Options S&p 500 Quotes

One recent study provides an answer. Professors Michael J. Cooper of the University of Utah, Huseyin Gulen of Purdue University, and P. Raghavendra Rau of the University of Cambridge studied 1,500 large companies and how they performed, in three-year periods, from 1994 to 2011. They then compared these companies’ performance to other companies in their same fields. They discovered that the 150 companies with the highest-paid CEOs returned about 10 percent less to their shareholders than did their industry peers. In fact, the more these CEOs were paid, the worse their companies did. Companies that were the most generous to their CEOs—and whose high-paid CEOs received more of that compensation as stock options—did 15 percent worse than their peer companies, on average. “The returns are almost three times lower for the high-paying firms than the low-paying firms,” said Cooper. “This wasteful spending destroys shareholder value.” Even worse, the researchers found that the longer a highly paid CEO was in office, the more the firm underperformed. “The performance worsens significantly over time,” they concluded.

and even Saturn can not impress the S & P500 index.

Security selection refers to the method of construction of portfolios for each of the individual asset classes, beginning with the choice of passive or active management. Passive management, the baseline against which other options must be measured, involves replication of the underlying market. In the case of domestic equities, the S&P 500, the S&P 1500, the Russell 3000, and the Wilshire 5000 represent broad-based indices that provide reasonable definitions of the market and sensible alternatives for investors pursuing passive management. Active management involves making bets against the market, with the investor attempting to overweight attractively priced stocks and underweight expensively priced stocks. The returns resulting from the active manager’s deviations relative to the benchmark represent security selection returns.

As I travel around the financial services industry today, the most interesting trend I see is the one toward relationship consolidation. Now that Glass-Steagall has been repealed, and all financial services providers can provide just about all financial services, there's a tendency - particularly as people get older - to want to tie everything up... to develop a plan, which implies having a planner. A planner, not a whole bunch of 'em... You've got basically two options. One is that you can sit here and wait for a major investment firm, which handles your client's investment portfolio while you handle the insurance, to bring their developing financial and estate planning capabilities to your client's door. And to take over the whole relationship. In this case, you have chosen to be the Consolidatee. A better option is for you to be the Consolidator. That is, you go out and consolidate the clients' financial lives pursuant to a really great plan - the kind you pride yourselves on. And of course that would involve your taking over management of the investment portfolio. Let's start with the classic Ibbotson data [Stocks, Bonds, Bills and Inflation Yearbook, Ibbotson Associates]. In the only terms that matter to the long-term investor - the real rate of return - he [the stockholder] got paid more like three times what the bondholder did. Why would an efficient market, over more than three quarters of a centry, pay the holders of one asset class anything like three times what it paid the holders of the other major asset class? Most people would say: risk. Is it really risk that's driving the premium returns, or is it volatility? It's volatility.... I invite you to look carefully at these dirty dozen disasters: the twelve bear markets of roughly 20% or more in the S&P 500 since the end of WWII. For the record, the average decline took about thirteen months from peak to trough, and carried the index down just about 30%. And since there've been twelve of these "disasters" in the roughly sixty years since war's end, we can fairly say that, on average, the stock market in this country has gone down about 30% about one year in five.... So while the market was going up nearly forty times - not counting dividends, remember - what do we feel was the major risk to the long-term investor? Panic. 'The secret to making money in stocks is not getting scared out of them' Peter Lynch.

David Snavely’s Guide to Fixed-Index Annuities: Secure Growth for Your Retirement.....Planning for retirement requires smart financial decisions to ensure long-term stability and growth. While traditional savings and investment options have their place, many individuals seek a solution that offers both security and market-linked growth potential. According to David Snavely, a trusted financial expert, Fixed-Index Annuities (FIAs) provide a unique balance between protection and opportunity, making them an attractive option for retirees and pre-retirees. What Are Fixed-Index Annuities? A Fixed-Index Annuity (FIA) is a retirement savings product offered by insurance companies. Unlike traditional stock market investments, FIAs offer: ✔ Principal protection, ensuring you never lose your initial investment due to market downturns. ✔ Market-linked growth potential, allowing you to earn returns based on a stock market index. ✔ Tax-deferred earnings, meaning you don’t pay taxes until you start withdrawing. ✔ Lifetime income options, providing a steady income stream for retirement. According to David Snavely, FIAs are not direct stock investments. Instead, your money is linked to an index like the S&P 500, allowing you to benefit from market gains without the risk of direct losses. Why Fixed-Index Annuities Are Popular for Retirement 1. Risk-Free Market Participation Unlike stocks and mutual funds, FIAs ensure you don’t lose money if the market crashes. Even if the market declines, your principal remains safe, making them an excellent option for those who prefer stability over high risk. 2. Predictable Retirement Income FIAs offer customized payout options, including: Lump-sum withdrawals Guaranteed lifetime income Structured payouts for financial security David Snavely recommends FIAs for individuals who want a steady income stream without worrying about market volatility. 3. Tax-Deferred Growth Because FIAs grow tax-deferred, you don’t pay taxes on earnings until you withdraw them. This allows your money to grow faster than taxable accounts, helping you build greater wealth over time. 4. Inflation Protection & Legacy Benefits Some FIAs include inflation-adjusted payouts and death benefits, ensuring your money retains its value and passes on to beneficiaries without going through probate. Who Should Consider a Fixed-Index Annuity? David Snavely suggests FIAs for: ✔ Conservative investors who want market exposure with safety measures. ✔ Retirees looking for stable, predictable income. ✔ Individuals seeking additional tax-deferred growth options. ✔ People who want to leave a financial legacy without complications. Final Thoughts from David Snavely A Fixed-Index Annuity offers the perfect blend of growth, security, and retirement income, making it a valuable tool for many investors. However, selecting the right FIA requires careful planning and expert advice. According to David Snavely, before choosing an FIA, it’s important to assess your financial goals, risk tolerance, and long-term needs. Consulting a financial professional can help you maximize your retirement strategy and ensure financial confidence for years to come.

As David Snavely explains, FIAs are designed for individuals who want steady growth with no risk of losing their investment. Key features include: ✔ Principal protection – Your money is safe, even if the stock market crashes. ✔ Market-linked growth – You earn returns based on an index like the S&P 500. ✔ Tax-deferred growth – Your earnings are not taxed until you withdraw them. ✔ Guaranteed income options – You can choose lifetime payments for financial security.