The Morning Pulse – Thursday, October 29, 2020

October 29, 2020                                                                                SUBSCRIBE

• Where to stash your cash: Brick-and-mortar vs. online savings accounts ; 3 Ways To Invest As The Election Draws Near  ; Investors Remain in the Neutral Zone as Election Anxiety Stays High
• Three benefits of financial planning as the pandemic takes it toll ; You don’t have to be wealthy to hire a financial advisor
• Active Funds Struggle To Keep Up With Indexes ; What happens when the lights go out? An analysis of ETFs when liquidity vanishes ; The $2.5 Trillion Window for Diversification and Opportunity
• Robo-advisors broaden sway amid pandemic ; Robo-advisors cannot replace human financial planners
• 5 Credit Mistakes That Can Haunt You ; Why you shouldn’t use your 401(k) to pay off a mortgage
• Two accused of orchestrating $6400 check scam
• How to create a farm that endures ; Estate Planning: Is it time for the “Talk”? ; Year-End Charitable Giving: 3 Things to Know About Donating Points and Miles

• Researchers link severe COVID-19 cases to mental decline equal to aging a decade ; How effective will a COVID vaccine be for older adults?
• When It Comes to Aging Parents, Information and Solidarity Are Key ; Why Seniors Should Be Proactive About Estate Planning

• Improving healthcare literacy could save billions, improve outcomes
• Healthcare Leaders Find AI a Top Digital Health Priority for 2021
• The Relationship Between Retirement Plans and HSAs
• Therapy patients in Finland blackmailed after data breach
• Even vampire bats practice social distancing when they get sick: study

• SC students can improve their economic futures through new financial literacy program ; National Financial Literacy Bureau launched
• The Top 529 College Savings Plans of 2020 ; College-Aged People Report Symptoms of Depression During the Pandemic
• Next Steps for Higher Education in India

• Digital identity apps to outnumber cards by 2023 — Juniper Research ; Most Americans lax about protecting personal data ; BlackRock-backed robo-adviser scrambles to reassure customers after data breach
• Cybersecurity provides opportunities for auditors to serve ; Cybersecurity is a year-round priority
• Does Venture Capital Attract Human Capital? Evidence from a Randomized Field Experiment
• Visa’s Planned Purchase of Plaid Faces Antitrust Scrutiny at the Justice Department ; World’s largest IPO shows power of mobile payments in China ; Don’t Even Try Paying Cash in China
• After going all-in on Amazon, a merchant says he lost everything ; India could contribute up to 20% of Amazon’s growth in next 5 years
• Twitter’s Jack Dorsey to warn ‘eroding’ Section 230 could ‘collapse’ Internet communication

• Collapse of three-legged stool threatens retirement security
• Bad News on IRA and 401(k) Contribution Limits for 2021 ; 4 Tips to Engage Workers in Retirement Planning ; The under-the-radar 401(k) tax benefit every planner should be trumpeting to clients ; ‘Work and a few vacations each year is all we’ve done for the past 34 years’ — This couple has $2.6 million and no idea where to retire3 Things That (Seem to) Scare Plan Sponsors
• Big Changes May Be Coming To 401(k), IRA And Other Retirement Plans ; House lawmakers unveil bipartisan retirement security package ; Former EBSA Head Rutledge Challenges Private Equity Critics
• Number Of Households With Protected Retirement Income On The Rise ; Annuities have a lot of value in today’s consumer world because of the guaranteed income they provide;
• Equitable Reaches Deal With Venerable to Reinsure $12 Billion in Annuities ; ‘Secure Act 2.0’ Could Expand Use of ETF-Like Options in Variable Annuities
• Officials looking to plug retirement gaps with state plans

• Public plans’ social investing may impact returns, social goals
• How to start defusing NYC’s pension bomb
• Legislation to reform pension systems heads to Wolf
• Peoria city council debates ways to fund public safety pensions
• ESG Investing and Public Pensions: An Update ; How Investment Teams Waste Their Time
• Unisys to transfer $1 billion in US pension liabilities

• Pension recovery stalls as fund growth falls below 2% ; Dutch pension funds’ financial position improved
• Asia’s pension systems forced to cut back under COVID pressures
• Where have all the Robos gone?
• UK pensions regulator warns trustees over signs of employer distress ; Pensions Regulator’s new long term strategy recognises shift from ‘Generation DB’ to ‘Generation DC’
• Dismantling The Estonian Pension System Is Not The Answer
• Old British Steel Pension Secures $2.6 Billion Buy-in; Buyout Expected in 2021
• How retirees can combat low interest rate term deposits
• New court dates set for next stages of First Nations annuities case

• US core capital good orders hit six-year high; consumer confidence ebbs ; Gold prices end higher as US consumer confidence slips ; The Senate is adjourned until after the election without a stimulus deal. Here’s when the remaining CARES Act benefits expire
• AAA Reports Gasoline Demand Drops to Lowest Level in Four Month ; Oil Rises on Weaker Dollar and Storm Supply Disruptions ; US oil producers bet on $42 oil prices in 2021 ; The oil market outlook: Lasting scars from the pandemic
• Over half of Brits’ pensions may be invested contrary to their moral values ; Climate-linked factors top ETF investor demand ; Private equity shifts its attention to renewable energy
• Regional Economic Outlook: Middle East and Central Asia ; South Korea’s Economic Recovery Driven by Coronavirus Response, Exports ; What will a 0.1% interest rate mean for Aussies?

• Hedge Funds’ Shot at Keeping Stock Investments Secret Fades ; Public Opinion Puts SEC Proposal on Limiting Hedge Fund Equity Holdings in the Trash Bin
• CalPERS’ next investment chief urged to up its stake in private equity
• Why PayPal’s Bitcoin Support Is a Big Deal ; Fintech experts divided on form for US central digital currency
• The Real Estate Market Is Volatile: Why You Should Wait To Invest ; How Spain’s 2020 Real Estate Market Is Different From 2008