Empower

Category: Empower


The Fed’s Raised Interest Rates, Again: What’s next

No surprises and strong dataThe Fed meeting wasn’t much of a surprise, as markets highly anticipated the raise of the target range for the federal funds rate to ¾ to 1 percent. As noted in…

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Stocks Surge—with Hope for More on the Way

The Dow Jones Industrial Average hit an all-time high of 21,000 last week on the heels of the President’s first speech to Congress. Notably, newly released U.S. economic data continued to exceed expectations:Durable goods orders…

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Stocks Go on Record Run as Inflation Heats Up

Stocks Go on Record Run as Inflation Heats UpLast week, numerous major global equity indices hit all-time highs as stocks continued their bullish run. In the U.S., for example, the S&P 500, the Dow Jones…

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Solving for the Major Risks in Retirement

Solving for the Major Risks in Retirement Bond yields have fallen steadily, more or less, for the past 30-plus years—from nearly 16% in the early 1980s to under 2% during the past year1. That has…

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Liquidity Risk: Accessing Retirement Income

Liquidity risk can be a major threat to financial security and peace of mind during retirement—which is why it should be on all retirees’ radar screens.In its simplest form, liquidity describes how quickly an asset—such…

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How to Fight Longevity Risk—Stretch Your Savings

How to Fight Longevity Risk—and Aim to Stretch Your Savings During Your Golden Years Increasingly, retirees need to factor in longevity risk to their retirement planning.Simply put, longevity risk is the risk that longer-than-expected life…

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Interest Rates Rise: What’s next?

When Interest Rates Rise: What Retirement Income Investors Need to KnowThe Federal Reserve Board in December voted to raise the federal funds rate, a key short-term interest rate that impacts many other rates—marking only the…

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Rising Costs: Bigger Threat to Retirement Than You Think

Rising Costs: An Even Bigger Threat to Retirement Than You Might ThinkInflation is well understood by most economists and investment professionals, but it’s usually not very clear to individual investors. That includes pre-retirees and retirees,…

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An Alternative to Annuities in a Fiduciary World

REAL SPEND: An Alternative to Annuities in a Fiduciary-Focused WorldThe Department of Labor’s fiduciary rule has given pause to some financial advisors considering the use of variable annuities with their clients. Will the costs and…

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Empowering Financial Advisors in Today’s Dynamic Regulatory Environment

Serving the financial advisor is at the core of Horizon's mission. We understand the challenges that advisors face today, especially those advisors with clients who are entering retirement. With our goals-based investment strategies – and…

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