http://www.emilylaermer.com/home daily 1.0 2018-03-29 http://www.emilylaermer.com/interactive daily 0.75 2018-03-29 https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aad76c4758d463a2226c9ed/1521318093368/retirement-and-taxes.png Interactive Retirement and Taxes: Retirees Flock to Tax-Free States Retirement-aged individuals are more likely to move to state that don’t have sales, income, pension or social security taxes. This graphic examines how the population has grown for older Americans in each state, based on the types of taxes they charge https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aad75a903ce64db74ceacdf/1521318093367/anatomy-of-a-fund-fee.png Interactive The Anatomy of a Fund Fee All investors pay fees for their mutual funds, but few know what their money pays for. This interactive feature spells out what each of the fees are, what they're used for and how much they cost for different types of funds.     https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aaf21922b6a28af3ed5c56a/1521426838922/0417-IG-DOL-Timeline-rhc.png Interactive Wild Ride: The Fiduciary Rule’s Dizzying Year Firms spent about 12 months preparing themselves for the Department of Labor's fiduciary rule before the Trump administration announced it would delay, or potentially ax, the rule. This interactive timeline explores some of the milestones reached as firms readied themselves for the regulation. https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aad766a03ce64db74cec9e3/1521318093365/The-Breakdown-RHC.png Interactive Before and After: A Look at the New Proposed Form 5500 The Department of Labor has proposed overhauling the disclosure form that's required for all retirement plan sponsors. This interactive graphic shows every proposed change.   https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aad7c56aa4a99e02175ed3b/1521319233251/census-rhc.png Interactive Alaska, Delaware Retirees Get Nation’s Biggest Raise Retirees in Alaska and Delaware saw their retirement income surge more in 2016 than any other states, according to Census data. These interactive graphics illustrate how retirement income has changed in each state.   https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aaf202170a6adbf54dd0eaf/1521426472420/rhc-clocks.png Interactive Floating Around the Clock: When NAVs Will Strike Regulation from the Securities and Exchange Commission allow money market funds to set their prices multiple times a day, or strike their NAVs. These interactive clocks show which firms plan to announce their prices at what time.   http://www.emilylaermer.com/about-me daily 0.75 2018-03-29 https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aaf2626758d463a225c6a98/1521428012445/1669753_10203746208079190_3607181475963167270_o%281%29.jpg About Me http://www.emilylaermer.com/investigative daily 0.75 2018-03-29 https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aaf1857f950b791b586b161/1521424475148/0218-IG-Guns-and-Funds-Charts-rhc.png Investigative Who’s Holding: 10 Fund Shops Most Exposed to Guns I crunched the numbers to determine the 10 mutual fund providers are most exposed to five of the largest publicly traded gun-related stocks. These ten firms, controlling a combined 89 million shares of these firms. Some, like BlackRock, plan to use their ownership positions to stop gun violence. https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aaf1ec0aa4a99e021a9997f/1521426143340/0118-IG-Management-Fees-Infog-rhc.png Investigative Cheapest Index Funds? (Hint: It's Not Vanguard) Vanguard is known as a low-cost fund provider. However, when it comes to index-tracking products, they're the industry's fifth cheapest. I analyzed fees from thousands of mutual funds to determine that the index products manufactured by Fidelity and BlackRock cost half as much as Vanguard's.   https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aad7ac02b6a28af3ea1640f/1521318660639/anatomy-of-a-fund-fee.png Investigative PM Turnover Balloons 34% as Investors Snub Active In 2016, investors pulled $349 billion out of active mutual funds. Also that year, 2,348 portfolio managers were pulled from active funds' prospectuses, the highest number since at least 2012. I analyzed 25,000 records to determine how and why turnover has accelerated. The first in a three-part series. https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aaf1a0d2b6a28af3ed48e70/1521424944367/gc-rhc.png Investigative Legal Leaders Got C-Suite's Biggest Pay Bumps in 2016 Regulations and broader job responsibilities boosted the median pay for the industry's top legal executives by 12%, to $1.7 million, company filings show. I examined proxies from some of the largest public asset management firms to determine which general counsels and chief legal officers took home the largest paychecks in 2016. https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aad80df352f533ca5493386/1521320200875/0817-IG-Share-Class-Charts-rhc.png Investigative What the DOL Share-Class Shuffle Actually Saves Investors The Department of Labor's fiduciary rule has spawned two new share classes. But certain details about one still remain unknown and it may not actually end up saving investors in the long run. This analysis examines how much investors will pay each year for the new and old types of classes to determine whether the new fund type is actually worth it. https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aad79402b6a28af3ea12987/1521318216327/Fees-vs-Sales-Charts-rhc.png Investigative Cutting Fees to Lure Sales? Think Again Companies constantly trim their prices to make their funds more marketable to investors. But cutting fees doesn't always mean that sales will grow. I analyzed pricing, sales and performance records of thousands of funds to determine that those that cut their fees are no more likely than those that don't to see their sales grow.. This is the first in a five-part series. http://www.emilylaermer.com/video daily 0.75 2018-03-29 https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aad7f1088251b5630483fab/1521319753698/dcio-video-rhc.png Video DCIO Marketing Budgets, Compensation Drop The average marketing budget and compensation for a group of sales professionals dropped between 2015 and 2016. This video examines recent trends in their team structure and pay.   https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aad7e7c0e2e725448ca8de1/1521319558778/smart-beta-video-rhc.png Video Industry Pros Not Ready to Invest in Smart Beta: Survey Investors are funneling money into smart-beta products, but many of the industry professionals who sell them don't have any in their personal portfolios. This video explores industry workers' thoughts on these products.   https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aad7f84562fa7d5c7fb69a2/1521319824046/clean-shares-rhc.png Video DOL Delay Won't Wash Away Clean Shares: Industry The fiduciary rule prompted fund companies to begin building out a type of mutual fund called "clean shares," which have a different fee structure from other types of funds. But the rule is now in limbo. This video explores what fund managers think will happen to this category of fund. http://www.emilylaermer.com/contact daily 0.75 2018-03-19 https://static1.squarespace.com/static/57cde111d482e9784e50de8b/t/5aaf286c758d463a225cbd9b/1521428673191/persbilde.jpeg Contact