To be honest, the better performance by the U.S. versus the rest of the world is not entirely unexpected after a strong year for international stocks in 2017. Tax changes and less regulation have stimulated the U.S. economy, but the markets have recently started to gravitate to the idea that the U.S. represents the only investment opportunity in the world. Although Pension Boards’ Funds are allocating a majority of assets to U.S. investments, most experts know the benefits of diversification over the longer term, and international markets should not be ignored, especially when they hold value for the longer-term.
We thought you would like to see a current assessment of emerging markets by GSAM. We will continue to keep you informed on trends influencing global markets and your retirement funds.
*The EM Comeback report is used with permission of Goldman Sachs Asset Management.
Highmark recognizes how important it is to help those affected by natural disasters, so we’re putting temporary program changes into effect for those who are affected by Hurricane Florence. For those who reside in areas where States of Emergency have been declared, the following waivers have been put in place:
Have you ever walked out of a doctor’s office and forgot to ask a question about a symptom you’ve been having, or brought home a new medication and couldn’t remember if you were supposed to take it with a meal?
A little preparation before your next visit can help you ensure you’re getting the most out of your doctor visits, and ensure you’re being an active participant in your health – saving you time, money and worry. You can get more from your doctor visits by following these tips:
Before you go…
While at the visit…
In most cases, parents should carry life insurance for as long as their children depend on them financially. This is particularly true for single parents, especially those who are their children’s sole provider. It’s important to make sure that if you were to die, there would be enough resources available to support your children until they’re able to earn a living on their own.
Every adult needs certain estate plan documents. Among the essential documents for protecting the financial and emotional well-being of your loved ones are a will; beneficiary designations for life insurance, retirement plans, and IRAs; powers of attorney; and a living will. Making sure your beneficiary designations are up to date and creating a will should be your top priorities, as these items form the foundation of your estate plan. And, if you’re a single parent, a will plays an even more important role than usual in your estate plan.