Each decade of life brings unique challenges and opportunities, financial and otherwise. Focusing on each stage from the 40s to the 70s, we highlight the planning issues that may be ripe for your consideration, including revisiting your estate plan, downsizing your home, and constructing your general retirement plan.
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Today, investors of all sizes are utilizing their capital to do good while also doing well. A multitude of impacting investing options are available for foundations, family offices, and individual investors to align their values with their investment portfolios. Whether it is through ESG-screened ETFs and mutual funds, green bonds, PACE bonds, or private equity funds, impact investing is a win-win that can drive much needed social and environment change while also earning a good market-rate financial return.
Strategic investors and private equity firms around the world turned to transactional risk insurance in record numbers in 2017 to reduce deal risk in a highly competitive mergers and acquisitions (M&A) environment. In the latest Transactional Risk report, it provides details on the demand for transactional risk insurance globally. Other key findings include corporate buyers increasing their use of transactional risk insurance and a demand for both traditional and innovative transactional risk products is rising, particularly for contingent tax risk.
Transactions for the purchase and sale of businesses are rarely all cash deals. No matter the transaction structure, the use of financing to consummate the purchase creates a new dimension and layers of complexity requiring additional scrutiny and analysis by a discerning seller (or its principals). When financing the purchase of your business, there are five things the deal team should consider.
Employers are facing workplace retention challenges with increasing regularity. Whether this is the result of a shift in generational norms or a strong economy, employees seem to be more mobile than ever before. Looking at costs alone, recent studies have shown that the cost of recruiting a new employee can be as high as 200% of the former employee’s salary. What can employers do in response to increase higher retention rates?
Today, a quarter of 65-year-olds will live past age 90, and one in 10 will live past age 95. Living longer has considerable benefits for individuals and their families, but living longer is also creating new challenges. Traditionally, managing wealth in preparation for the later stages of life is centered on estate planning and tax efficiency. As people live longer, this narrow focus is inadequate.
While trade finance is among the oldest forms of institutionalized credit, it has only recently become an accessible market for most institutional investors. Providing high liquidity, good return premiums over cash, and a predictable risk profile, it can play a valuable role in portfolio strategy. However, as a fairly new option for most investors, its characteristics are not well-known. In this report, we explain the nuances of trade finance, including its evolution, basic mechanics, typical features, available strategies, and portfolio allocation implications.
Many institutional investors have long sought to promote social equity through grant making and other philanthropic endeavors. With the field of impact investing maturing, these institutions are now increasingly seeking investment solutions to accomplish the same goal. Yet this effort raises important questions: What is social equity investing? What does it look like in practice? And how do social equity investments fit in a portfolio?
Massive data breaches, constant collection of personal data—it may seem like privacy is dead in the digital age. But privacy, security, and trust are increasingly vital and intertwined in a data-driven society. For CEOs and boards, the existential question is less about the future of privacy and more about the future of their own organization, including if their company can muster the will and imagination needed to jolt stalled privacy risk management into action and become a trusted brand for responsible innovation and data usage.
How can risk executives embrace innovation while preparing for unknown risks such as a self-driving car commandeered by hackers, data analytics software that unintentionally reflects biases, or autonomous weapons that cause accidental casualties? This challenge was explored in the Risk in Review Study of more than 1,500 senior risk executives globally. Adapters—those with programs that tackle innovation-related risks somewhat or very effectively—practice five actions that set them apart. And their programs exert much more influence over decisions about innovation.