Inflation Rises and Housing Market Recovery

 October 28 2016
Core inflation and housing starts are two important pieces of economic data which we track on a monthly basis. The rising cost of goods may spur higher interest rates. Increasing housing starts indicate a growing economy and wage growth. We see both of these indicators on a positive direction. Inflation Core inflation seems to be stuck around the 2.2-2.3% mark, as the strong U.S. dollar has ...

Economic & Market Update

 August 31 2016
We expect 2016 real global GDP to grow at a 3.0% rate. U.S. growth should be about 1.5%-2.0%. The probability of a U.S. recession remains low. In Europe, a 2.0% real growth rate has been projected. Uncertainties surrounding these projections have increased as a result of Brexit and slower than expected growth in the U.S.

No Risk? No Way!

 August 31 2016
Investing for retirement is a big deal. The last thing you want is for your investments to lose value. If you’re worried that a drop in the stock market will tank your retirement savings, you may be tempted to fill your portfolio with low-risk cash alternative investments, such as funds holding short-term securities that can be readily converted to cash.* But if you do, you’ll be tradi...

Home Sales on the Rise, but is Credit too Easy?

 July 29 2016
Existing home sales increased by 1.1% m/m to 5.57 million (annualized) in June. This was the fourth consecutive increase. The pickup in activity was broad-based, showing increased sales in both single-family homes and the condo/co-op segment. Home prices have also increased, with first-time home buyers accounting for 33% of all transactions. This increase marked an improvement from the 30% share r...

I'm Too Young to Save for Retirement

 July 28 2016
We often hear the younger generation of workers tell us that saving for retirement is not high on their priority list. It is easy to understand why retirement may not be a main priority for most young workers as they are focused on other life events such as launching their careers, paying off student debt, buying a home, or starting a family. However, what the younger generation needs to understan...

Savings Into Perspective

 July 27 2016
According to the National Institute of Retirement Security, 40% of working households (aged between 25 and 64) have no retirement savings. For those that do, the median balance for households with workers approaching retirement age is $104,000, a rate experts say is one-fifth of the ideal balance, based on a retirement age of 67. It's never too late for employees to start investing or increase ...

New Tool to Help Your Employees Achieve Financial Wellness

 July 27 2016
Knowledge is power. No matter where your employees are in life, the more they know about handling their finances, the better chance they have of reaching their goals. Education is crucial to investment and retirement planning. HORAN Retirement Advisors meet one-on-one with employees to offer investment advice and guidance. HORAN Retirement Advisor's education strategy ensures employees have the in...

April Jobs Report Below Expectations

 May 13 2016
The headline result of 160,000 jobs created in April was a small letdown given many economists were expecting that number to be around 200,000. However, it’s important to look at the U.S. economy and job market over time and not just the monthly intervals that so often grab the headlines of the 24-hour news cycle. On a more positive note the United States has had a healthy five years of...

Investor Letter from HORAN Capital Advisors - Spring 2016

 April 18 2016
The extent of the first quarter market decline was surprising to us given our view the U.S. economy was stronger than markets suggested. The S&P 500 Index fell by 10.51% in the first six weeks to begin the year. This decline followed a 10% correction and subsequent rebound in 2015, which was the first in four years. In fact, at the peak of the pessimism, all major stock indexes were down 10% o...

Long Life and Life Insurance

 March 17 2016
The greatest gift of the 20th century was the addition of 30 years of longevity according to Gary Becker, Nobel Laureate and Professor at the University of Chicago. In 1620, when English Settlers first set foot in America, the average life expectancy was 35 years. By 1900, three centuries later, life expectancy had improved to age 47.    Today, life expectancy at birth is 78.8 years. M...
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