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Social Security

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PIMCO’s Intermediate Stock Market and Economic Outlook

June 22, 2017

Every year PIMCO conducts what it calls a Secular Forum at which the firm’s staff plus invited outside speakers discuss broad economic and investment issues. At the end, PIMCO derives an outlook for the next three to five years and uses this outlook to influence investment decisions. The 2017 forum concluded a few weeks ago, […]

Worry About a Narrow Market – The Problem with Capitalization Weighted Indexes

June 15, 2017

It is the nature of capitalization-weighted indexes that a few large companies dominate the returns for the index. This becomes especially pronounced after long bullish runs. So, these days we hear a lot of talk about five to 10 stocks deceiving investors about the nature of the market. There’s some truth to that idea. But […]

The Stock Markets and Automated Trading

April 24, 2017

There’s a continuing debate about the role of technology in stock market movements. Many blamed the extent of the 1987 crash on program trading that kept triggering more selling as the previous sales pushed down market prices. In the latest episode, Paul Tudor Jones, a famous and successful hedge fund manager, said that forced trading […]

Why Investment Returns Should Decline

April 6, 2017

A number of investment firms have argued that investment returns, especially stock returns will be below the long-term averages over the next 10 years. The main reason is that Federal Reserve policies after the financial crisis artificially boosted stock returns the last few years. Here’s another argument for lower investment returns over time. This argument […]

The Cut in Social Security Benefits

February 16, 2017

The full retirement age for Social Security rose to 66 a few years ago. Going forward, it is going to increase steadily for new retirees. This article explains how an increase in the full retirement age is a benefit reduction for most retirees. It also provides some basic background on Social Security, such as how […]

Social Security Full Retirement Age is Rising

January 30, 2017

The Social Security reforms put in place in 1983 gradually raised the full retirement age (FRA), the age at which you can receive full benefits. FRA’s been at 66 for a while. But for those turning 62 this year, the FRA increases to 66 and two months. It continues to increase for people born after […]

What To Do About Social Security

January 19, 2017

Social Security will have enough money to pay only 70% to 80% of its promised benefits if changes aren’t made. The year when the program won’t be able to pay full benefits changes depending on forecasts for economic growth and inflation plus life expectancy, but it consistently has been between 2030 and 2040. Donald Trump […]

Social Security to Mail Fewer Benefits Estimates

January 18, 2017

The stop-start nature of benefits estimates from Social Security continues. For a brief period, Social Security mailed paper statements of estimated benefits to every U.S. workers who had enough earnings to qualify for retirement benefits. Since then, Social Security’s periodically saved money by limiting the number of statements it mailed. Recently, Social Security posted a […]

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