott explains why it might not be the best time to buy the precious metal. Key Takeaways:Why Current Market Volatility May Not Be Ending SoonHow to Keep Yourself Steady During Market VolatilityHow Investors Nearing Retirement Can Avoid Sequence-of-Return Risk During Market VolatilityHow Retirees Can Mitigate Market Volatility Using the Bucket ApproachWhich Asset Classes Have Performed Best and Worst During a Recession?   What Investors Should Keep in Mind Before Going for Buying GoldWhy It's Better to Own Large Companies During an Economic SlowdownWhy Consumer Defensive Stocks Have Been Resilient During Recessions   What Sectors Have Been Hit the Hardest in Past Recessions?Create an Investment Plan and Stick to It During Market Volatility   Read about topics from this episode.  Best Investments to Own During a RecessionMorningstar's Take on Tariffs: Stock Impacts, Portfolio Tips, and MoreWhat We've Learned From 150 Years of Stock Market CrashesA Down-Market Survival Guide for Pre-RetireesA Down-Market Survival Guide for RetireesHow to Use Gold in Your PortfolioHow to Keep Your Cool in a Volatile MarketWhat Do Tariffs and Increased Recession Risk Mean for Banks?What Tariff Volatility Means for the Consumer Defensive SectorWhat Bucket Investors Should Do in Down MarketsIt Feels Different This Time—but It Probably Isn't What to watch from Morningstar. Market Volatility: What Lies Ahead in Trump's Trade WarMarket Volatility: What to Watch in Q2 After Big Swings in Q1Does it Pay to Copy Congress' Stock Trades?Can Healthcare Stocks Keep Outperforming the Market?  Read what our team is writing:Amy ArnottIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Sarah Hansen, Morningstar Inc. senior markets reporter, discusses the market volatility in the first quarter of 2025 and the portfolio strategy that paid off for investors.What's the Difference Between the Stock Market and the Economy? How Stock Market Trends in 2025 Have Shifted From Last Year Worries About Changes Fanning Market Volatility  How Tariffs Could Impact Growth, Inflation, and Consumer Prices Market Volatility Sends Investors Rushing to Gold What Are the Risks of a Recession in 2025? Why Portfolio Diversification Is a Winning Strategy During Market VolatilityWhat's next is now at the Morningstar Investment Conference. Register now to get to the source for cutting-edge research, expert insights, and thorough analysis. Click here to register.  Read about topics from this episode.  13 Charts on Q1's Dramatic Rotation in StocksTrump Tariff Selloff: How Long-Term Investors Can Best Weather the StormTariffs and the Markets: What Investors Need to KnowQ1's Biggest Lesson for Investors: Diversification WorksUS Stocks Fall Sharply as Recession Fears Build on Tariff WorriesTariffs Are a Self-Inflicted Economic CatastropheHow Caution and Contrarianism Paid Off for Investors During Q1What We've Learned From 150 Years of Stock Market CrashesInvestors Flock to Ultrashort Bond and Gold ETFs Amid Market Uncertainty What to watch from Morningstar.Does It Pay to Copy Congress' Stock Trades?Can Healthcare Stocks Keep Outperforming the Market?Worried About a Market Sell-Off? These 10 Funds Reduce Portfolio RiskGray Divorce: How to Avoid Triggering a Costly Tax Bill Read what our team is writing:Sarah HansenIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Sheryl Rowling, editorial director for financial advice at Morningstar Inc, discusses the financial and tax issues that could come up during and after a gray divorce.Limiting the Financial Impact of a Gray DivorceHow to Budget After DivorceWhat to Do if There's a Budget Shortfall Social Security Divorce BenefitsGray Divorce Near RetirementWill a New Tax-Filing Status Result in Higher Taxes? How to Fairly Split Assets in Divorce How to Avoid Tax Penalties When Dividing Retirement AccountsPros and Cons of Keeping the Family HomeSelling the House and Downsizing After DivorceWhy Hire Professionals to Help with a Gray Divorce  Read about topics from this episode.  Gray Divorce: 10 Financial and Tax Issues You Must Know After 50Maybe You Shouldn't Delay Taking Your Social Security Benefits After AllSix Retirement Withdrawal Strategies That Stretch Savings6 Retirement Financial Myths to AvoidWhat You Need to Know About Capital Gains DistributionsHow to Choose a Financial Advisor What to watch from Morningstar. Why the Bond Market Looks Brighter Than It Did in 2022Where to Find Bargain Stocks in an Expensive Market These 4 Dividend ETFs Strike the Right Balance for Income Investors Vanguard Fee Cuts May Be Small, But They're a Win For Investors Read what our team is writing:Sheryl RowlingIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

Dan Sotiroff, a senior manager research analyst for Morningstar, explains how lower fees on dozens of Vanguard investments will likely benefit both investors and the popular money manager. Plus, we hear from the hosts of our new podcast, The Morning Filter. David Sekera, Morningstar's chief US market strategist, and Susan Dziubinski, an investment specialist at Morningstar Inc., discuss how they cut through the noise of the stock market each week.Vanguard Fee Cuts 2025Why Is Vanguard Cutting Fees Now?6 Noteworthy Vanguard Funds and ETFs With Cheaper Expense Ratios Vanguard Signals to Investors to Consider Bond FundsIs Vanguard's New CEO Putting Pressure on BlackRock to Lower Fees?Has the “Race to the Bottom” of Cheaper Fund Fees Started Again?What Lower Fund Fees Mean for Vanguard Investors in the Long TermHow Vanguard Can Keep and Grow Their Customer BaseWhat's New in the MarketsIntroducing The Morning Filter PodcastHow The Morning Filter Brings Unique Insights to ListenersWhat to Expect from The Morning Filter's Weekly Analysis of Stock Picks and Pans MarketOutlook 2025: What Investors Can Expect How Investors and Advisors Learn from The Morning FilterWhat's next is now at the Morningstar Investment Conference. Register now to get to the source for cutting-edge research, expert insights, and thorough analysis.https://www.morningstar.com/business/events/morningstar-investment-conference?refid=investinginRead about topics from this episode.  Vanguard Cuts Fees on Nearly 90 Funds and ETFsVanguard in 2025: What Investors Need to KnowSubscribe to The Morning Filter on Apple podcasts, or wherever you stream podcasts.3 Stocks to Buy Before They Bounce Back What to watch from Morningstar.How Inflation, Tariffs, and More Could Impact Your Finances in 2025Why Inflation Still Poses a Risk to Stocks and Bonds in 2025Active ETFs vs Mutual Funds: What to Know Before Picking a New FundIt's Getting Easier to Invest in Private Assets. What Does That Mean for Investors? Read what our team is writing:Daniel SotiroffDavid SekeraSusan DziubinskiIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Sarah Hansen, Morningstar Inc markets reporter, explains why the markets are closely watching inflation and what some forecasters expect. Seth Goldstein, strategist for Morningstar Research Services, discusses whether the new Trump administration's policies could affect the electric vehicle industry and his outlook for Tesla's stock.What's Changed About the Inflation OutlookWhy Inflation is Running Hotter AgainWhat Stubborn Inflation Means for Investors and the EconomyMarkets' Response to Inflation Why Investors Need to Pay Attention to Inflation DriversWhat Economists Think Is Next for InflationBottom Line for InvestorsWhat's New in the Markets How Trump's Policy Shift Could Affect Tesla and Other AutomakersIs It Still Possible for EVs to Hit Their Accelerated Growth Forecast?Why Tesla May Have a Comeback in 2025What to Look for in Tesla's Upcoming EarningsMorningstar's Outlook on Tesla Stock  Read about topics from this episode.  Markets Breathe a Sigh of Relief on Softer Core InflationDecember Inflation Data Closes Door on January Rate Cut, but There's Improvement Under the HoodIs Inflation Really What Ails Stocks and Bonds?Stocks and Bonds Stumble on Hot Jobs Report. Are Markets in Trouble, or Is It Just Noise?Tesla: Full-Year Deliveries Decline and Energy Storage Deployments Set Record High What to watch from Morningstar.Active ETFs vs Mutual Funds: What to Know Before Picking a New FundIt's Getting Easier to Invest in Private Assets. What Does That Mean for Investors?Where Investors Can Find the Highest Bond Yields in 2025How the Fed's Surprise Outlook Adds to Market Uncertainty for 2025How to Diversify Your Portfolio to Handle a Market Correction Read what our team is writing:Sarah HansenSeth GoldsteinIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Tom Lauricella, Morningstar Inc global markets editor, explains why the market reacted poorly to the Federal Reserve's interest-rate outlook. The Smart Investor newsletter editor also discusses some of 2024's biggest headlines such as inflation, the broader stock market rally, and new leadership in Washington.Why the Fed Scaled Back from Four Interest-Rate Cuts to Two for 20255Did the Market Bounce Back After the Drop Following the Fed Rate Decision?Why the Fed Isn't Saying They Are Seeing a Stronger Economy in 2025Will Trump's Tariffs Cause Inflation to Rise?Will the Market's Momentum Continue into 2025?High Yields in the Bond Market Are Benefitting InvestorsWill the Trump Administration Boost Bitcoin's Growth?How Investor's Should Approach Trump's Second Term5 Stories Investors Should Watch for in 2025 Read about topics from this episode.  Subscribe to Morningstar's SmartInvestor newsletter.Stocks Tumble on New Fed Rate Forecast—Here's Why Fed Sets Stage For Fewer (or Possibly No) Rate Cuts in 2025 Forecasts for November PCE Preview Show More Moderation in Inflation What to Expect From Bitcoin in 2025 What Higher Bond Yields Mean for Markets in 2025 What to watch from Morningstar.How to Diversify Your Portfolio to Handle a Market CorrectionWhat Higher Bond Yields Mean for Markets in 2025Yes, You Can Still Find Tax-Loss Harvesting Opportunities in 2024A Simpler Medicare Part D Is Coming. Here's How It Could Save You Money Read what our team is writing:Tom LauricellaIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Morningstar Inc editor Margaret Giles discusses the triple-tax-benefits of HSAs, how they compare to other tax-advantaged accounts, and whether you can save too much. Greg Carlson, senior manager research analyst for Morningstar Research Services, highlights the providers that received Morningstar's top ratings.What is an HSA?Who is Eligible for an HSA?HSA vs FSAHow to Maximize the Triple-Tax Benefits of HSAsHow Do HSAs Compare to Other Tax-Advantaged Accounts?Can You Save Too Much in an HSA?How Has the HSA Landscape Evolved Over Time?HSA Adoption Growth and the Rise of High Deductible Healthcare Plans  How Does Morningstar Assess HSAs?What Makes a Good HHSA for SA for Spending?Top 3 HSA Providers for SpendingWhat Makes a Good HSA for Investing?Top 3 HSA Providers for InvestingMorningstar's Guide to the Best HSA Providers Read about topics from this episode. The Best HSA ProvidersWhat Can My HSA Be Used For?3 Tricks for Getting the Most Out of Your HSAHSA vs. FSA: How to Choose One  What to watch from Morningstar.How GLP-1 Drugs Like Ozempic Are Boosting Biopharma StocksIs the Fed's Plan to Avoid a Recession Working?Don't Overlook These Crucial Parts of Your Retirement PlanBoating Season Is Over, but Don't Overlook These Recreational Vehicle Stocks  Read what our team is writing:Margaret GilesGreg CarlsonIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Christine Benz, director of personal finance and retirement planning for Morningstar Inc., returns to the show — earlier this week she discussed her book "How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement" — to talk about how inflation, rate cuts and other current events are impacting retirement planning and asset allocation decisions. She notes that after two great years for the stock market, investors often struggle to make portfolios more appropriately conservative for their age. John Cole Scott, president of Closed-End Fund Advisors and chairman of the Active Investment Company Alliance, discusses four funds to consider for what he sees ahead in the fourth quarter, and Kevin Simpson, co-founder/chief investment officer at Capital Wealth Planning, makes his debut in the Market Call, talking about great business models generation big free cash flow, and then protecting the portfolio using covered calls.

Amar Reganti, fixed income strategist at the Hartford Funds, says that the Federal Reserve normally starts cutting rates only when something has gone wrong, but there doesn't seem to be any portion of the U.S. economy that is so over-leveraged that it craters as/when a rate-hike cycle ends. If nothing surfaces, Reganti says this may be the generational anomaly where the central bank actually achieves a soft landing, conditions where the softening economy may go through a recession but without getting really ugly. Michael Kahn, senior market analyst at Lowry Research Corp., says that the market's technicals are all looking good, a sign that investors should keep riding this trend rather than worrying about backing away from it just because the market is in record-high territory. Christine Benz, director of personal finance and retirement planning at Morningstar Inc., discusses her new book, "How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement," and Craig Sarembock, wealth adviser at Bartlett Wealth Management, talks growing stocks trading at reasonable prices in the Market Call.

