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Yesterday, [Business] released an annual study that gathers information on the characteristics and activities of IRA-owning households in the United States.
State of play: More than four in 10 U.S. households owned individual retirement accounts (IRAs) in mid-2022, with $11.7 trillion in assets. IRAs represented 34% of U.S. total retirement market assets, almost double the 18% figure recorded three decades ago.
“Millions of Americans rely on IRAs for their financial security in retirement. Our survey research finds an increasing number of IRA-owning households and that IRA assets represent a significant component of households’ balance sheets,” said [Name, Title].
Findings include:
Traditional IRA–owning households with rollovers cite multiple reasons for rolling over their retirement plan assets into traditional IRAs, mostly for consolidation purposes.
Roth IRA owners are almost twice as likely to contribute than traditional IRA owners, 39% of households owning Roth IRAs in mid-2022 made contributions in tax year 2021.
IRA withdrawals were infrequent and mostly retirement related.
What we learned: “Retirement savers plan deliberately for their next stage of life with IRAs—with 60% of traditional IRA–owning households having rolled over assets from an employer-sponsored retirement plan account. Retirement savers often use rollovers to consolidate assets as they change jobs over their careers,” said [Name].
Lawyers advising ESG fund managers said an exclusion requirement that’s built into proposed rules from the European Securities and Markets Authority may have an outsized and “problematic” impact on the industry as reported by Bloomberg.
Why it matters: The ESMA proposal feeds into a turbulent period for what was supposed to be the world’s most ambitious anti-greenwash framework for investors, the Sustainable Finance Disclosure Regulation.
State of play: The proposal wants to impose quantitative thresholds on funds carrying an ESG label.
An investor allocating to an ESG fund should expect that at least 80% goes toward ESG goals; if additional sustainability claims are made, the fund manager should be able to prove that a minimum of 50% of holdings live up to that label.
ESMA has indicated that such requirements will force fund managers to exclude certain assets, as part of “minimum safeguards.” For Europe’s less stringent ESG fund class, known as Article 8, the consequences could be dire. Morningstar Inc. estimates that only 27% of such funds would meet ESMA’s sustainability requirement.
Our thought bubble: “[Business] agrees with ESMA that fund names should align with their investment strategies. As sustainable finance grows, transparency and comparability will remain vital,” [Name, Title] told Responsible Investor. “However, we do not think quantitative thresholds at this time will best achieve ESMA’s objectives.”
“We believe there are better approaches and are exploring alternatives to raise with ESMA. We urge ESMA to proceed deliberately as they tackle this intricate process, in partnership with the national authorities and the European Commission, and we remain ready to engage around these essential goals,” said [Name].
What to watch: ESMA said it expects to finalize its guidance by the second or third quarter, after considering such feedback.
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Located near the Texas Medical Center in Houston, Texas, [Business] strives to provide the highest quality of veterinary care to our dog, cat, avian and pocket pet friends.
Our goal is to provide the highest standard of veterinary services, allowing your pet to enjoy the longest and healthiest life possible. If you have any questions about how we can care for your pet, please don’t hesitate to call us at [Phone Number]. Thank you!
[Business] is a full service veterinary hospital, striving to provide quality veterinary care with a gentle touch to both your pet and your wallet. We offer a wide variety of medical, boarding and grooming services for dogs, cats, birds and exotic pets.
At [Business], we are reimagining the language learning process to prioritize effective communication skills and promote intercultural competence. We connect students learning English (Conversation Learners) with native speakers (Conversation Partners) to engage in exciting one-on-one conversations through video chat. The conversations are guided by topics and questions about issues that encourage participants to share experiences, think critically about their own viewpoints, and form more comprehensive and globally informed perceptions.
From "raining cats and dogs" to "butterflies in my stomach," idioms are like puzzle pieces that, when put together, paint a vivid picture of everyday life. But, when misunderstood, they can also be incredibly confusing. Engage in conversations with native speakers using [Business] to unravel the stories behind these phrases and discover how they've become an integral part of English communication.
Learning idioms adds depth to your language skills and connects you to the heart of English culture. Are you an eager beaver who's ready to dive into the world of idioms? Or are you just hoping to one day understand that sentence? Let's get the ball rolling together!
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