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Blogs by Denise Valentine

August 1, 2018

As a society we must look forward. Having failed to plan for a few decades now, we the people face a retirement crisis. Nothing is in place today to stop the disease from attacking our young.

February 20, 2018

Clean shares are popping up in the U.S. Several firms, including Capital Group, Janus Henderson Investors, MFS, and T. Rowe Price, offer them. The shares came about from a Securities and Exchange Committee no-action letter issued on January 11, 2017, responding to Capital Group’s request for interpretative guidance on Section 22(d) of the Investment Company Act of 1940.

September 25, 2017

Everyone admits defined contribution (DC) plans were never designed to be the default retirement vehicle. But here we are. For the masses—no, those lucky enough to have one—DC plans are the default.

When will we act for an effective retirement system? Defined benefit plans are essentially gone. The Social Security system is questionable. Congressmen are talking about removing the DC-plan tax deduction.

August 8, 2017

Money isn’t everything, but it certainly helps create choices in life. Yes, investing can be tricky with many options and fine print. Still, the biggest obstacle for the average person is not investing; it is the saving bit. Saving requires discipline and, in some cases, sacrifice. It means spending less than you earn, though you’re surrounded by lots of temptation.

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Denise Valentine is a senior analyst at Aite Group in the Wealth Management practice focusing on investment management topics including portfolio technology, research and operational outsourcing services, and business transformation due to regulation and disruptive technology, such as digital platforms and artificial intelligence. Ms. Valentine also looks at the retirement industry and its trends. Ms.