Dan Lefkovitz, Morningstar Indexes strategist, explains how following the money can reveal how exposed your portfolio is to geopolitical risks. Christine Benz, Morningstar Inc director of personal finance, is the author of the new book, How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement. Benz joins Investing Insights to discuss her new book and how to avoid easy-to-miss pitfalls of retirement planning. Is Globalization Waning?Why the U.S., China, and Japan Are Turning to Global IncomeBig Tech's Influence on Global RevenueHow Nvidia Is Pushing the U.S. Stock Market to Be More GlobalCan Elections Influence the Revenue Picture for the U.S. Equity Market?Correlations Between Asset Classes in the U.S. and GloballyWhy Market Correlations Between Emerging Markets and Developed Markets Have Not RisenHow Revenue and Correlation Data Informs Portfolio DiversificationKey TakeawayPreview of The Week Ahead The Goal of Christine Benz's New Book ‘How to Retire'How Spending Fluctuates Throughout RetirementWhy Retirees Underrate the Value of Safer Investments and Inflation ProtectionThe Role of Non-Portfolio Income When Structuring Retirement PortfoliosHousing in Retirement  Why Relationships are Important as We Age Towards RetirementRead about topics from this episode.  When Gauging the Impact of Geopolitical Risk on Equity Markets, Consider Their Revenue Sources Ian Bremmer: 4 Big Geopolitical Risks to Watch How Did Diversified Portfolios Hold Up in 2023? Christine Benz: 5 Things I Learned About Retirement Planning From My New Book 5 Critical Financial Steps to Take Before You Retire Open Social Security: A free, open-source Social Security strategy calculator  What to watch from Morningstar.Boating Season Is Over, but Don't Overlook These Recreational Vehicle Stocks 5 Ways to Improve America's Retirement SavingsMutual Funds Turn 100. Can Investors Still Count on Them?Too Many Investment Accounts? Here's How to Reduce the Clutter Read what our team is writing:Ivanna Hampton Dan Lefkovitz Christine Benz  Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Bryan Armour, director of passive strategies research for North America for Morningstar Research Services, discusses why investors should consider diversifying beyond Magnificent Seven  stocks. Sarah Hansen, Morningstar Inc markets reporter, explains what caused the sharp stock market selloff. Preston Caldwell, senior US economist for Morningstar Research Services, explores whether the Federal Reserve needs to make an emergency rate cut.What Caused the Stock Market Selloff?U.S. Tech Stocks and Bank of Japan Raising Interest RatesGlobal Selloff and Big TechShould You Shift Your Portfolio Away from the Magnificent Seven Stocks?How the Magnificent Seven's Outperformance Affects the U.S. and Global MarketsApple and NVIDIA: Why Their Products Are a Double-Edged SwordWhat Areas of the Market Are Poised for a Rebound?How Diversification Can Help Investors Stop Chasing the Magnificent SevenTop ETF Picks for Portfolio DiversificationWhen Will the Fed Cut Interest Rates?Will There Be an Emergency Interest Rate Cut Before the Fed's Next Meeting? Read about topics from this episode.  Subscribe to Morningstar's ETFInvestor Newsletter.Magnificent Seven Stocks Slide, Valuations Looking ‘More Interesting'August 2024 Stock Market Outlook: Small-Cap and Value Stocks ShineWhat Caused the Stock Market Selloff?Markets Brief: Back on Recession Watch?Morningstar's Guide to Market Uncertainty What to watch from Morningstar.3 Asset Classes That Could Raise Your Portfolio's Risk LevelWhy Picking Top Stocks Is Not EnoughIs There a New Leader in the AI Race?BOXX ETF: Cash-Like Returns Without the Tax Bill Read what our team is writing:Ivanna HamptonBryan ArmourSarah HansenPreston Caldwell Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Amy Arnott, a portfolio strategist for Morningstar Inc., explains why asset classes like REITs and high-yield bonds may raise a portfolio's overall level of risk. She also discusses which areas investors should consider when building a diversified portfolio.Benefits of Diversifying Beyond U.S. Stocks and BondsWhich Asset Classes Didn't Move in the Opposite Direction of Stocks?International Stocks Correlations Have Shifted Towards U.S. StocksShould You Have International Stocks in Your Portfolio?Commodities Stock PerformanceWhat Hurdles Could Commodities Face?Cryptocurrency's Correlation Trend and Role in Your PortfolioWhat Investors Need to Know About Private Market InvestingREITs vs Overall U.S. MarketBest Diversifiers for Investors to Add to Their Portfolio Read about topics from this episode.  3 Assets That Might Not Diversify as Well as You ThinkHow Did Diversified Portfolios Hold Up in 2023?Why Simpler Has Been Better for Portfolio DiversificationWhy More Diversification Doesn't Mean Better ReturnsWhat Higher Inflation Means for Stock/Bond Correlations What to watch from Morningstar.Why Picking Top Stocks Is Not EnoughIs There a New Leader in the AI Race?BOXX ETF: Cash-Like Returns Without the Tax BillActive ETFs: What Investors Need to Know Read what our team is writing:Ivanna HamptonAmy Arnott Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Sarah Hansen, Morningstar Inc. markets reporter talks about what is driving the AI market rally, and what's next for AI and the Fab Five. Sean Dunlop, a senior equity analyst for Morningstar Research Services, explains how AI can innovate the restaurant industry. Travis Miller, energy and utilities strategist for Morningstar Research Services, discusses how utilities are powering AI through data center demand.  Should the AI Market Rally Broaden Its View?Who Is Driving the Fab Five's Success?Will NVIDIA Remain the Leader in the Artificial Intelligence Race?Tech Companies Struggling to Keep Up with the Fab FiveAI OutlookCan AI Speed Up Tech Evolution?How Digital Adoption Can Grow Bottom Lines  Restaurant Industry Forecast for 2024Utilities Stocks: When Will the Market Give the Sector Some Respect?  Where Do Utilities Fit Into AI Growth?   Read about topics from this episode.  These Stocks Are (Still) Powering the Bull MarketAI Is Booming, but Consumer Spending Is Slowing. Which Will Prevail in the Stock Market?Should You Buy and Hold an Artificial Intelligence Portfolio?Which AI Stocks Are Turning Hype Into Revenue?Utility Stocks: When Will the Market Give the Sector Some Respect? What to watch from Morningstar.4 Reasons Why the Stock Market Has Delivered Impressive PerformanceInherited IRA Investors Get Another Break, but the Clock Is Ticking on RMDsShort-Term Market Volatility Could Provide Long-Term Investing OpportunitiesAI Can Help Restaurants Innovate, But Will It Deliver Profits? Read what our team is writing:Ivanna HamptonSarah HansenSean DunlopTravis Miller Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Morningstar Research Services' Bryan Armour, director of passive strategies research for North America; Ryan Jackson, senior manager research analyst; and Daniel Sotiroff, senior manager research analyst discuss what's driving the rapid of growth active ETFs and how their tax efficiency and lower costs make them an easy win for investors. The team joins host Sarah Hansen, Morningstar Inc. markets reporter, at the 2024 Morningstar Investment Conference.Active vs Passive ETFsWhat's Driving the Growth of Active ETFs?Why Some Active ETFs Are More Successful Than OthersActive ETFs that Managers Have Shied Away FromWho Should Invest in Active ETFs?Misconceptions About Active ETFsTop-Rated Active ETFsWhat's Next for Active ETFs? Read about topics from this episode.  Morningstar's Guide to US Active ETFsActive ETFs are Soaring. Should You Invest?3 Great Active ETFs for Bond InvestorsThe Best Active ETFs to BuyHere's Why Active ETFs Are So Hot Right NowHow to Choose Great ETFs for the Long Term What to watch from Morningstar.4 Reasons Why the Stock Market Has Delivered Impressive PerformanceShort-Term Market Volatility Could Provide Long-Term Investing OpportunitiesCovered Call and Buffer ETFs: Do the Pros Outweigh the Cons?How to Find a Great Dividend Fund Read what our team is writing:Sarah HansenBryan ArmourRyan JacksonDaniel Sotiroff Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://x.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Sarah Hansen, Morningstar Inc. markets reporter, discusses why the stock market is up today and what could cause it to fall. Preston Caldwell, senior US economist for Morningstar Research Services, explains why he thinks the Federal Reserve will cut interest rates more than once in 2024.Should You Invest in Spot Ether ETFs?Lululemon on Track Despite Slowdown in AmericasThe Fed's Inflation Outlook Is a Little Too PessimisticGood News from the Fed's New Inflation ReportWill the Fed Cut Interest Rates in 2024?How Investors Can Interpret the Fed Lifting its Long Run Interest RateWhy Are Stocks Hitting Record Highs How the Growing US Economy Has Supported Stocks Impressive Performance  Is Inflation Finally Trending Down Again?Why Wall Street's View of the Fed is ChangingWill Record Profits During Company Earnings Continue?What Risks Could Cause the Stock Market to Fall? Read about topics from this episode.  Spot Ether ETFs: Should You Invest? Lululemon Earnings: On Track to Meet Expectations Despite Slowdown In Americas A Cautious Fed Eyes Just One Rate Cut In 2024 Why Stocks Are Hitting Record Highs—and What Could Send Them Back to Earth  What to watch from Morningstar.Why More Diversification Doesn't Mean Better Returns Invest in SpaceX Alongside Elon Musk? Why This Closed-End Fund Is Not Worth the RideMaximize Credit Card Points for Better Trips and RewardsInherited IRA Investors Get Another Break, but the Clock Is Ticking on RMDs Read what our team is writing:Ivanna HamptonSarah HansenPreston Caldwell  Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Amy Arnott, portfolio strategist for Morningstar Inc, discusses why the classic 60/40 investment strategy beat a more diversified portfolio in 2023, and the positive that can come from interest-rate pivots.The Benefits of Portfolio Diversification  How Does the 60/40 Portfolio Hold Up Against a Portfolio with More Asset Classes?Why the Well-Diversified Portfolio Struggled in 2023Is it Worth it to Invest Beyond the 60/40 Portfolio?Why Interest Rate Pivots Are Painful and EncouragingIs There an Interest Rate Pivot Right Now?Do Bonds Still Provide a Diversification Benefit?Which Bonds are the Best Portfolio Diversifiers?The Role of Cash in an Investment PortfolioKey Takeaways Read about topics from this episode.  How Did Diversified Portfolios Hold Up in 2023? Why Simpler Has Been Better for Portfolio Diversification How Rising Interest Rates Change the Relationship Between Stocks and Bonds Which Bonds Provide the Biggest Diversification Benefit? Top 10 Things to Know About Building a Diversified Portfolio  What to watch from Morningstar.Invest in SpaceX Alongside Elon Musk? Why This Closed-End Fund Is Not Worth the Ride Maximize Credit Card Points for Better Trips and RewardsInherited IRA Investors Get Another Break, but the Clock Is Ticking on RMDsShort-Term Market Volatility Could Provide Long-Term Investing Opportunities Read what our team is writing:Ivanna HamptonAmy Arnott  Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

Jack Shannon, senior manager research analyst for Morningstar Research Services, talks about the mania around Destiny Tech 100 and how much investors are paying to own the closed-end fund compared with what it's worth. Margaret Giles, Morningstar Inc editor, discusses how life-stage investing can help pre-retirees and retirees map their priorities.Nvidia's 10-for-1 Stock SplitTarget's Weak Sales and Declining Market ShareVanguard's New CEO Starting Soon  Investing for Each Life StageFinancial Priorities When You Approach RetirementWhy Investors Should Think About Withdrawal Sequencing During Pre-RetirementWhy Retirees Struggle to Start Tapping Into Their PortfoliosFinancial Priorities When You RetireWhat Investors Need to Know About Destiny Tech100  Closed-End Funds vs Open-End FundsWhy Destiny Tech100's Net Asset Value Premium is “Insane”Should Investors Own Destiny Tech100 Over Other Mutual Funds with Startup Stocks?Key Takeaways for Investors Read about topics from this episode.  Nvidia Earnings: AI Demand Smashes Expectations Again Target Earnings: Margins Hold Up, but Top Line Constrained by Weak Discretionary Spending Vanguard Chooses an Outsider as Its New CEO An Investing Guide for Every Life Stage The Bucket Investor's Guide to Setting Retirement Asset Allocation DXYZ: This Closed-End Fund Is Not Destiny's Child  What to watch from Morningstar.Maximize Credit Card Points for Better Trips and Rewards Inherited IRA Investors Get Another Break, but the Clock Is Ticking on RMDsShort-Term Market Volatility Could Provide Long-Term Investing OpportunitiesMagnificent Seven Stocks: What's Going on With Apple, Tesla, and Alphabet? Read what our team is writing:Ivanna HamptonMargaret Giles Jack Shannon Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/X: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Sarah Hansen, Morningstar Inc markets reporter, discusses how today's market volatility could benefit investors who are focused on long-term investing. Mark Miller, Retirement Reboot author, calls the Medicare changes in 2024 at the pharmacy counter “the best news that few people seem to know about.”   Apple's Weak 2024 but Optimism for 2025Amazon's Impressive First QuarterEli Lilly's Better-Than-Expected Q1Medicare's Falling Prescription Costs Why Are Medicare Prescription Costs Dropping?How Spending Caps Affect SeniorsExpanded Access to Federal Assistance for Low-Income SeniorsWill Interest Rates Stay Higher for Longer?How Have Interest Rates Weighed on Stocks?How Fewer Interest Rate Cuts Could Benefit InvestorsKey Takeaway Read about topics from this episode.  Apple Earnings: A Weak 2024, but Optimism for 2025Amazon Earnings: AWS Growth Accelerates and Profit Margins ImproveEli Lilly Earnings: Strong Weight-Loss Drug Sales Expand MarginsI'm 65 and Still Working. Should I Enroll in Medicare?What Hot Inflation and Delayed Rate Cuts Mean for Investors  What to watch from Morningstar.Magnificent Seven Stocks: What's Going on With Apple, Tesla, and Alphabet?Covered Call and Buffer ETFs: Do the Pros Outweigh the Cons?Make These Investing Moves Now for a Better Tax Day in 20253 Cheap Stocks to Watch in the Fight Over Sports Streaming Read what our team is writing:Ivanna HamptonMark MillerSarah Hansen Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

Sarah Hansen, Morningstar Inc markets reporter, explains why Apple and Tesla are diverging from the rest of the Magnificent Seven stocks. Also, details into a first ever dividend from Alphabet. Preston Caldwell, senior US economist for Morningstar Research Services, discusses why the Federal Reserve left higher interest rates in place and is changing its bond holdings.Alphabet's First DividendBoeing's Focused on Recovering from Past MistakesGeneral Motors Strong Start to 2024The Magnificent Seven Stock DivergenceApple's Fallen from Last Year's Rally  How Apple Could Reverse the SlideWhy Investors Are Changing Their Minds About TeslaMorningstar's Outlook for TeslaHigher Interest Rates Stick Around Read about topics from this episode.  Alphabet Shares Surge on Strong Earnings, Dividend SurpriseBoeing Earnings: Paying for Mistakes Made Long Ago, Taking Back the Factory FloorGM Earnings: Strong Start to 2024 Is Good Sign for Rest of the YearMagnificent No More? Apple and Tesla Stocks Are Weighing on the MarketWith Sticky March PCE Inflation, When Will the Fed Hit Its 2% Target? What to watch from Morningstar.Covered Call and Buffer ETFs: Do the Pros Outweigh the Cons?Make These Investing Moves Now for a Better Tax Day in 20253 Cheap Stocks to Watch in the Fight Over Sports StreamingHow to Find a Great Dividend Fund Read what our team is writing:Ivanna HamptonSarah HansenPreston Caldwell Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Get a glimpse inside the mind of an allocator in part 1 of our Ask an Allocator series. Today, you'll hear from Bill Harding, CIO of Jackson National, with $29.8B directly managed fund-of-fund assets.  Listen in as Bill and Stacy discuss:Bill's Backstory - from a financial analyst at a cheese manufacturer to CIO at Jackson NationalWhat it takes for a fund manager to win his nod of approval when pitching a partnershipWhy past performance isn't the whole story when allocators are on the huntThe hard-hitting questions you can expect fund buyers to ask (spoiler alert: it's not quantitative!). About Bill Harding: Bill joined JNAM as Head of Investment Management in October 2012, andoversees the asset allocation and portfolio construction process, sub-adviser monitoring, and manager research. He was previously Head of Manager Research for Morningstar Inc.'s Investment Management division and has more than 20 years of experience in portfolio management, asset allocation, and manager research while working at JNAM, Morningstar and Leprino Foods Company. Bill graduated from the University of Colorado, Boulder with a Bachelor of Science degree in Business. He holds an MBA from Loyola University Chicago and is a CFA charterholder.Resources Mentioned in This Episode: Songs: Enter Sandman - MetallicaBooks: On Fire by John O'Leary

Sheryl Rowling, editorial director for financial advice for Morningstar Inc, talks about four strategies to practice tax-efficient investing all year. Morningstar Sustainalytics' director of stewardship Jackie Cook discusses three climate change resolutions this proxy-voting season, including one on Bank of America's ballot.Tesla Appears It's Focusing on ProfitsJPMorgan Chase Keeps Outlook SteadyClimate Change Resolutions During Proxy-Voting SeasonTax-Efficient Investing: 4 Moves to Make NowRead about topics from this episode. Tesla: Staff Reduction Confirms Our View of Focus on Profits In 2024JPMorgan Earnings: Bumper Profits Driven by Strong Net Interest Income and Trading Revenue4 Climate Votes That Matter in This Year's Proxy-Voting SeasonWhat to watch from Morningstar.3 Cheap Stocks to Watch in the Fight Over Sports StreamingHow to Find a Great Dividend FundThe 4% Retirement Rule is Just a Starting PointNew Dividend Stocks: Can Meta and Salesforce Help Revive the Classic Strategy?Read what our team is writing:Ivanna HamptonJackie CookSheryl Rowling Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Noah Rohr, equity analyst for Morningstar Research Services, explains how Walmart's stock split will work, and what he's looking for in the retailer's earnings report. Sylvester Flood, senior product manager for Morningstar Inc, tells Ruth Saldanha, editorial manager for Morningstar Research Inc, why the demand for spot bitcoin ETFs is expected to grow. Disney's Climbing Margins in Q1Ford's Cutting Costs After UAW StrikeCVS 2024 Outlook TrimmedWalmart Stock SplitWhy Is Walmart Splitting Its Stock?Will This Stock Split Help Investors?What to Look for in Walmart's Earnings Walmart Stock Spot Bitcoin ETFsHow Much Money Went Into The Spot Bitcoin ETF Launch?ETF FlowsHow to Calculate ETF Flow NumbersNew Net Money vs. Flow from One ETF to Another‘Easy Button' for Advisors Investing in Bitcoin Read about topics from this episode.  Disney Earnings: Lots of Good, Especially for the Flashy Metrics, but Underlying Issues Remain Ford Earnings: Pricing Eases UAW Strike Damage CVS Earnings: Outlook Trimmed Due to Elevated Medical Utilization In Medicare Advantage Business Walmart Earnings: Top Line Expands as Consumers Seek Value Amid Tighter Economic ConditionsSpot Bitcoin ETFs Are Here. Should You Invest?  What to watch from Morningstar.Should You Bet on Online Gambling Stocks Now?When Will the Fed Finally Cut Rates?Could Company 401(k)s Go the Way of IBM?Why Now Is the Time for Value Investing Read what our team is writing:Ivanna HamptonNoah Rohr Ruth Saldanha  Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

In this episode of Occupied Thoughts, FMEP's Lara Friedman speaks to international legal expert in business and human rights Tara Van Ho about the latest twist in the ongoing controversy involving the Chicago-based financial services company Morningstar Inc. and its subsidiary Sustainalytics, over how it deals with Israel and the Occupied Palestinian territories. Specifically, the podcast explores Morningstar's recently released (January 31, 2024) 37-page report, written by a pair of "independent experts," laying out recommendations regarding how Morningstar conducts its environmental, social, and governance (ESG) assessments, such that Israel and companies operating in Israel are absolved of any possible association with ESG risks, real or potential.

