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Active Investing
While more plans have shifted to passive investing in recent years thanks to its long-term, lower-cost structure, experts argue there are advantages to including actively managed investment options in defined contribution (DC) plan investment lineups as well.
Josh Cohen, head of institutional defined contribution at PGIM, describes active management as a more hands-on approach, where an asset manager makes decisions about buying or selling a fund’s underlying holdings based on performance expectations. “[Asset managers] can use quantitative approaches to determine securities that have worse or better expected returns, and what’s called fundamental analysis, which is doing an analysis on individual securities,” he explains.
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Subscription services seem to be the sweet spot for attracting new users and building customer loyalty. For $10 a month? Take all the streaming music you want. Another $20 per month? Here’s access to a library of workout videos. Why should your mindset be any different when it comes to investment contributions?
Why people should ditch the ‘retirement ritual’ and engage in life instead
These tips can potentially help individuals feel fulfilled and motivated at any age.
By Mark Clure, CFP, Principal at Enso Wealth Management
What do Dr. Anthony Fauci, Betty White and Warren Buffett have in common? Among other things, they each continue to work far beyond the traditional retirement age. They clearly love what they do, and by rejecting what I call the retirement ritual, they have remained engaged and found the secret to a longer, happier and healthier life.
Neuroscience seems to agree with this view. In his book “Affective Neuroscience,” neuroscientist Jaak Panksepp suggests that of seven core emotions in the human brain seeking, play, lust, care, anger, fear and panic/grief seeking is the most significant. The “seeking system” is responsible for our motivation, urge to explore, and yearning to understand, according to Panksepp. Additionally, the
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