see my post on today’s economy lab

Lots of people moved in to U.S. cities over the past decade – but what happens next? See my post on Seeking Alpha for more.

Aging population – market time bomb?

Okay, that’s a sensationalistic way to put it, but that’s certainly one of the fears people have about an the shifting demographics in North America. Last time around I looked at how portfolio size tends to trend lower as people go past 65. All things being equal, the older the population gets, the more money that is going to be pulled out of the market. Question is, at what point does the ‘market time bomb’ thing go from sensationalism to reality – or does it? Read more →

This is the first in a series of blogs about the way that demographics are going to affect your investments.

Yes, I know there has been a lot written on the topic, and most of us know the basic theory.

The boomers poured a lot of money into the markets over the past couple of decades, and they made the markets go up. Now they are getting old (sorry if that term offends anyone, but the first wave of boomers is cashing in their pension checks as we speak) and they are going to be pulling the money out of their retirement accounts. This will make the markets go down.

Really? Is it as simple as that? Read more →

Baby boomers are going to retire and take down the pension system. Generation X is lazy. Generation Y is spoiled and undisciplined, and they’ve pretty much blown out their eardrums by having them stuffed with ipods all the time anyway. Read more →