Sarah Hansen, Morningstar Inc markets reporter, talks about different scenarios that could provide a boost to value investing in 2024. Bryan Armour, director of passive strategies research for North America for Morningstar Research Services, explains why spot bitcoin ETFs are the best option on the fund market for bitcoin investors.00:45 BlackRock's Earnings Surpassed Morningstar's Expectations01:48 Coinbase Benefits from Higher Trading Revenue02:58 Should You Invest in Spot Bitcoin ETFs?03:36 Spot Bitcoin ETF vs Bitcoin Futures ETF05:05 Bitcoin Risks to Investors06:15 What Investors Should Consider Before Buying a Spot Bitcoin ETF08:51 Could Value Stocks Take the Lead in 2024?09:57 Value Stocks vs Growth Stocks10:54 Opportunities for Investors11:54 Are Value Stocks Making a Comeback?Read about topics from this episode.  BlackRock Earnings: GIP Acquisition Provides a Boost to Improving AUM Growth Forecast Is Coinbase Stock a Buy, a Sell, or Fairly Valued? Spot Bitcoin ETFs Are Here. Should You Invest? Will Value Stocks Take the Lead In 2024?  What to watch from Morningstar.AI Can Help Restaurants Innovate, But Will It Deliver Profits? Betting Big on Stocks Rarely Beats Boring Investing 5 Pieces of Good News for Investors as 2023 Wraps Up Charlie Munger, Warren Buffett Built Berkshire Hathaway to Thrive After They're Gone Read what our team is writing:Ivanna HamptonSarah Hansen Bryan Armour  Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

The world of investments today isn't the same as what it was 20 years ago. Back then, the services that financial advisors provided their clients were much more 1:1 matched. As Rob Pettman, EVP and head of wealth management solutions at LPL Financial can attest, it was “a bit like being a Home Depot floor worker.”In today's landscape, however, advisors have evolved greatly in how they work with their investor clients on wealth management and exploring opportunities.Rob Pettman joins the Big Picture in Practice hosts to talk about the evolution of the broker-dealer landscape. What it was, what it has become, and what it could be down the line.You can listen to this and other episodes of Big Picture in Practice wherever you stream podcasts.Additional resources:Catch up on previous episodes: https://www.morningstar.com/views/podcasts/big-picture-in-practiceCheck out our blog: https://www.morningstar.com/views/podcasts/big-picture-in-practice/broker-dealer-landscapeSubscribe to our newsletter: https://www.morningstar.com/business/insights/research/big-picture-in-practice-newsletterQuestions or ideas? Email us at bigpictureinpractice@morningstar.com.

Tom Lauricella, Morningstar Inc's global markets editor and Smart Investor newsletter editor, discusses some of this year's biggest headlines including the Federal Reserve signaling an end to hiking interest rates, the bond market's performance, and the AI boom.What to Expect from the Fed in 2024Inflation and Housing  Dropping Bond Yields The Magnificent Seven StocksNvidia Stock vs Cisco StockWho Is Next to Benefit from AI?Outlook for Obesity Drug Stocks The Bond Market in 20232024 Outlook Read about topics from this episode.  Fed Inches Closer to 2024 Rate CutsHow Have the Magnificent Seven's Earnings Been Looking?Nvidia 2023 vs. Cisco 1999: Will History Repeat?7 Charts On the AI Stock Boom One Year After ChatGPT's LaunchObesity Drug Stocks: Where to Invest NowThe 4 Biggest Market Stories of 2023 — and What's Next in 2024 What to watch from Morningstar.Why are Active ETFs Everywhere, and Are Investors Abandoning Mutual Funds?Timing the Market Doesn't Work — We Did the MathMake the Most of Your HSA Benefits and Investments in 2024Headwinds Hold Airlines Back, But Check Out These Travel Stocks for the Holidays Read what our team is writing:Tom LauricellaIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

Sarah Hansen, Morningstar Inc markets reporter, discusses why optimism and worry loom over the holiday shopping season. Gregg Warren, strategist for Morningstar Research Services, talks about how Munger's passing will impact Berkshire and his outlook for the company. He also shares one of his favorite quotes from the sharp-witted investing legend. Instacart's CompetitionLululemon's Q3 Beats Morningstar's ExpectationsHoliday Shopping Season and Consumer SpendingRetailers' MoodSales ExpectationsHow the Loss of Charlie Munger Could Impact Berkshire HathawayCharlie Munger & Warren Buffett Laid the Groundwork for a Successful TransitionMorningstar's Outlook on Berkshire Hathaway's StockHow Charlie Munger and Warren Buffett Inspired InvestorsFavorite Charlie Munger Quote Read about topics from this episode.  Instacart: Market Dominance at Risk With Heightened CompetitionLululemon Earnings: Strong Momentum Leading Into a Competitive Holiday PeriodNovember Jobs Report Shows Steady Strength In HiringMarkets Brief: Why Investors Should Pay Extra Attention to Shopping Trends This HolidayWhy Berkshire Hathaway's Success Will Continue After Charlie Munger ... and Warren Buffett  What to watch from Morningstar.Why are Active ETFs Everywhere, and Are Investors Abandoning Mutual Funds?Timing the Market Doesn't Work — We Did the MathMake the Most of Your HSA Benefits and Investments in 2024Headwinds Hold Airlines Back, But Check Out These Travel Stocks for the Holidays Read what our team is writing:Sarah HansenGreggory WarrenIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Adam Fleck, director of research for ratings and ESG for Morningstar Research Services, explains why market-timing underperforms a hands-off strategy. Leslie Norton, editorial director for sustainability for Morningstar Inc., discusses what to expect at COP28 and the global push to net zero.NVIDIA's Outstanding Fiscal Q3 Revenue  Cisco's Gloomy Full-Year OutlookShopping Boosted Walmart's Q3, But Uncertainty Remains Going into HolidaysWhat Investors Should Pay Attention to From the United Nations Climate Change Conference The Paris Agreement Calls for Progess Check at COP28What Are Governments Doing About Rising Global Temperatures?Who's Leading and Lagging in Becoming Net-Zero? Investment Opportunities in Clean Energy TransitionShould Investors Focus on Time in the Market?Does Market Timing Work?Market Signals for InvestorsMarket Timing vs. Buy And HoldWhy The Portfolio That Relies on the Market Timing Underperforms  Remembering Charlie Munger Read about topics from this episode.  Nvidia Earnings: Predictably Outstanding Results; Strong Forward Guidance Cisco Earnings: Still Like Long-Term Opportunity Despite Lowered Outlook Walmart Earnings: Top Line Expands as Consumers Seek Value Amid Tighter Economic Conditions Staying Invested Beats Timing the Market—Here's the Proof What Does a Warmer Future Mean for Oil & Gas Stocks? 12 Lessons on Money and More From Warren Buffett and Charlie Munger   What to watch from Morningstar.Make the Most of Your HSA Benefits and Investments in 2024 https://youtu.be/2zPAQcSf0Pw?si=CjJyf5pTlHTMBWRDHeadwinds Hold Airlines Back, But Check Out These Travel Stocks for the Holidays https://youtu.be/Dd1H9tQ8Hp8?si=VaX9p-aDIpajlKGJHigher Bond Yields and Interest Rates Are Here to Stay https://youtu.be/cmcvJ2BY6_g?si=HpvsruSUlXgO4D3MNew iShares Target-Date ETFs Provide Different Retirement Saving Path https://youtu.be/thAqOc8pokY?si=prbOtZ-x18rO81XZ Read what our team is writing:Leslie Norton Adam Fleck Ivanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

Margaret Giles, Morningstar Inc editor, discusses how to use HSA benefits and the 2024 HSA contribution limits. Greg Carlson, Morningstar Research Services senior manager research analyst, talks about who Morningstar has ranked the top HSA providers for spending and investing. What is an HSA?HSA vs. FSAHSA Limits Are Increasing in 2024How To Maximize the Triple tax BenefitHow to Switch an HSA ProviderWhat to Look for When Shopping for a Health Savings AccountBest HSAs for SpendingBest HSAs for Investing  Read about topics from this episode.  What Happens to Your HSA in Retirement?What Can My HSA Be Used For?Can You Save Too Much in a Health Savings Account?The Best HSA Providers of 2023 What to watch from Morningstar.New iShares Target-Date ETFs Provide Different Retirement Saving Path5 Scary Stocks for You to Avoid This HalloweenNavigating Medicare Open Enrollment for 2024Falling Mutual Fund and ETF Fees a ‘Big Win for Investors' Read what our team is writing:Margaret GilesGreg CarlsonIvanna Hampton Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

Sarah Hansen, Morningstar Inc markets reporter, explains the new normal of bond yields and interest rates and where investors can find fixed-income opportunities. Adam Fleck, director of research for ratings and ESG for Morningstar Research Services, discusses how companies with union workers can compete against non-union firms.Apple's Solid Fiscal Fourth QuarterEli Lilly's Diabetes Drug Lift in Q3McDonald's Is Resilient Under Inflation Pressure‘Higher for Longer' EraTight vs. Loose Financial Conditions'Higher-for-Longer' Side Effects Fixed-Income Market  Opportunities for InvestorsAre Labor Unions Bad for Business?Risks and Benefits of a Unionized WorkforceCan Unionized Companies Compete with Non-unionized Companies?GM, Ford, and Stellantis Uncertainty Ratings

In today's episode, Morningstar Inc's investment specialist Susan Dziubinski highlights three dividend stocks, while Kristoffer Inton, consumer equity strategist at Morningstar Research Services, talks all the latest developments in the cannabis space.Salesforce Soared Among the CloudsUnited Auto Workers Vote to Approve a StrikeBest Buy's Better Q2Cannabis Stocks Slow Growth  HHS Recommends Rescheduling Cannabis   Canadian Cannabis Companies Cannabis Stocks Look Cheap Cannabis Stock Outlook  Read about topics from this episode.  Salesforce Earnings: Strong Margins, Share Buybacks, CRPO Growth Drive Good QuarterUAW Strike Likely at Stellantis, and Striking All the Detroit Three at Once Is PossibleBest Buy Earnings: Solid Quarter Overshadowed by Weak Industry Environment; Shares Remain CheapCannabis Shares Rally On Recommendation for Less Stringent Prohibition What to watch from Morningstar.Economy Outshines ‘Uneventful Earnings'Microsoft Bets Big on AI: What Investors Should Know, Part TwoMicrosoft Bets Big on AI: What Investors Should Know, Part OneInterest-Rate Forecast: What's Next? Read what our team is writing:Ruth SaldanhaKristoffer IntonSusan DziubinskiDave Sekera  Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

Episode notes: In today's episode, Tom Lauricella, Morningstar Inc's chief markets editor, talks about the strong economy and where investors can find some opportunities.Timestamps:Earnings Season TrendsApple and Amazon EarningsWhat Did We See from the Banks in Q2?Key Trends and the U.S. Economy Will There Be a Recession? Inflation TrendsFed and Interest Rates OutlookStock Market OutlookNear-Term Stock OutlookWhat Headwinds Could the Stock Market Face?Takeaways forrom 2023 Read about topics from this episode. July Jobs Report Suggests Economy on Track for ‘Immaculate Disinflation'Markets Brief: Is the Stock Rally Broadening?July CPI Report Cements Improved Inflation Picture5 Stocks To Buy as Q2 Earnings Season Wraps UpThe Stock Market Is Now Fairly Valued. Here's What to Do Next. Subscribe to Smart Investor! [IH1] What to watch from Morningstar.Microsoft Bets Big on AI: What Investors Should Know, Part TwoMicrosoft Bets Big on AI: What Investors Should Know, Part OneInterest-Rate Forecast: What's Next?What To Do With Your Cash Right Now  Read what our team is writing:Ivanna HamptonTom Lauricella Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/@Jessica Bebel Nice touch! Thanks for including. [IH1]

Episode Notes Inspired by a Twitter showdown about ESG investing, Jeff and Bruce seek more information from Adam Fleck, director of equity research for ESG at Morningstar Research Services. The guys dive deep to better understand the landscape of ESG investing and how we can get past the political challenges. Guest Bio: Adam Fleck is the director of equity research, ESG for Morningstar Research Services LLC, a wholly owned subsidiary of Morningstar Inc. He leads Morningstar's environmental, social and governance equity research efforts, including collaboration with Sustainalytics, along with a team of analysts in Chicago and Amsterdam. Before assuming his current role, Fleck was Morningstar's regional director of equity research in Australia and New Zealand and director of North American consumer equity research. He joined Morningstar in 2006. Fleck holds a bachelor's degree in business administration from the University of Notre Dame, where he graduated cum laude. He also holds the Chartered Financial Analyst® designation. As one of the industry's largest and most experienced asset managers, we offer a focused lineup of competitively priced ETFs, mutual funds and separately managed account strategies designed to serve the central needs of most investors. By operating our business through clients' eyes, and putting them at the center of our decisions, we aim to deliver exceptional experiences to investors and the financial professionals who serve them.

Jeff takes the pod solo as he talks to Bobby Blue, senior manager research analyst at Morningstar. Together they tackle liquid alternative funds, ETFs and mutual funds. They discuss what's driving the flows, the fees involved, and red flags to look for on these investments. Guest Bio: Bobby Blue is a senior manager research analyst for Morningstar Research Services LLC, a wholly owned subsidiary of Morningstar Inc. He covers multi-asset and alternative fund strategies, and writes frequently on topics in the space. Before assuming his current role in 2018, Blue was a senior data research analyst on the portfolio analytics and acquisition team at Morningstar, where he worked to develop new data points by incorporating derivatives into Morningstar analytics. He earned a bachelor's degree in business economics from the University of Cincinnati.

In today's episode, Morningstar Inc's Dr. Danielle Labotka, behavioral scientist, and Sam Lamas, senior behavioral researcher, explore the emotions around asking for help with money.

In today's episode, Morningstar Inc's Sam Lamas, senior behavioral researcher, and Dr. Danielle Labotka, behavioral scientist, discuss the importance of setting expectations on both sides.

