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In the U.S., hundreds of billions of dollars of mortgages are issued every year. Mortgages that meet certain government requirements (loan size, LTV ratio, etc.) can be sold to or guaranteed by government backed agencies, including Fannie Mae, Freddie Mac, and Ginnie Mae.

In the U.S., hundreds of billions of dollars of mortgages are issued every year. Mortgages that meet certain government requirements (loan size, LTV ratio, etc.) can be sold to or guaranteed by government backed agencies, including Fannie Mae, Freddie Mac, and Ginnie Mae.

We generally believe there is a place and time for most structured annuity segment types given their hedge characteristics and the strong levels of definition that clients truly appreciate.

In the spirit of the holiday season, I would like everyone to repeat this stat a few times out loud: “Estimated holiday sales for 2019 are expected to be roughly $143 billion,” according to Adobe Analytics.

Clients should understand that the 2020’s may be another lost decade for equities, and passive strategies may prove to be underperformers.

Since stocks began their massive rebound from the Global Financial Crisis in 2009, and particularly the years between 2016 and 2018, equity declines have been so sudden and limited that long-term trend following has not had enough time to re-position effectively.

Since stocks began their massive rebound from the Global Financial Crisis in 2009, and particularly the years between 2016 and 2018, equity declines have been so sudden and limited that long-term trend following has not had enough time to re-position effectively.