Little savings, low yields, longer lives and more retirees are among the factors that have increased longevity risk—the risk that individuals will outlive their savings. In 2020, the uncertainty of the U.S. election further complicates these longevity issues.
Instead of trying to time the market, Americans can keep a long-term focus and, if suitable, consider investing more heavily in equities – a powerful option in the current low rate environment. This may help investors manage longevity risk and potentially build a sufficient nest egg for retirement.
The 10-year treasury yield is widely considered to be one of the safest investment vehicles in the world due to their backing by the U.S. government. Price action on the 10-year treasury yield is commonly linked to movement on the 30-year mortgage index
S&P 500 Index is widely regarded as the standard for measuring large-cap U.S. stock-market performance.
The Dow Jones Industrial Average (DJIA) is an index that tracks 30 large, publicly-owned companies trading on the New York Stock Exchange (NYSE) and the NASDAQ.
The S&P 500 Health Care Index comprises those companies included in the S&P 500 that are classified as members of the GICS® health care sector.
The S&P 500 Aerospace and Defense Select Industry Index represents the Aerospace and Defense sector of the S&P Total Market Index.
Bloomberg Barclays U.S. Aggregate Bond Index is an unmanaged market value-weighted performance benchmark for investment-grade or better fixed-rate debt issues, including government, corporate, asset-backed, and mortgage-backed securities, with maturities of at least one year.
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This material represents an assessment of the market environment as at a specific date; is subject to change; and is not intended to be a forecast of future events or a guarantee of future results. This information should not be relied upon by the reader as research or investment advice regarding the funds or any issuer or security in particular.
This material contains general information only and does not take into account an individual's financial circumstances. This information should not be relied upon as a primary basis for an investment decision. Rather, an assessment should be made as to whether the information is appropriate in individual circumstances and consideration should be given to talking to a financial advisor before making an investment decision.