In today's episode, Tom Lauricella, Morningstar Inc's chief markets editor and Smart Investor newsletter editor, talks about the hype versus reality in the AI boom and the optimism about a soft landing.  Timestamps00:00 Introduction00:31 The Fed Holds Rates Steady01:39 Bank Failures02:31 Jerome Powell's Thoughts On Inflation03:26 Outlook For Interest Rate Cuts04:25 Are We in a Bull Market?05:20 Concentrated Stock Markets07:08 AI and the Stock Market Rally 08:13 Look Under the AI Hood09:04 Bonds in 202310:24 Bond Investors Looking for High Yields11:35 Market Takeaways for 2023 Read about topics from this episode.  May CPI Report Suggests Inflation Is Turning a Corner https://www.morningstar.com/markets/may-cpi-report-suggests-inflation-is-turning-cornerStrong May Jobs Report Shows Any Recession is Still Out on the Horizon https://www.morningstar.com/markets/strong-may-jobs-report-shows-any-recession-is-still-out-horizonFed Meeting Preview: Will Powell Unveil a Rate-Hike Pause or a ‘Skip'? https://www.morningstar.com/markets/fed-meeting-preview-will-powell-unveil-rate-hike-pause-or-skipU.S. Stock Market Outlook: June 2023 https://www.morningstar.com/markets/us-stock-market-outlook-june-20235 Charts On the Super Concentrated Stock Market https://www.morningstar.com/markets/5-charts-about-super-concentrated-stock-marketWhat Is Bitcoin Worth? https://www.morningstar.com/alternative-investments/what-is-bitcoin-worthBlackRock's Rieder: Grab High Yields on Super-Safe Bonds While You Can https://www.morningstar.com/markets/blackrocks-rieder-grab-high-yields-super-safe-bonds-while-you-canRegulatory Limbo Likely for Coinbase as SEC Brings Charges https://www.morningstar.com/stocks/sec-brings-charges-against-coinbase  What to watch from Morningstar.Gain From the Weight-Loss Trend With These Stocks https://youtu.be/MwxQTNZ2L5wDouble Trouble: How the Dot-Com and Tech Bubbles Compare https://youtu.be/4_mP4nftQssWhat to Do as Recession Fears Grip Investors https://youtu.be/F-hCrdpxWKIJust Where's the U.S. Economy Headed? https://youtu.be/IiZGjhUcPoE  Read what our team is writing:Ivanna Hampton https://www.morningstar.com/authors/2399/ivanna-hamptonTom Lauricella https://www.morningstar.com/authors/1953/tom-lauricella Follow us on social media.Ivanna Hampton on Twitter: @IvannaHamptonFacebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Howard Yaruss, professor at New York University and the author of 'Understandable Economics' says that while the stock market is up sharply this year, 'this is not a stock market on fire, this is a stock market 15 percent below it's peak.' The year's increase has been mostly due to a few technology/artificial-intelligence companies, but he does not believe the AI business is setting up a new bubble/crash, because their valuations haven't approached unreasonable; Yaruss also noted that he thinks the Fed will hold off on raising rates this month to see if inflation continues its slow decline. Also on the show,  Jeff Ptak, chief ratings officer at Morningstar Inc., goes 'Off The News' on his research that showed that certain tactical asset allocation funds were much worse for investors than simply buying-and-holding a static portfolio, David Trainer of New Constructs issues a warning for the entire stock market over the coming earnings season, and Chuck explores the weird financial news.

In today's episode, Russ Kinnel, director of manager research for Morningstar Research Services, and Tom Lauricella, chief markets editor for Morningstar Inc., discuss several conference themes, including the banking crisis, bonds, and growth stocks.What was the overall sentiment about the markets and risks of a recession? Highlights from PIMCO's Dan Ivascyn's viewpoint on bonds Growth stocks outlook Insights from Schwab's Liz Ann Sonders on global challenges' impacting marketsTakeaways from Former U.S. Treasury Secretary Larry Summers on banking crisis, soft landing, and debt ceiling debate International stocks outlook Highlights from NYU finance professor Aswath Damodaran on ESG and calls for improvement Lessons from dot-com bubble and financial crisis that could apply today What themes emerged from the conference?What surprised you at the conference this year?  Read about topics from this episode.  When Will the Fed Start Cutting Interest Rates?Climate Tech Opportunities Attract Investors Should You Be Worried About the Health of Social Security? Don't Fight the Fed Social Security Planning for Married Couples What's Ahead for Vanguard in 2023 7 Cheap EV Supply Chain Stocks What's Ahead for BlackRock in 2023   What to watch from Morningstar.Planning to Retire Soon? Flexibility and Spending CountWhere Can the Automotive Industry Go From Here?: Part TwoWhere Can the Automotive Industry Go From Here?: Part OneHow Do Vanguard's Target-Date Funds Stack Up?  Read what our team is writing:Ivanna HamptonTom LauricellaRussel Kinnel  Follow us on social media.Russel Kinnel on Twitter: @RussKinnelIvanna Hampton on Twitter: @IvannaHamptonFacebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

In today's episode, Leslie Norton, Morningstar Inc's editorial director for sustainability, talks about Earth Day 2023 and sustainable investing.  JPMorgan Chase's Profits Look StrongDelta's Soaring Operating CostsWarner Bros. Releasing “Max”Investment in Climate TechThe Inflation Reduction Act and Greenhouse Gas EmissionsCarbon Tech's Record-Breaking YearTough Market Climate for Climate TechWhat Should Investors Know About Sustainable Investing and Earth Day?Earth Day 2023 coverage on Morningstar.com  Can You Retire Soon? Read about topics from this episode.  JPMorgan Beats Earnings, Grows Deposits, and Raises Revenue Outlook.Warner Bros. Discovery's Has In-Line End to 2022 Delta Earnings: Postpandemic Wanderlust and Pinched Capacity Offer a Rare Opportunity for AirlinesEarth Day 2023: 3 Food and Agriculture Stocks to Add to Your Shopping Basket  Earth Day 2023: Can't Plant a Tree? These 2 Lumber Stocks Score High on Sustainability  Earth Day 2023: 6 Top-Rated Funds From Sustainable-Investing Pioneers  Earth Day 2023: What to Know About Carbon-Capture Technologies How Worried Should New Retirees Be About Market Losses and High Inflation?What's a Safe Withdrawal Rate Today? What to watch from Morningstar.Where Can the Automotive Industry Go From Here?: Part Two Where Can the Automotive Industry Go From Here?: Part OneHow Do Vanguard's Target-Date Funds Stack Up?Why the Nasdaq 100 Isn't a Particularly Good Investment  Read what our team is writing:Ivanna HamptonLeslie Norton  Follow us on social media.Leslie Norton on Twitter: @leslienortonnycIvanna Hampton on Twitter: @IvannaHamptonFacebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

In today's episode, Allie McCallion and Charity Blue, members of Morningstar Inc's sustainability team, discuss pay equity and three undervalued companies that are leading the charge. Timestamps00:00 Introduction00:27 Broadcom rides AI wave01:41 Costco shows resilience02:15 Eli Lilly cuts insulin costs03:55 Morningstar's internal sustainability team joins Investing Insights to discuss Equal Pay Day04:29 Where do women's earnings in the U.S. stand compared to men?05:30 What has research shown when companies practice pay equity?06:16 What did your team look for when they reviewed pay equity practices among big U.S. companies?07:06 3 Undervalued Stocks That Stress Equal Pay11:35 Should You Buy Stocks or a 4% CD?Read about topics from this episode.Broadcom Riding AI Wave to Robust Networking Sales in 2023; Raising FVE to $640 Per Sharehttps://www.morningstar.com/stocks/xnas/avgo/quoteCostco's Resilience Proves Its Ongoing Relevance and Brand Strength; Shares Fairly Valuedhttps://www.morningstar.com/stocks/xnas/cost/quoteEli Lilly's Insulin Price Cut Should Address Government's Critical Eye; but no Impact on FVEhttps://www.morningstar.com/stocks/xnys/lly/quote3 Stocks That Stress Equal Pay as We Observe International Women's Dayhttps://www.morningstar.com/articles/1141925/3-stocks-that-stress-equal-pay-as-we-observe-international-womens-dayRead what our team is writing:Allie McCallion https://www.morningstar.com/authors/2642/allie-mccallionCharity Blue https://www.morningstar.com/authors/2662/charity-blueChristine Benz  https://www.morningstar.com/authors/30/christine-benzSusan Dziubinski https://www.morningstar.com/authors/12/susan-dziubinskiFollow us on social media.Ivanna Hampton on Twitter: @ivannahampton Christine Benz on Twitter: @Christine_Benz Facebook: https://www.facebook.com/MorningstarInc/    Twitter: https://twitter.com/MorningstarInc    Instagram: https://www.instagram.com/morningstarinc/  LinkedIn: https://www.linkedin.com/company/5161/    

In today's episode, Jakir Hossain, a data journalist for Morningstar Inc., talks about the AI-powered chatbot, ChatGPT, and where to look for AI investing opportunities. Timestamps00:06 Introduction 00:31 Berkshire Hathaway's rocky results01:24 Domino's trims sales growth outlook02:20 Intel cuts quarterly dividend03:53 What ChatGPT is and how does it work?04:39 What do Morningstar analysts say about how Google and Microsoft are planning to use chatbots?06:17 Companies like Salesforce and Adobe, they're also using AI. Can you describe how they're doing it?08:13 Artificial intelligence has been around for some time. What are some thoughts within Morningstar about this new phase of AI??09:34 What do Morningstar analysts say about how to take advantage of AI technology right now?13:14 How IRA Investors Can Avoid the 'Procrastination Penalty'     Read about topics from this episode. Berkshire Hathaway Shows Solid Operating Results Offsetting Unrealized Losses From InvestmentsIntel's Dividend Cut Frees Up Cash, but Execution Risk Remains PalpableHow to Invest in the Right AI StocksHow IRA Investors Can Avoid the ‘Procrastination Penalty'What to watch from Morningstar.Should You Fund Your 401(k) First or Your IRA?With IRA Deadline Looming, Don't Make These Mistakes Could Meta Make a Comeback? How Secure Act. 2.0 Changes RMD Rules  Read what our team is writing:Jakir HossainChristine Benz Follow us on social media.Ivanna Hampton on Twitter: @ivannahamptonJakir Hossain on Twitter: @JakirMHossainChristine Benz on Twitter: @Christine_BenzFacebook: https://www.facebook.com/MorningstarInc/   Twitter: https://twitter.com/MorningstarInc   Instagram: https://www.instagram.com/morningstarinc/ LinkedIn: https://www.linkedin.com/company/5161/   

In today's episode, Keith Reid-Cleveland, an editor at Morningstar Inc., discusses Morningstar's research on the racial wealth gap and a proposal to help close it known as baby bonds.Timestamps00:06 Introduction00:36 Disney CEO Bob Iger Plans to Cut Billions01:49 Uber's Total Revenue Soars02:39 PayPal Faces Tough Environment03:34 AbbVie's Long-Term Outlook04:36 America's Racial Wealth Gap and How to Shrink It04:59 What has research shown about wage disparities when households are compared? 05:49 How are savings rates affected? 06:29 What's the impact on building a nest egg? 06:59 What are some thoughts on building financial security through homeownership? 08:00 How could baby bonds help close the racial wealth gap? 09:15 6 IRA Mistakes to Avoid    Read about topics from this episode.Disney Reports Decent Earnings With Iger Already Reapplying His StampUber Reports Impressive Q4; Strong 2023 Growth ExpectedPayPal Remains a Unique Player in PaymentsAbbVie Posts Solid Q4, but Competitive Pressures to Limit Long-Term Growth11 Charts Examining Racial Wealth Gap What to watch from Morningstar.Could Meta Make a Comeback?How Secure Act 2.0 Changes RMD RulesShould You Buy a House Right Now?Big Banks Bracing for a Recession   Read what our team is writing:Keith Reid-ClevelandChristine BenzSusan DziubinskiFollow us on social media.Ivanna Hampton on Twitter: @IvannaHampton Christine Benz on Twitter: @Christine_Benz Facebook: https://www.facebook.com/MorningstarInc/  Twitter: https://twitter.com/MorningstarInc  Instagram: https://www.instagram.com/morningstar...  LinkedIn: https://www.linkedin.com/company/5161/ 

Inspired by a Twitter showdown about ESG investing, Jeff and Bruce seek more information from Adam Fleck, director of equity research for ESG at Morningstar Research Services. The guys dive deep to better understand the landscape of ESG investing and how we can get past the political challenges.Guest Bio: Adam Fleck is the director of equity research, ESG for Morningstar Research Services LLC, a wholly owned subsidiary of Morningstar Inc. He leads Morningstar's environmental, social and governance equity research efforts, including collaboration with Sustainalytics, along with a team of analysts in Chicago and Amsterdam.Before assuming his current role, Fleck was Morningstar's regional director of equity research in Australia and New Zealand and director of North American consumer equity research. He joined Morningstar in 2006.Fleck holds a bachelor's degree in business administration from the University of Notre Dame, where he graduated cum laude. He also holds the Chartered Financial Analyst® designation.

In this two-part episode, Sarah Newcomb, director of financial psychology for Morningstar Inc, explains how to rethink budgeting, overcome overspending, and stop fighting about money. Timestamps00:04 Introduction00:37 What kind of financial habits or histories do people tend to bring into their relationships?02:30 How do couples mesh their financial lives without fighting about saving or spending?04:36 Why do emotions rise when couples talk about money?05:36 What should people pay attention to if they feel themselves getting upset about someone else's financial habits?06:57 What are steps couples can take to understand each other?09:33 We've talked about rethinking budgeting, overcoming overspending, and how to avoid arguing over money. What's your advice to our audience if they experience a setback or win?  Read about topics from this episode.  Hate Budgeting? Try Rethinking It. Got the Urge to Splurge? 4 Steps to Overcome Your Overspending Habit How to Avoid Arguing Over Money By Sarah Newcomb  What to watch from Morningstar.Top Retail Stocks on Sale This Holiday SeasonShould You Buy Dividend Stocks in a Recession?Retiring Soon? Make Sure to Check Your Asset AllocationCheap Stocks For You to Consider Read what our team is writing:Sarah Newcomb https://www.morningstar.com/authors/1951/sarah-newcomb Follow us on social media.Ivanna Hampton on Twitter: @IvannaHamptonSarah Newcomb on Twitter: @finance_therapyFacebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

In this two-part episode, Sarah Newcomb, director of financial psychology for Morningstar Inc, explains how to rethink budgeting, overcome overspending, and stop fighting about money. 00:04 Introduction00:43 Financial advice tends to tell people to break down their budgets into “wants versus needs”. What are your thoughts on this concept?02:55 How should we think about our needs? What should we include? (basic categories from Maslow: survival, security, love and belonging, esteem, and meaning)04:04 You've written that “our wants point to needs.” Can you explain that?05:14 How should we rethink budgeting if we don't follow needs versus wants?08:04 What are some ways to identify possible strategies to meet a need and save money?08:53 We know now how to meet our needs through strategies. What should people do if they tend to overspend?11:01 How do we identify the emotion that's driving the urge to spend too much?12:14 Now, that the emotion is known, what do we do next?  Read about topics from this episode.  Hate Budgeting? Try Rethinking It. Got the Urge to Splurge? 4 Steps to Overcome Your Overspending Habit How to Avoid Arguing Over Money By Sarah Newcomb  What to watch from Morningstar.Top Retail Stocks on Sale This Holiday SeasonShould You Buy Dividend Stocks in a Recession?Retiring Soon? Make Sure to Check Your Asset AllocationCheap Stocks For You to Consider Read what our team is writing:Sarah Newcomb https://www.morningstar.com/authors/1951/sarah-newcomb Follow us on social media.Ivanna Hampton on Twitter: @IvannaHamptonSarah Newcomb on Twitter: @finance_therapyFacebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

Bruce and Jeff ring in 2023 with their guest Charles Rowlan, senior vice president of business development at Advyzon. They discuss Charles' extensive research on the ever-evolving advisor fee model. Guest Bio:Charles (Chuck) Rowlan is a senior vice president of business development for Advyzon.  In his current role, Chuck works to promote, implement, and sell Advyzon's comprehensive solution for registered investment advisors across a 16 state region.Previously he held various positions within Morningstar Investment Management and Morningstar Inc.  During this time Chuck spent time working with Morningstar's TAMP, 401k managed accounts, fiduciary services and also worked closely with Morningstar's software tools including Morningstar DirectSM and Morningstar OfficeSM.  Prior to joining Morningstar, he was a financial advisor at Wells Fargo Advisors. He has over fifteen years of investment industry experience.Chuck holds a bachelor's degree in Finance from Baylor University and the CERTIFIED FINANCIAL PLANNERTM designation as well as the CERTIFIED INVESTMENT MANAGEMENT ANALYST® designation.

