During most years, the stock market tends to go up in value, 73% of the time since 1928, to be precise.1 Using historical returns as an indicator, in any given year, you’re usually better off investing in ‘the market’ than not investing at all.
Unfortunately, the S&P 500 (often referred to as the ‘the market’), is having one of its worst starts to the year ever and at the time of this writing, the index is down nearly 20% from its January highs.
Given the growing popularity of equity compensation plans amongst the country’s largest corporations, offering stock to employees has become a crucial employee benefit. One of the most common forms of equity compensation are known as Restricted Stock Units, or RSUs for short.
According to a 2020 survey from Charles Schwab, 5 in 10 millennials said that equity compensation was one of the main reasons why they took their job. Clearly, equity compensation is playing an increasingly important role in attracting and retaining talent in today’s labor market.
Each year the Social Security Administration releases their Annual Trustees Report, which provides information about the projected funding levels of the Social Security trust fund. Unless you’re looking for great bedside reading material, you probably haven’t read this year’s report. Here’s the TLDR version – the Social Security trust fund will run out of money by 2033.