50% of retirees left the workforce earlier than planned.*

*2015 Retirement Confidence Survey, EBRI

Only 48% of Americans know how much money to save for retirement.*

*2015 Retirement Confidence Survey, EBRI

57% of U.S. workers have saved less than $25,000 for retirement.*

*2015 Retirement Conference Survey, EBRI

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Earnings Season Recap: Strong Growth, Big Upside, Now What? | Weekly Market Commentary | March 3, 2025

Earnings Season Recap: Strong Growth, Big Upside, Now What? | Weekly Market Commentary | March 3, 2025

Fourth quarter earnings season is nearly complete, and it has been a good one. S&P 500 companies grew profits more than 18% year over year, according to FactSet data, with mega cap technology and financial companies doing most of the heavy lifting (about seven points of growth came from each). The Magnificent Seven grew earnings by an average of 37% and financials earnings jumped 50%.

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Refinancing ZIRP | Weekly Market Commentary | February 24, 2025

Refinancing ZIRP | Weekly Market Commentary | February 24, 2025

The U.S. Treasury market is entering a significant transition period in 2025, facing both structural adjustments and all-too-familiar policy discussions. As the Federal Reserve’s (Fed) shift from a zero interest-rate policy (ZIRP) coincides with a substantial $7.5 trillion refinancing cycle, markets are also preparing for another round of debt ceiling negotiations.

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