In today's episode, Tom Lauricella, Morningstar Inc.'s chief markets editor, discusses the markets' highs and lows in 2022 and what investors should watch for in 2023. Timestamps00:04 Introduction00:31 What's Morningstar's take on what's been driving inflation?02:18 What would it take to push inflation down to the Fed's 2-percent target? 03:22 What categories of inflation have the Fed focused on?04:38 How does wage growth factor into the Fed's moves next year?05:38 What has happened this year with bonds?06:38 What has the plunge in bonds meant for investors' portfolios?07:47 How should investors think about bonds in 2023?08:51 Can you describe what hit tech so hard?10:20 What will it take for a tech rebound?11:30 Crypto started 2022 riding high 12:27 What are the lessons from crypto's implosion?14:16 What should investors watch for in 2023?  Read about topics from this episode.  A New Crisis: What's Happened in Crypto Now?4 Lessons From Crypto's Implosion5 Charts on Big Tech Stocks' CollapseThe Worst Bond Market EverWhere to Invest in Bonds in 2023 The Fed and Markets Have Different Outlooks. Which One Will be Right?Fed Raises Rates Again, With a Focus on Talking Tough What to watch from Morningstar.RMD Sticker Shock? How to Ease Your Tax BurdenTop Retail Stocks on Sale This Holiday SeasonShould You Buy Dividend Stocks in a Recession?Retiring Soon? Make Sure to Check Your Asset AllocationCheap Stocks For You to Consider Read what our team is writing:Tom Lauricella https://www.morningstar.com/authors/1953/tom-lauricella Follow us on social media.Ivanna Hampton on Twitter: @IvannaHamptonTom Lauricella on Twitter: @LauricellaTomFacebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

In part 2 of 2 Michelle lays out her proposal for revamping the web of state and federals rules and laws to make in-plan annuities a vibrant market in the future. Here's the full text of her discussion: Heads up to SOA, NAIFA, IRI, any other industry group- mark this moment as the point where contacts you have at these organizations should start listening. Big bold assertion #1: Non-codification of verb sales in insurance means that intellectual property (inventions) can't have value in insurance Why is this true?  Assertion 2. The above-mentioned fact (Ip can't have value in insurance) is true because of the intersection between how products sell and how trademark law works. I will explain further in a moment. Assertion 3. IP having value is fundamental to the functioning of capitalism. Assertion 4. In a demutualized world where insurance manufacturing is now entirely vertically disintegrated from distribution, IP can only come to have value by codifying insurance advisement as a scalable, oversee-able, nationally regulated discipline So we are proving assertion 1- IP has no value in my domain- by proving assertions 2-4 So let's start with assertion 2 part 1: how do products sell. To understand this, we need first to define both the word “product” and then the word “sell.” Products are nouns. In the context of insurance and financial services, products are issuable containers, and their distribution is highly regulated. Products are issuable legal contracts within which IP can be embedded, and in exchange for the distribution of which compensation can be paid to an FP in respect of either, but never concurrently, a or b. A is from inside the noun in direct respect to sale thereof (this refers to agency and brokerage) whereas b is charged upon the AUA/AUM thereformed following a product's intro into an advised portfolio (b refers to RIA channel). Now that we know what product means, we move on to sell. Sell means the exchange of remuneration in direct respect to [x- x is a verb in the RIA channel and it's a noun in the agent/broker channels]. Wholesalers are people who so routinely sell wholes that we can describe their identity by putting an r at the end of the verb that they routinely perform. (By analogy, runners routinely run, we don't call someone a runner who once ran across the street) All wholes are nouns. The human mind cannot conceive of a whole verb. So wholesalers sell nouns, and nouns sell when they have wholesalers selling them. Wholesalers work for either a noun manufacturer, or a noun seller. An organization that sells nouns will not switch which noun it has its wholesalers focused on selling unless the new noun is more profitable than is the incumbent noun portfolio. A product concept thus cannot have value, because what is valuable about the product/noun is the seller's prior investment in manufacturing and/or wholesaling infrastructure., not clever IP that does not have higher profit margins than does the incumbent product set. Now we define the second half of assertion 2, which is about trademarking. Trademark (the application of which differs for IP protection relative to much easier to defend in court brand/name protection)- in this case I'm talking IP protection- requires that the IP be noun-embeddable, whereas servicemarked requires the IP to be verb embedable. If you google “trademark definition”, when applied to IP defense as opposed to brand defense, you too will become aware that the definition of this word requires the IP owner to be able to either manufacture or to sell (remember what sell means from above!) the noun. Insurance provides for minimization of liabilities (or contra-assets). Insurance advisor is not a defined term. Financial advisor is defined, and it means person who holds the authority to sell verbs (person who has an RIA affiliation, which means they can sell verbs. RIAs sell verbs only. Agents and brokers sell nouns only.) Financial advisors provide ongoing asset maximization advising and they frequently receive their compensation by advising upon, and thus billing upon, AUM accordingly. This asset max advising is a service. IP embedded in Services, for example, the managed account services provided by Morningstar Inc, are servicemarkable, thus they have been servicemarked, not trademarkable, because they're verbs (services), not nouns. Absent codifying insurance advisement so that insurance professionals can also sell verbs, by which i am saying: Absent popularizing a billing approach like benefits under advisement or income under advisement, there can't be value to intellectual property in our field, because you can't defend it via servicemark (because there's no framework for scalably selling services in our domain) and you can't sell it as a noun because an organization can only monetize a trademark in insurance from previous investment in manufacturing and distribution. an incumbent will only do this if the new product has higher expected profit margins than does its existing portfolio. Not likely in today's fee conscious environment) So again, because my prior words are true, Not having a scalable advisement frame for liability reduction means intellectual property that is servicemarked in our field also cannot have value, because it can't be sold (to sell again means to exchange remuneration in direct respect to x. Non-codification of insurance advisement means we can't scalably sell verbs in insurance). So concludes my proof of assertion #2, that IP can't have value in my field. Assertion 3: The impossibility of IP having value in my field is an offense about which utter outrage is merited. It is a direct affront to the very principles of capitalism. Capitalism as a governing frame relies heavily upon IP being protectable and monetizable so as to encourage invention. Thus I question: Why is mine the sole field in this country to which capitalism is not permitted to apply, and why are other members of my community not apoplectic about my potentially true words? Consider the implications that not codifying verb sales in my domain has now that post-SECURE, annuities are permitted in plans. Plan advisors, like all other fiduciaries in America, are inherently taught that asset maximization is the only valid lens through which financial advisement can occur. Yet i believe that consumer financials occur not only on the left side of the consumer balance sheet, but also on their income statement, their statement of net worth, their cash flow statement, and the right side of balance sheet, which is where insurance plays. Plan advisors don't know annuities and vice versa. Advisers can't begin to imagine why we insurance people believe our solutions have value, because they are taught to see the world through the lens of asset maximization and are not taught about liability minimization as a valid entry point to a consumer finance worldview. Annuities in DC will only take off if we band together to fight for their place. Actuaries used to have a role in asset liability matching when we as a society had DB plans. There isn't a natural spot for an actuary in DC plans because liability consideration is not yet required so as to advise in DC, because DC, which relies on AUM as a billing base, even though ERISA includes the words “Retirement Income” in the acronym, naturally emphasizes asset maximization. Why not IUA? The Society of Actuaries, NAIFA and IRI must all strongly consider the possibility that my words might be true, and if they feel they might be, they need to begin acting yesterday. Representatives of any of these industry organizations, or other industry organizations that can help change what I believe to be the true circumstances that i have just described to you are invited to email me at mrichterfis@gmail.com and request a deck that further explains my perspective and the dangers to both our industry and our society more broadly that follow logically therefrom. Lastly for this diatribe, I hold that Insurance advisement should be a National field (since it is not about noun placement but about contextual advisement, it is not per se corollated to an individual contract the way some state insurance law allows annuity consulting to occur, thus the field would not make sense to be state regulated) it should be policed similarly to how RIAs are overseen.  To achieve this framework is my career goal. 27 years remain until I begin taking social security at age 70. It thus follows logically that I will not stop truthfully communicating my concerns on these matters for at least 27 more years (unless they're resolved in less time than that). Thank you for your patience both in allowing me to read that today, and in helping me along in my communicative journey towards hopefully making this point understandable to at least a few people! 

In this episode of Occupied Thoughts, FMEP's Lara Friedman speaks to international legal expert in business and human rights Tara Van Ho about the current controversy involving the Chicago-based financial services company Morningstar Inc. and its subsidiary Sustainalytics, over how it deals with Israel and the Occupied Palestinian territories. Specifically, the podcast explores Morningstar's recently adopted policy changes with respect to environmental, social, and governance (ESG) issues in the context of Israel, and the questions these new policies raise both about the company's basic competence with respect to human rights in ESG research, analysis, and recommendations, and about the broader implications for the future of business and human rights work writ large. Podcast notes/further resources: https://fmep.org/?post_type=resource&p=24876&preview=true

184: Excelling at Team Development as a Nonprofit Leader (Liz Brigham)SUMMARYIs the synergy of your team firing on all cylinders? Do you make time for an intentional pause, to first look back at what got you to where you are and what it will take to get you to that next level? Liz Brigham of the Jay Hurt Hub for Innovation & Entrepreneurship at Davidson College answers these questions and more in episode #184 of Your Path to Nonprofit Leadership. Liz shares vast experience from her professional journey and work with students and entrepreneurs throughout the region. You'll learn vital tips for proper self-care, time management, and organization that will keep you and your team at the top of their game. Liz also discusses three pillars for team development and growth: entrepreneurship, innovation and design thinking and how they affect the recruitment and retention of new and existing talent.ABOUT LIZElizabeth “Liz” Brigham serves as the Director of Innovation & Entrepreneurship at the Jay Hurt Hub for Innovation and Entrepreneurship at Davidson College. Prior to taking this role she was the Head of Product, Morningstar Direct & Reporting Solutions Software, for Morningstar Inc. in Chicago. Before leading these commercial business lines, she scaled and led the Product Marketing organization for Morningstar's roughly $400M global software portfolio. While in that role, she was recognized as the Product Marketing Leader of the Year in 2019 by the Global Product Marketing Alliance. Before joining Morningstar, Brigham led product management and marketing teams at enterprise technology start-ups in Chicago and at public companies, such as Jive Software and Walt Disney Parks & Resorts. Brigham is a self-proclaimed “Davidson College Groupie” and has served on the Board of Visitors, Alumni Association Board, was recognized with the Davidson Alumni Service award in 2019. She is also a mentor and board member for LaunchCLT, plays the piano and acoustic guitar, and dreams of building a family band with her young sons and husband. Brigham holds a B.A. in English, cum laude, from Davidson College and an MBA, with Distinction, in corporate strategy and marketing from the Ross School of Business at the University of Michigan.EPISODE TOPICS & RESOURCESThe Culture Code: Secrets of Highly Successful Groups by Daniel CoyleLearn more about Liz and The HURT Hub @ DavidsonTake our Podcast Survey and let us know what you want to hear!SCORE, Charlotte Regional Business Alliance, US Economic Development AdministrationMore on OKR'sGet your copy of Patton's Your Path to Nonprofit Leadership: Seven Keys to Advancing Your Career in the Philanthropic Secto

In today's episode, Katherine Lynch, a Morningstar Inc's data journalist, talks about the new I Bonds' interest rate, how the investments work, and how to use them as an emergency fund.Investing Insights is bringing you a mix of market news, insights from analysts, and personal finance tips.Timestamps0:06 Introduction 00:39 Meta's Disappointing in Q3 Earnings01:50 0Amazon Delivered a Sting02:58 Apple is Eating Up Earnings04:23 How do I-bonds work? 04:41 What should investors expect over the next six months? 05:07 I-bonds come with some limitations. What are those? 05:25 How can someone use I-bonds as an emergency fund? 05:48 How can I-bonds help save parents some money?05:59 Where can investors buy I-bonds?06:11 What Belongs on Your Preretirement Radar? Read about topics from this episode.  Slashing Meta's Stock Fair Value Estimate to $260 From $346 https://www.morningstar.com/articles/1120902 Apple Reports Strong Earnings, but Stock Still Overvalued https://www.morningstar.com/articles/1121415 Cutting Amazon Stock's Fair Value Estimate to $150 From $192 on Disappointing Q3 Earnings https://www.morningstar.com/articles/1121414 How to Hedge Against Inflation Using I Bonds https://www.morningstar.com/articles/1093977 A Down-Market Survival Guide for Retirees https://www.morningstar.com/articles/943447 Get a Tax-Smart Plan for In-Retirement Withdrawals https://www.morningstar.com/articles/844815 Read what our team is writing:Katherine Lynch https://www.morningstar.com/authors/2337/katherine-lynchChristine Benz https://www.morningstar.com/authors/30/christine-benzIvanna Hampton https://www.morningstar.com/authors/2399/ivanna-hamptonFollow us on social media.Ivanna Hampton on Twitter: @IvannaHamptonChristine Benz on Twitter: @Christine_BenzSarah Newcomb on LinkedIn: https://www.linkedin.com/in/sarahcnewcombFacebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

In today's episode, Sarah Newcomb, Morningstar Inc's director of financial psychology, explains what investors should know about sophisticated online tricks and what to watch out for.Investing Insights is bringing you a mix of market news, insights from analysts, and personal finance tips.0:06 Introduction 0:45 Tesla was on autopilot in the third quarter.1:46 AT&T is strong in Q3.2:42 Snap disappoints for the third quarter in a row.3:38 In behavioral finance, there are “nudges” and “sludges”. Can you define those?4:29 How do we see “nudges” and “sludges” at work in our lives?6:02 What are dark patterns? What are some that we should watch out for?7:17 What do “dark patterns” look like in financial products?10:38 Is the Time Right for Annuities? Read about topics from this episode.  What Investors Should Know About Behavioral Tricks in Financial Products What Tesla Stock's 50% Decline Means for the Market Is AT&T Stock a Buy Ahead of Earnings? Snap Earnings Disappoint for Third Consecutive Quarter Your Guide to Annuities Understanding the 4 Key Annuities Types Read what our team is writing:Sarah NewcombChristine BenzSusan DziubinskiIvanna HamptonFollow us on social media.Ivanna Hampton on Twitter: @IvannaHamptonChristine Benz on Twitter: @Christine_BenzSarah Newcomb on Twitter: @finance_therapySarah Newcomb on LinkedIn: https://www.linkedin.com/in/sarahcnewcombFacebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/ 

Willie Delwiche, investment strategist at All Star Charts, says that he does not believe investors will be rewarded for "being early to buy the dip," warning that changing market conditions make it that waiting in cash to see more discernible trends will avoid losses and sidestep volatility while still allowing for upside potential once it becomes clear that the tide is turning. "The more cash you have on the sidelines" Delwiche says, "the better you're feeling about your position." Today's show also features the return of Wade Pfau, professor of retirement income at The American College of Financial Services, who is back to answer listener questions about the use of reverse mortgages, especially given current interest rate and market conditions, plus Maria Szatkowski of MyVision.org discusses the site's recent survey on medical procrastination caused by inflation plus the acceptance of telehealth and whether it helps to break the logjam, and we revisit a recent wide-ranging conversation with Christine Benz, director of personal finance and retirement planning at Morningstar Inc., in which she coins the term "index-fund abuse" and discusses the difference between making a portfolio and investment strategy recession-proof versus inflation-proof.

Christine Benz, director of personal finance and retirement planning for Morningstar Inc., says that recession-proofing your portfolio and making it inflation-resistant requires different actions, but the biggest similarity to both processes is that investors need a plan that they can ride out until conditions improve. She notes that flip-flopping on strategy -- more than following flawed strategies -- leads investors astray. Also on the show,  Greg McBride, chief financial analyst at BankRate.com, talks about how the mortgage market and banking industry are responding to rising interest rates, noting that mortgage refinancing applications have hit their lowest level in more than two decades, and that savings yields have improved in the financial sector's response to the rising-rate, high-inflation environment. And in the Market Call, Francisco Bido, senior portfolio manager at F/m Acceleration, talks about his firm's quant-active strategy and how he mixes the art and science to deal with a market that has little or no momentum going for it.

Join America's Roundtable Radio co-hosts Natasha Srdoc and Joel Anand Samy in a recent conversation with Arizona's State Treasurer Kimberly Yee focusing on her leadership role in countering the dangerous anti-Israel BDS (Boycott, Sanctions, and Divestment) movement. The conversation highlights the rise of anti-Semitism and how principled leaders across America are calling for principled actions against the BDS movement—a hateful campaign designed to delegitimize Israel and Jewish communities in America and around the world. Arizona State Treasurer Kimberly Yee put investment firm Morningstar on notice and stated that it violated the state's anti-BDS law. The Jewish Insider | Morningstar ESG rating system violates Arizona anti-BDS law, treasurer says (https://jewishinsider.com/2022/08/arizona-kimberly-lee-morningstar-esg-sustainalytics/) “As Treasurer, it is my duty to ensure that Arizona does not do business with companies that are attempting to undermine Israel's economy and violate Arizona's anti-BDS law,” said Arizona Treasurer Kimberly Yee. “Morningstar's ESG rating subsidiary, Sustainalytics, appears to violate Arizona law by negatively impacting ratings of companies doing business in Israel. I continue to strongly oppose the use of woke ESG ratings in order to keep politics out of Arizonan's livelihoods and retirement accounts.” In Treasurer Yee's letter to Kunal Kapoor, CEO of Morningstar Inc., she informed Kapoor that the company had 30 days within receipt of her letter sent on August 18, 2022, to provide written certification explaining how Morningstar's usage of ESG ratings does not violate Arizona's anti-BDS law. Further, Treasurer Yee required that Morningstar must provide a written averment that they will not engage in any future boycott activities against Israel. “As Arizona's Chief Banking and Investment Officer, I stand with Israel, and I will not allow taxpayer dollars to become victim to the woke political gamesmanship of ESG ratings. ESG ratings are a political scorecard, not a financial scorecard,” said Arizona Treasurer Kimberly Yee. “I will not allow companies to promote policies that are antisemitic and discriminatory efforts against Israel, which is America's longtime friend and ally, and a significant trade partner with Arizona.” Treasurer Kimberly and Arizona's state government have stood in support of Israel's sovereignty and thwarted efforts of American companies working to boycott Israel. Last year in September 2021, Treasurer Yee withdrew $143 million of Arizona's public funds from Unilever, the parent company of Ben and Jerry's over the ice cream firm's decision to cease sales in Judea and Samaria also known as the West Bank, and east Jerusalem. A published report stated (https://www.foxbusiness.com/politics/arizonas-state-treasurer-divests-funds-ben-jerrys-anti-semitic-boycott-israel) — "Arizona will not do business with companies that are attempting to undermine Israel's economy and blatantly disregarding Arizona's law," said Treasurer Kimberly Yee. Further reading: —Arizona Treasurer Kimberly Yee and 17 Other State Financial Officers Sign a Letter Urging Morningstar Inc. to Terminate all Research and ESG Rating Products that have an Anti-Israel Bias (https://www.aztreasury.gov/_files/ugd/88330d_f76d931e0e12413d9eee8a4c3202f9f7.pdf) —Arizona Treasurer Kimberly Yee Notifies Morningstar Inc. that their ESG Rating System Violates Arizona's Anti-BDS Law (https://www.aztreasury.gov/_files/ugd/88330d_be269a9c499c4a0cbe41958eb393789f.pdf) —Jewish News Syndicate | Arizona treasurer says investment firm Morningstar violates state anti-BDS law (https://www.jns.org/arizona-treasurer-says-investment-firm-morningstar-violates-state-anti-bds-law/) Bio | Kimberly Yee (https://www.aztreasury.gov/treasurer-kimberly-yee) Kimberly Yee is the State Treasurer of Arizona. She is Arizona's chief banking and investment officer and oversees the cash management of Arizona's $53 billion state budget and payments to agencies, local governments and schools. Upon taking office in January 2019, assets under management were at $15.4 billion. Today, assets under management stand at over $30.2 billion, an increase of 96 percent in 42 months. The Arizona Permanent Land Endowment Trust Fund has also hit historic record highs increasing by $1.9 billion in value under Treasurer Yee's administration as of June 30, 2022. Voluntary deposits into the Local Government Investment Pool have also increased by 75.4 percent under Treasurer Yee's leadership, reaching a balance of $5.54 billion in total assets as of June 30, 2022. Treasurer Yee led the effort to pass a state law requiring students to have financial education in high school before graduation, and was the first State Treasurer to have visited all 15 counties in Arizona during the first year of her administration. Treasurer Yee is the Chairman of the Arizona Board of Investment and State Loan Commission and is a member of the State Land Selection Board. She also serves as Chairman of the Financial Literacy Task Force, Arizona's first-ever statewide body dedicated to advancing personal money management and financial awareness for students, senior citizens, military families and vulnerable populations. Kimberly served as Senate Majority Leader and became the second woman elected to this position in Arizona's history, following U.S. Justice Sandra Day O'Connor who served the position in 1973, forty-four years earlier. https://ileaderssummit.org/services/americas-roundtable-radio/ https://ileaderssummit.org/ | https://jerusalemleaderssummit.com/ America's Roundtable on Apple Podcasts: https://podcasts.apple.com/us/podcast/americas-roundtable/id1518878472 Twitter: @KimberlyYeeAZ @ileaderssummit @NatashaSrdoc @JoelAnandUSA @supertalk America's Roundtable is co-hosted by Natasha Srdoc and Joel Anand Samy, co-founders of International Leaders Summit and the Jerusalem Leaders Summit. America's Roundtable from Washington D.C. informs, educates, empowers and challenges the listening audience about the importance to restore, strengthen, and protect our freedoms, the rule of law, and free markets. America's Roundtable advances the ideas of freedom, the significance of freedom of speech, limited government, and the application of free market principles to solve problems. America's Roundtable presents in-depth analysis of current events and public policy issues while applying America's founding principles. America's Roundtable radio program - a strategic initiative of International Leaders Summit, focuses on America's economy, healthcare reform, rule of law, security and trade, and its strategic partnership with rule of law nations around the world. The radio program features high-ranking US administration officials, cabinet members, members of Congress, state government officials, distinguished diplomats, business and media leaders and influential thinkers from around the world. America's Roundtable is aired by Lanser Broadcasting Corporation on 96.5 FM and 98.9 FM, covering Michigan's major market and the upper Midwest, SuperTalk Mississippi Media's 12 radio stations and 50 affiliates reaching every county in Mississippi and also heard in parts of the neighboring states, including Alabama, Arkansas, Louisiana and Tennessee, and through podcast on Apple Podcasts and other key online platforms.

Jeff takes the pod solo as he talks to Bobby Blue, senior manager research analyst at Morningstar. Together they tackle liquid alternative funds, ETFs and mutual funds. They discuss what's driving the flows, the fees involved, and red flags to look for on these investments. Related Article: It's not too late to join the liquid alts party, Morningstar saysGuest Bio:Bobby Blue is a senior manager research analyst for Morningstar Research Services LLC, a wholly owned subsidiary of Morningstar Inc. He covers multi-asset and alternative fund strategies, and writes frequently on topics in the space. Before assuming his current role in 2018, Blue was a senior data research analyst on the portfolio analytics and acquisition team at Morningstar, where he worked to develop new data points by incorporating derivatives into Morningstar analytics. He earned a bachelor's degree in business economics from the University of Cincinnati. 

In this week's podcast, Adam Millson from Morningstar Research Services joins Susan Dziubinski from Morningstar Inc to provide tips for finding the best 529 plan, a roundup of the top 3 plans in Morningstar's coverage, and a list of plans to avoid.

26 de octubre | Nueva YorkHola, maricoper. Ayer saqué billetes para ir a España por Navidad. Jamás había visto unos precios tan bestias a estas alturas del año, pero tiene sentido dado que no se abren las fronteras a turistas españoles desde marzo de 2020. Muchos de los que tenemos visados debíamos pedir excepciones a veces difíciles de conseguir para poder visitar a los nuestros. Ahora, todos estamos viajando de golpe. Lo que me reconforta es que todo vuelve a la normalidad. Muy poco a poco, pero vuelve.Bienvenido a La Wikly diaria, una columna de actualidad y dos titulares rápidos para pasar el resto del día bien informado. Si quieres comentar las noticias en nuestra comunidad privada de Discord, puedes entrar rellenando este formulario.Si tienes Instagram y quieres ver contenido exclusivo para suscriptores premium en tus stories (avances, encuestas, anécdotas), haz una captura de esta newsletter tal y como la estás viendo en tu correo, mándanosla por privado a @lawikly y te añadiremos a nuestra lista de mejores amigos de la plataforma:Leer esta newsletter te llevará 6 minutes y 32 segundos.Ni Nest Cam ni pollas, esto. Bienvenido a La Wikly.⛰ Un país perdidoPor Emilio DoménechLo importante: varios vecinos y conservacionistas de Montana se aliaron en 2013 para crear el Área de Patrimonio Nacional del País del Gran Cielo* en uno de los rincones con mayor bagaje histórico del estado. Pero una activista cargada de desinformación decidió entorpecer la iniciativa.* *País del Gran Cielo se traduce como Big Sky Country, uno de los apodos con los que se conoce al estado de Montana.Explícamelo: Para Rae Grulkowski, una empresaria de 56 años, la designación de un área cercana a su hogar como Big Sky Country National Heritage Area no significaba un mayor flujo de dinero desde el gobierno federal o la posibilidad de promover el turismo en una región histórica para el descubrimiento del Oeste norteamericano.* Para Grulkowski, la designación se traduciría en prohibiciones para construir establos, perforar pozos o usar fertilizantes y pesticidas. También alteraría los derechos sobre el agua, daría acceso a los turistas a propiedad privadas y crearía un nuevo distrito fiscal para los vecinos.* ¿El problema? Todo lo que alega Grulkowski es mentira.Contexto: esta historia sale de un reportaje tan fascinante como desesperante de The New York Times en el que vuelve a quedar claro la forma en la que las mentiras se han hecho hueco en todos los ámbitos de la vida pública estadounidense.* Y también de cómo los políticos, especialmente del lado republicano, han decidido seguir el juego de sus constituyentes con tal de luchar guerras culturales que nunca debieron existir.Cuéntame más: en los 80, la administración de Ronald Reagan y el Capitolio crearon las Áreas de Patrimonio Nacional para fomentar la preservación de zonas históricas y emblemáticas de Estados Unidos.* Algunos ejemplos: la región de las históricas fábricas de automóviles en Detroit, los condados colonizados por pioneros mormones en Utah en la conquista del Oeste o la zona de Ohio donde los hermanos Wright desarrollaron sus primeras máquinas voladoras.En Montana, una jubilada del Servicio Forestal federal llamada Jane Weber se alió con conservacionistas para fomentar el turismo y ayudar a conservar una región cercana al río Misuri en la que se asentaron los primeros colonizadores del Oeste.* A lo largo de seis años, organizaron asambleas públicas y se recorrieron el circuito radiofónico de Montana para promover la designación como Área de Patrimonio Nacional.Y entonces llegó Grulkowski, la dueña de una empresa de limpieza de tanques sépticos que había leído que la iniciativa era en realidad un caballo de Troya para que el gobierno federal pudiera expropiar tierras en el futuro.* Con esa premisa, lanzó una campaña de activismo dedicada única y exclusivamente a derrotar el proyecto a base de mentiras propagadas a través de grupos de Facebook y carteles en autovías.¿Cómo? La inventiva y la presión de Grulkowski llegó a convencer a suficientes personas como para que el gobernador republicano del estado, Greg Gianforte (un capullo), firmara una ley para prohibir la creación de Áreas de Patrimonio Nacional en el estado.* En realidad, el estado no tiene potestad para impedirlo, pero menos da una piedra.¿Y ahora? Ni Grulkowski ni sus aliados han sido capaces de explicar de dónde vienen sus alegaciones, pero las creencias de la protagonista de esta historia son una ventana al consumo de teorías de la conspiración de la derecha estadounidense.* Lo cree todo: una red de tráfico de menores controla el sistema político. Black Lives Matter fue responsable del asalto al Capitolio. Naciones Unidas quiere controlar la población mundial y un largo etcétera.El mejor resumen lo ofrece uno de los hombres que ha decidido seguir a Grulkowski hasta el final cuando le piden justificar sus acusaciones sobre lo que significaría designar el Área de Patrimonio Nacional del País del Gran Cielo:“Te dicen: ‘No te preocupes, vamos a hacerlo bien. No te preocupes, cuidaremos de ti. Creo que Adolf Hitler dijo eso también, ¿no? El miedo a lo desconocido es un gran miedo”.Sin duda que lo es. Qué puto miedo da todo esto.Más información en The New York Times.

Welcome to the show! I've got a great episode for you today.  My guest on the show is Peter Esho who I've had the pleasure of knowing for several years.  Peter has been a client of mine and he is truly one of the best communicators I know. In today's episode, Peter and I talk about powerful communication strategies, what life has been like running a business during a pandemic, building a team, being a great leader and so much more. I don't want you to miss this episode, I know you will get so much value from Peter's wisdom.   Episode 44 with Peter Esho: https://new.captivatetheroom.com/episode-44-investing-in-property-and-voice-w-peter-esho/    Guest Bio Peter Esho Peter's journey includes a background in investment management and real estate investment. Prior to Co-Founding Wealthi, Peter worked with Morningstar Inc and Invast Global. 

Interview with Leslie Marshall — 0:30 - 23:45The deliberations going into the Morningstar conference.How this year's conference is different.Attendance numbers this year versus previous years.Sponsorship changes.Covid-related policies.Pricing changes.The agenda.Expenses and investments for a hybrid conference.American Century conspiracy — 23:50-34:45The DOJ agreement and the conspiracy against wealth managers in Kansas City.Ramifications for employees.What was left out of the non-prosecution agreement.Unanswered questions.Leslie Marshall, head of experiential marketing at Morningstar Inc.  is responsible for the Morningstar brand and technology experience at Morningstar conferences and events around the world. A champion for social media within the organization, Leslie leads Morningstar's global social media strategy. She is the former publisher of Morningstar magazine. Leslie and her team are the winners of two Cvent Excellence Awards and five Ozzie Awards. 

Preston Caldwell, senior equity analyst and head of U.S. economics at Morningstar Inc., says that coming out of the pandemic he expects gross domestic product (GDP) to hit 5.3 percent this year, to remain above 4 percent in 2022 but to decline to pre-pandemic -- and slowing -- levels of 2.2 percent by 2023, a burst that will propel the economy but that is not too long-lasting. In a second Big Interview, Matt Hougan, chief investment officer at Bitwise Investments, talks about the state of cryptocurrencies now, discussing the ongoing evolution involving funds, thoughts on portfolio allocations, the ability to spend crypto and more. Also on the show, Chris Manderfield of Key Bank discusses how and why filing your taxes this year is going to feel different than possibly every other tax year in your lifetime, and David Trainer of New Constructs talks about three stocks -- Uber, Door Dash and Carvana -- that he says are more dangerous now despite good, recent earnings reports.

We try to get Dr. David Blanchett, Morningstar’s Head of Retirement Research, to commit to settling an important debate once and for all about target-date funds—do investors need to be “all in” in their allocations in order for TDFs to work properly, or can some assets be held away.We also take a close look at target-date strategies amid the volatility of 2020 and look to what lies ahead in 2021. Finally, Blanchett covers important trends in target-date adoption and how firms are adapting to meet participant preferences.

Brent Schutte of Northwestern Mutual Wealth Management says that the market and the economy are not as disjointed and disconnected as they seem at first blush, noting that the pandemic created an 'economic valley' that has mostly been filled by adaptive companies, federal policies, science pursuing vaccines and more. That has created a situation where Schutte believes the market can continue to performa and the economy can grow even with the virus problem unresolved. Also on the show, Tom Lydon makes a brand-new mid-cap focused fund his 'ETF of the Week,' Jim Callinan of Osterweis Emerging Opportunity fund talks about the secular market opportunities he sees happening now, and Susan Dziubinski of Morningstar Inc. discusses how the health-care industry is being reshaped by coronavirus.

The U.S. Department of Labor received thousands of comments on a newly proposed rule that says sustainable investments still need to put financial performance first to have a place in corporate retirement plans. Some say the proposal would put needed guardrails in place around an increasingly popular investment product, but others argue that the rule will hamper ESG options in pension funds. We talk to sustainability experts on both sides of the debate in the latest episode ESG Insider, an S&P Global podcast about environmental, social and governance issues. The Labor Department in June proposed requiring company-sponsored retirement accounts such as 401(k)s and pension plans that are subject to the Employee Retirement Income Security Act, or ERISA, to give a higher priority to funds with the greatest financial performance potential than to those focused on non-financial environmental and social considerations. The vast majority of comments the DOL received in July were in opposition to the proposal, according to an analysis by a number of organizations including the US SIF: The Forum for Sustainable and Responsible Investment. Christian McCormick, director and senior product and sustainability specialist at asset manager Allianz Global Investors U.S. LLC, notes that sustainable funds have grown exponentially. Morningstar Inc. reported that the money invested in sustainable funds increased nearly fourfold in 2019 from the prior calendar year to a total of $21.4 billion. In comparison, the World Business Council for Sustainable Development, or WBCSD, has indicated that in 2019 only 4.8% of Fortune 1000 companies offered a socially-responsible fund option for employee retirement plans. Given the rising popularity of ESG funds, McCormick suggests that the Labor Department may be trying to act early before the trend spreads and takes hold in retirement plans. If the agency were to wait until more companies offered ESG fund options, it would face much more push-back "because it would require a lot of cost to then change investment lineups [and] require a lot of regulatory and perhaps even litigation costs for plans that have already added it," McCormick says in the interview. But William Sisson, executive director of the CEO-led WBCSD, contends that the new rule would make companies even less likely to offer ESG fund options. "This ruling is going to perhaps put some brakes on that because it's going to raise ... some flags to the fiduciaries in our companies about concerns over the litigation risk and other factors that they'll have to pay attention to if this ruling goes forward," he tells ESG Insider.

David Trainer, president of New Constructs, said that insurance giant Allstate Corp. is an attractive stock despite a significant recent decline resulting mostly from the market's reaction to the coronavirus pandemic. Trainer -- who normally warns investors away from securities in the Danger Zone segment -- made Allstate one of his attractive stocks, noting that the company is significantly overvalued, with the market apparently believing it will never again reach the highs of recent years, while Trainer believes the stock is poised to exceed those previous levels. Also on the show, Gene Tannuzzo of Columbia Threadneedle Investments talks about interest rates and how the Fed is playing the current crisis straight from the disaster handbook, Greg McBride of Bankrate.com discusses how Americans' finances are faring as the pandemic stretches on, and Ben Johnson of Morningstar Inc. covers ETFs in the Market Call.

Warren Pierson, deputy chief investment officer at the Baird Funds, said that while the worst dislocation of the viral economy is now starting to wind down, the uncertainty ahead will shape and potentially surprise the bond market, as credit downgrades, low interest rates and more play out for at least the rest of the year as a recovery struggles to to gain a foothold. Also on the show, Preston Caldwell from Morningstar Inc. discusses the firm's best, worst and current forecasts for the economic outcomes from the COVID-19 pandemic, Chuck answers an audience question about deciding which securities to sell in order to raise cash now, and Don Rich from the Esoterica NextG Economy ETF talks stocks in the Market Call.

Our guest on the podcast today been called one of the most powerful women in finance. Sallie Krawcheck started her career as an equity analyst at Sanford C. Bernstein, where her reputation for impartial advice and criticism of conflicts of advice in the financial-services sector prompted Fortune magazine to call her the last honest analyst. She later moved to Citigroup, where she served as CEO of the firm's Smith Barney unit, Citi's chief financial officer, and CEO of Citi's, Wealth Management Business. In the latter role, she was an early advocate of a fiduciary standard for the brokerage industry. She went on to Bank of America where she served as president of the firm's wealth management unit. Sallie is currently the CEO and co-founder of Ellevest, a digital financial advisor for women launched in 2016. She is also owner and chair of Ellevate Network, a global network of women committed to promoting gender equality in the workplace. In the spirit of full disclosure, Morningstar Inc. invested in Ellevest in 2015 and 2019, and Morningstar Investment Management LLC, a subsidiary of Morningstar Inc. provides consulting services to Ellevest for their core portfolios. BackgroundSallie Krawcheck bio Ellevest Ellevate Network “In Search of the Last Honest Analyst,” by David Rynecki, Fortune, June 10, 2002. “BofA’s Krawcheck Backs a Fiduciary Standard,” InvestmentNews, April 20, 2010. “When Citi Lost Sallie,” by Geraldine Fabrikant, The New York Times, Nov. 15, 2008. “Sallie Krawcheck Wants to Take Women to the Top of Business,” by Abigail Jones, Newsweek, Dec. 23, 2014. Gender Pay Gap/Lifetime Earnings“The Narrowing, But Persistent, Gender Gap in Pay,” by Nikki Graf, Anna Brown, and Eileen Patten, Pew Research Center, March 20, 2019. “How a Common Interview Question Hurts Women,” by Claire Cain Miller, The New York Times, May 1, 2018. Salary History Bans: A Running List of States and Localities That Have Outlawed Pay History Questions, HRdive.com, 2020.“Unlocking the Full Potential of Women in the U.S. Economy,” McKinsey & Company, 2011. Education and Lifetime Earnings, Social Security Administration. Women and Caregiving, Facts and Figures, Family Caregiver Alliance. “The Trickle-Down Effect of Caregiving on Women,” by Kathleen Fitfield, AARP.org, Nov. 29, 2018. “Older Women Workers and Economic Security,” U.S. Department of Labor Issue Brief. “How to Stand Up for Paid Family Leave,” Ellevest.com, May 14, 2018. “How to Afford Parental Leave and Some Time Off,” by Sallie Krawcheck, Ellevest.com, Oct. 10, 2016. Diversity in the Workplace/Gender Lens InvestingGender lens investing definition “Gender and Diversity Funds: Intentional Or Not?,” by Madison Sargis, Morningstar.com, April 15, 2019."2 Options for Gender-Lens Investing," by Jon Hale, Morningstar.com, March 2, 2017. Pax Ellevate Global Women’s Leadership Fund “Why Diverse Teams Are Smarter,” by David Rock and Heidi Grant, Harvard Business Review, Nov. 4, 2016. “Diverse Teams Feel Less Comfortable—And That’s Why They Perform Better,” by David Rock, Heidi Grant, and Jacqui Gray, Harvard Business Review, Sept. 22, 2016. “New Research: Diversity + Inclusion = Better Decision-Making at Work,” by Erik Larson, Sept. 21, 2017. Women and Investing“Why Women Invest 40 Percent Less Than Men (and How We Can Change It),” by Jean Chatzky, Nbcnews.com, Sept. 25, 2018. “Boys Will Be Boys: Gender, Overconfidence, and Common Stock Investment,” by Brad Barber and Terrence Odean, The Quarterly Journal of Economics, February 2001.  “What Does It Mean to Invest Intentionally?” by Sallie Krawcheck, Ellevest.com, Nov. 19, 2019. “Women Reach Their Peak Salaries 10 Years Sooner Than Men,” by Patricia Nilsson and Hannah Murphy, Financial Times, Sept. 19, 2018. Benefits Planner/Life Expectancy, Social Security Adminstration. “Do Women Take As Many Risks As Men?,” by Doug Sundheim, Harvard Business Review, Feb. 27, 2013. "Sallie Krawcheck: The Retirement Crisis Is a Gender Crisis, Too," Morningstar.com, July 11, 2015. “For Some Widows, Breaking Up with An Advisor Is Easy to Do,” by Ilana Polyak, Oct. 11, 2014. “Women Put Financial Security at Risk by Deferring Long-Term Financial Decisions to Spouses, UBS Research Reveals,” UBS.com. “What Women Want in  a Financial Advisor,” by Kerry Hannon, Forbes.com, May 13, 2018. “Female Fund Manager Performance: What Does Gender Have to Do with It?” by Madison Sargis and Kathryn Wing, Morningstar.com, March 8, 2018. “Fund Managers By Gender: The Global Landscape,” Morningstar. Fiduciary definition “Let’s Demand Better from the Financial Services Industry,” by Sallie Krawcheck, Ellevest.com, Sept. 20, 2019. “How Wall Street Keeps #MeToo Claims Out of the Spotlight,” by Rob Copeland, Liz Hoffman, and Rachel Louise Ensign, The Wall Street Journal, Jan. 19. 2018. “Wall Street Has Been Unscathed by MeToo. Until Now,” by David Gelles, The New York Times, March 16, 2019. “My Best Career Advice ... Isn’t Career Advice,” by Sallie Krawcheck, Ellevest.com, Nov. 12, 2019. 

Show #660   Good morning, good afternoon and good evening wherever you are in the world, welcome to EV News Daily for Tuesday 7th January 2020. It’s Martyn Lee here and I go through every EV story to save you time.   Some advance mention of this weekend, I’ve been working on a Saturday Special all about Plug In Hybrid’s. So rather than a news show, we’ll look at where we are the take a run down of the cars coming soon. Are they the perfect halfway house between fossils and EV, or should people make the jump these days to full electric? That’s this Saturday.   Thank you to MYEV.com for helping make this show, they’ve built the first marketplace specifically for Electric Vehicles. It’s a totally free marketplace that simplifies the buying and selling process, and help you learn about EVs along the way too.     UK DECEMBER SALES FIGURES Matthias Schmidt @auto_schmidt   "Tesla Model 3 made it into the UK's top 10 registrations list in December with 2,824 registrations. SMMT data. Significance: From Jan, UK is likely to become a key priority market (company car tax change from Apr) for Tesla following end of Netherlands priority (Jan tax change)"   It goes VW Golf, Ford Fiesta, Mini, FOrd Kuga, BMW 3 Series, Ford Focus, Mercedes A-Class and then Other. (aka Model 3).   UK Sales numbers: December 2019: BEVs: 4,939 (+220.7%) PHEVs: 4,480 (+21.8%)   2019: BEVs: 37,850 (+144.0%) PHEVs: 34,734 (-17.8%)   RIVIAN COLLECTS 1.3 BILLION IN FINANCING "The US electric car manufacturer Rivian has raised 1.3 billion dollars in a new round of financing. The financing round was led by the fund company T. Rowe Price, Blackrock and included previous investors, Amazon and Ford." reports electrive.com: "Amazon already added a $700 million financing round in February 2019, Ford invested $500 million in April and has since been planning further collaborations with the start-up. In September, Cox Automotive had invested another $350 million – but the fourth round in December was the largest of the year. Amazon and Ford, have increased their involvement in Rivian – but the amount of their involvement has not been revealed."   https://www.electrive.com/2020/01/06/rivian-collects-1-3-billion-in-financing/   AMAZON-BACKED RIVIAN WILL INTEGRATE ALEXA INTO ITS ELECTRIC PICKUP AND SUV "Rivian  will integrate Amazon’s  voice assistant Alexa into the R1T pickup and R1S SUV, the company’s first electric vehicles that are set to debut at the end of the year." says TechCrunch: "Rivian said Monday it also plans to extend the Alexa integration to 100,000 electric delivery trucks that Amazon has ordered from the automaker. The electric vans are expected to start delivering packages to customers in 2021. The integration into the R1T and R1S will give owners access to standard Alexa features, such as playing music, placing calls and navigation, as well as the ability to control the climate, open and close the trunk and other vehicle features. For instance, owners will be able to remotely tap into the camera embedded in Rivian’s pickup truck from Amazon screen-based services like Echo Show and Fire TV to check on whatever gear is stashed there."   https://techcrunch.com/2020/01/06/amazon-backed-rivian-will-integrate-alexa-into-its-electric-pickup-and-suv/   WHAT AUTOMAKERS ARE SHOWING AT CES "as the auto industry grapples with technology-fueled disruption from electrification, autonomous driving and upstart business models, CES is becoming the venue of choice for brands to prove to consumers, and each other, that they are embracing the future of mobility." writes Automotive News Europe: "BMW will tease an interior concept for its i3 EV.  Fisker will debut the Ocean all-electric crossover, powered by an 80-kWh lithium ion battery pack and with an expected range of up to 300 miles. Ford will show its 2021 Mustang Mach-E crossover. The highly anticipated mass-market EV, with a 300-mile range. Nissan will showcase its Ariya electric crossover concept. Toyota will ... demo several concept vehicles."   https://europe.autonews.com/automakers/heres-what-automakers-are-showing-ces-electronics-show   ELON MUSK TO COME TO SHANGHAI "Elon Musk plans to attend a ceremony to mark the first deliveries of made-in-China Tesla Inc. vehicles to customers on Tuesday, according to people familiar with the matter." says Bloomberg: "The ceremony is due to start at 3 p.m. local time at Tesla’s first factory outside the U.S. The tough market could mean that Tesla sells just 21,000 China-built Model 3s this year, according to LMC Automotive. The forecast takes into account Tesla’s history of production delays, potential supply-chain constraints and the complexity of manufacturing high-quality cars at scale, LMC Automotive said. Tesla, a pioneer in electric cars, probably will have an edge for the next one-to-two years before competition starts catching up, said David Whiston, an analyst at Morningstar Inc. in Chicago."   https://www.bloomberg.com/news/articles/2020-01-06/musk-plans-to-come-to-shanghai-for-debut-of-made-in-china-tesla   And from Electrek: "Tesla always said that they plan to produce both the Model 3 and Model Y at Gigafactory 3 in Shanghai, but they never confirmed a timeline for Model Y. Model Y is supposed to go into production in Fremont for the US market in the next few months. It was rumored that production in Shanghai could be not too far behind, and now Tesla is expected to lay out a clear plan to bring the vehicle in production in the country. Tesla is talking about expanding the already giant factory in order to produce the Model Y at the plant."   https://ww.electrek.co/2020/01/06/tesl-model-y-program-china-model-3-delivery-event-elon-musk/#   TESLA BEGINS CLEARING TREES AT GERMAN GIGAFACTORY 4 SITE "Crews in Germany have started preparations for the groundbreaking of Tesla’s Gigafactory 4. Recently-shared videos from the piece of land in Grünheide, Germany revealed that some trees are currently being cut down to make way for the upcoming electric car production plant." according to Teslarati: "Environmentalists have not been expected to protest or make any attempts at halting Tesla’s progress at the site. Tesla initially announced that deforestation would result in the company planting three times as many trees to replace those that have been cut due to Gigafactory 4’s construction."   https://www.teslarati.com/tesla-gigafactory-4-deforestation-groundbreaking-event/   TESLA GIGAFACTORY 4 DOCUMENTS HINT AT DEDICATED BATTERY CELL FACILITY "Recent filings for Tesla GF4 show the site layout for the massive complex, listing the primary buildings that will be constructed on the site. Among the most noticeable parts of this layout is a large area marked “cell.”" according to Tasmanian: "The size of the building marked “cell” in GF4’s planned layout inspires a lot of speculation. Based on its size, it appears that Tesla may be looking to manufacture actual battery cells on location in GF4."   https://www.tesmanian.com/blogs/tesmanian-blog/tesla-gigafactory-4-battery-cell-productionfacility   EV SUBSIDIES EXTENDED IN SEVERAL US STATES "Several US American states have launched initiatives to support the electrification of their traffic. Massachusetts and Delaware extended their subsidy programmes, while Ohio is angling to introduce one. California extended traffic benefits to include those driving used EVs." says electrive: "Massachusetts will be extending its subsidy program until the end of 2021, with BEVs receiving a grant of $2,500 and PHEVs with at least 25 electric range receiving $1,500.Delaware is extending its subsidy program by one year until the end of 2020. $2,500 for BEVs, $1,000 for PHEVs – each up to a list price of $60,000. In California, lower-income (earning less than $65,777) owners of used electric cars have also been given access to the carpool lanes since January 1."   https://www.electrive.com/2020/01/06/ev-subsidies-extended-in-several-us-states/   WHAT CAR? CAR OF THE YEAR 2020: THE SHORTLIST Audi E-tron - the E-tron still impresses with a cosetting ride and a luxurious interior. Mercedes EQC -Mercedes’ first electric SUV impressed us with its quiet manner and comfortable ride. MG ZS EV - MG ZS EV offers a lot of value for money, especially for anyone wanting to try electric motoring on a budget. Seat Mii Electric - electric power and a price tag which makes it affordable for many. Tesla Model 3 - It can travel up to 239 miles on a single charge (note: WLTP is 348 for Long Range)   https://www.whatcar.com/news/what-car-car-of-the-year-2020-the-shortlist/n20703#31   MAZDA FAVOURS SMALLER BATTERIES FOR UPCOMING EVS "Mazda says it will never build a ‘big-battery’ electric car, because it believes such vehicles are less environmentally friendly than even conventional diesel-powered models, judged over a whole energy life cycle." writes Hilton for Autocar: "The production version of the MX-30, due in mainland Europe later this year and the UK in early 2021 priced at €34,000 (£30,000), will have a 35kWh battery. That will drive an electric motor with 141bhp and 195lb ft of torque and give a range of around 130 miles. The lithium ion battery pack is made in Japan by Panasonic. Mazda’s engineers have also tuned the torque delivery of the MX-30’s electric motor to be less frenetic than is often the case with EVs, reasoning that they want the MX-30 to feel less like a dramatic change from a typical internal combustion engine vehicle."   https://www.autocar.co.uk/car-news/new-cars/mazda-favours-smaller-batteries-upcoming-evs   PATREON UPDATE I want to say a massive thank you to ASEER KHALID who upgraded his support from EXECUTIVE PRODUCER level, and opted to support with more outof the blue. Wow, thank you!   Thank you to new Patreon EXECUTIVE PRODUCER CRAIG COOPER - "I have 25 solar panels currently and 14 more on the way. 3 Tesla Powerwalls being installed with the additional panels. A Model 3 and a 2014 CPO Model S. "   Hello To MARK GARNETT for increasing his level of support to become a PRODUCER of the podcast.   Welcome to another PRODUCER ADAM VAN RAAD   Finally we welcome JIM DUGAN as a new PRODUCER.     QUESTION OF THE WEEK The MYEV.com Question Of The Week…   What are your 2020 Predictions?     I want to say a heartfelt thank you to the 230 patrons of this podcast whose generosity means I get to keep making this show, which aims to entertain and inform thousands of listeners every day about a brighter future. By no means do you have to check out Patreon but if it’s something you’ve been thinking about, by all means look at patreon.com/evnewsdaily   You can listen to all 659 previous episodes of this this for free, where you get your podcasts from, plus the blog https://www.evnewsdaily.com/ – remember to subscribe, which means you don’t have to think about downloading the show each day, plus you get it first and free and automatically.   It would mean a lot if you could take 2mins to leave a quick review on whichever platform you download the podcast.   And if you have an Amazon Echo, download our Alexa Skill, search for EV News Daily and add it as a flash briefing.   Come and say hi on Facebook, LinkedIn or Twitter just search EV News Daily, have a wonderful day, I’ll catch you tomorrow and remember…there’s no such thing as a self-charging hybrid.     PHIL ROBERTS / ELECTRIC FUTURE (PREMIUM PARTNER) BRAD CROSBY (PREMIUM PARTNER) AVID TECHNOLOGY (PREMIUM PARTNER)   DAVID ALLEN (PARTNER) OEM AUDIO OF NEW ZEALAND AND EVPOWER.CO.NZ (PARTNER) PAUL O’CONNOR (PARTNER) TRYEV.COM (PARTNER) GARETH HAMER eMOBILITY NORWAY HTTPS://WWW.EMOBILITYNORWAY.COM/  (PARTNER) ALAN ROBSON (EXECUTIVE PRODUCER) ALAN SHEDD (EXECUTIVE PRODUCER) ALEX BANAHENE (EXECUTIVE PRODUCER) ALEXANDER FRANK @ https://www.youtube.com/c/alexsuniverse42 ANDERS HOVE (EXECUTIVE PRODUCER) ASEER KHALID (EXECUTIVE PRODUCER) ASHLEY HILL (EXECUTIVE PRODUCER) BÅRD FJUKSTAD (EXECUTIVE PRODUCER) BARRY PENISTON (EXECUTIVE PRODUCER) BRENT KINGSFORD (EXECUTIVE PRODUCER) BRIAN THOMPSON (EXECUTIVE PRODUCER) BRIAN WEATHERALL (EXECUTIVE PRODUCER) BRUCE BOHANNAN (EXECUTIVE PRODUCER) CESAR TRUJILLO (EXECUTIVE PRODUCER) CHARLES HALL (EXECUTIVE PRODUCER) CHRIS HOPKINS (EXECUTIVE PRODUCER) COLIN HENNESSY (EXECUTIVE PRODUCER) CRAIG COLES (EXECUTIVE PRODUCER) CRAIG COOPER (EXECUTIVE PRODUCER) CRAIG ROGERS (EXECUTIVE PRODUCER) DAMIEN DAVIS (EXECUTIVE PRODUCER) DAN FAIRS (EXECUTIVE PRODUCER) DARREN BYRD (EXECUTIVE PRODUCER) DARREN SANT FROM YORKSHIRE EV CLUB (EXECUTIVE PRODUCER) DAVE DEWSON (EXECUTIVE PRODUCER) DAVID BARKMAN (EXECUTIVE PRODUCER) DAVID FINCH (EXECUTIVE PRODUCER) DAVID PARTINGTON (EXECUTIVE PRODUCER) DAVID PRESCOTT (EXECUTIVE PRODUCER) DEREK REILLY FROM THEEFFECT.NET (EXECUTIVE PRODUCER) DON MCALLISTER / SCREENCASTSONLINE.COM (EXECUTIVE PRODUCER) ENRICO STEPHAN-SCHILOW (EXECUTIVE PRODUCER) FREDRIK ROVIK (EXECUTIVE PRODUCER) FREEJOULE AKA JAMES (EXECUTIVE PRODUCER) GENE RUBIN (EXECUTIVE PRODUCER) GEOFF LOWE (EXECUTIVE PRODUCER) IAN GRIFFITHS (EXECUTIVE PRODUCER) IAN SEAR (EXECUTIVE PRODUCER) JACK OAKLEY (EXECUTIVE PRODUCER) JAMES STORR (EXECUTIVE PRODUCER) JERRY ALLISON (EXECUTIVE PRODUCER) JIM MORRIS (EXECUTIVE PRODICERS) JOHN BAILEY (EXECUTIVE PRODUCER) JOHN LACEY FROM CLICK CLACK VIDEO NZ (EXECUTIVE PRODUCER) JON AKA BEARDY MCBEARDFACE FROM KENT EVS (EXECUTIVE PRODUCER) JON KNODEL (EXECUTIVE PRODUCER) JUAN GONZALEZ (EXECUTIVE PRODUCER) KEN MORRIS (EXECUTIVE PRODUCER) KEVIN MEYERSON (EXECUTIVE PRODUCER) KYLE MAHAN (EXECUTIVE PRODUCER) LARS DAHLAGER (EXECUTIVE PRODUCER) LAURENCE D ALLEN (EXECUTIVE PRODUCER) LEE BROWN (EXECUTIVE PRODUCER) LUKE CULLEY (EXECUTIVE PRODUCER) MARCEL LOHMANN (EXECUTIVE PRODUCER) MARCEL WARD (EXECUTIVE PRODUCER) MARK BOSSERT (EXECUTIVE PRODUCER) MARLIN SCHELL (EXECUTIVE PRODUCER) MATT PISCIONE (EXECUTIVE PRODUCER) MATTHEW ELLIS (EXECUTIVE PRODUCER) MAZ SHAR (EXECUTIVE PRODUCER) MIA OPPELSTRUP (EXECUTIVE PRODUCER) MICHAEL PASTRONE (EXECUTIVE PRODUCER) MICHEAEL KYFFIN (EXECUTIVE PRODUCER) MIKE ROGERS (EXECUTIVE PRODUCER) MIKE WINTER (EXECUTIVE PRODUCER) NATHAN GORE-BROWN (EXECUTIVE PRODUCER) NEIL E ROBERTS FROM SUSSEX EVS (EXECUTIVE PRODUCER) NORTHERN EXPLORERS (EXECUTIVE PRODUCER) OHAD ASTON (EXECUTIVE PRODUCER) PAUL RIDINGS (EXECUTIVE PRODUCER) PAUL SHELLEY ((EXECUTIVE PRODUCER) PAUL STEPHENSON (EXECUTIVE PRODUCER) PERRY SIMPKINS (EXECUTIVE PRODUCER) PETE GLASS (EXECUTIVE PRODUCER) PETE GORTON (EXECUTIVE PRODUCER) PETER & DEE ROBERTS FROM OXON EVS (EXECUTIVE PRODUCER)  PHIL MOUCHET (EXECUTIVE PRODUCER) PONTUS KINDBLAD (EXECUTIVE PRODUCER) RAJEEV NARAYAN (EXECUTIVE PRODUCER) RALPH JENSON (EXECUTIVE PRODUCER) RENÉ SCHNEIDER (EXECUTIVE PRODUCER) ROB COOLING / HTTP://WWW.APPLEDRIVING.CO.UK/ (EXECUTIVE PRODUCER) ROB HERMANS (EXECUTIVE PRODUCER) ROBERT GRACE (EXECUTIVE PRODUCER) ROBIN TANNER (EXECUTIVE PRODUCER) RUPERT MITCHELL (EXECUTIVE PRODUCER) SABBY THE CAT (EXECUTIVE PRODUCER) SARI KANGASOJA (EXECUTIVE PRODUCER) SEIKI PAYNE (EXECUTIVE PRODUCER) STEVE JOHN (EXECUTIVE PRODUCER) STUART HANNAH (EXECUTIVE PRODUCER) THE LIMOUSINE LINE SYDNEY (EXECUTIVE PRODUCER) THOMAS J. 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Brent Schutte, chief investment strategist at Northwestern Mutual Wealth management Co., said that while the market has plenty of reasons to get nervous, it also has plenty of impetus to move up throughout the year, largely due to strong underlying fundamentals. He also said that he expects emerging markets and large-cap domestic securities to outperform in the year ahead. Also on the show, Charles Rotblut of AAII Journal is in a selling mood with his 'Stock of the Week,' Ted Rossman of CreditCards.com discusses a recent survey covering how many credit-card customers expect to die with their debt still in place, and Ben Johnson, director of global ETF research at Morningstar Inc

Chris has a packed show!  His co-host Marybeth Breed, CFP at Boston Hill Advisors, and Pro-Bono and Community Outreach Director for the FPA-MA joins Chris in the studio.  Sarah Newcomb, Behavioral Economist from Morningstar, Inc calls in during the show!  She shares with the listeners the psychology aspect of finance.  She discuss the concept "what we think of our money, is how we spend our money." MaryLou Palumbo from the Mashpee Chamber calls in to share some great events they have planned for the season, including the Christmas Parade.  Lastly, Mike Burton calls in with the Slade Mortgage Minute. Great show!

Kunal Kapoor, CEO of Morningstar Inc., discusses passive vs. active funds and the financial services industry. Doug Borthwick, the managing director and head of FX at Chapdelaine & Co., talks about the dollar's reaction to the continued chaos in the White House. Andrew Martin, a legal editor at Bloomberg News, talks about how the Comey memo could thrust President Trump into a legal quagmire. Finally, Srinivas Thiruvadanthai, the director of research at the Jerome Levy Forecasting Center, discusses the Fed dilemma, high yield bonds and housing bubbles in Canada and Australia.

Chris celebrates his 10 year anniversary on the radio! Joining Chris in the studio is the team from AMR, Attorney F. Keats Boys III and a past radio co-host Consuelo Carroll!  Great giveaways for our listeners and callers, 2 "Dinner for 2" gift certificates for The Club At New Seabury or The Popponesset Inn and AMR swag including baseball hats, coffee mugs, post-it notes, and AMR signature pens. Chris receives some surprise calls from  Kanal Kapoor, President and CEO of Morningstar Inc, his college roommate from Holy Cross, and a special note from Jeff Perry, Special Sheriff of Barnstable County and Kristen O'Malley, President and CEO of the Cape Cod Foundation. Chris reminisces about past guests and 10 years of programming. Mike Burton, a 7 year veteran of the show calls in! He also takes financial questions from callers-What a fantastic show, you don't want to miss it!

In this episode of The Lange Money Hour: Where Smart Money Talks, we welcome to the show Morningstar's David Blanchett. David is head of retirement research at Morningstar Investment Management, LLC, and in that role, he works to enhance the group’s consulting and investment services and conducts research primarily in the areas of financial planning, tax planning, annuities and retirement. In 2014, Investment News included David in their inaugural “Forty Under Forty” list as a visionary for the financial-planning industry, and in 2014, Money magazine called him one of the brightest minds in retirement planning. He’s a retire mentor for Market Watch and an expert retirement panelist for the The Wall Street Journal. TOPICS COVERED: 1. Guest Introduction: David Blanchett of Morningstar Investment Management 2. Should You Spend More Early in Retirement While You’re Relatively Healthy? 3. The Three Buckets: Needs, Wants and Wishes 4. Key Factors: How Long Will You Live, What’s the Return Rate, How Much Will You Spend? 5. David Blanchett’s 25-Times Rule for Sufficient Savings and Accounting for Inflation 6. Managing Your Portfolio with Flexibility, As If It Were an Endowment 7. Think in Terms of ‘Risk Preference’ Rather Than ‘Risk Tolerance’ 8. Your Paid-Off Home Is a Powerful Asset for a Comfortable Retirement 9. Comprehensive Planning and the Idea That ‘No Portfolio Is an Island’ 10. Beyond Alpha and Beta: The Gamma of Holistic Financial Planning 11. David Blanchett’s Retirement Rule of Thumb: One Size Does Not Fit All 12. Bucket Analogy Helps Clients Better Understand How Portfolio Works for Them 13. One Overall Goal, But Different Investment Strategies to Get There 14. David Blanchett’s Best Advice: You Only Retire Once, Don’t Screw It Up