Category : Retirement

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Obamacare and the effect of it’s implementation on health care stocks

It is estimated that in 2014, as many as 30 million new people will be able to purchase private insurance on the federal or state regulated exchanges.  With a current population of about 317 million people living in the US, this represents a nearly 10% increase relative to the current population.  While cost savings will surely be wrung out of the system, we expect that a significant portion of this additional 10% will show up as additional earnings and profits by many of the companies represented by the health care industry, including hospitals, large pharmaceutical, and biotech companies.  And while the sickest segment of the population will continue to be heavily burdened with high medical costs, it is advisable especially for this segment to overweight their portfolios with health care stocks over the next 2 years so that the costs incurred can be at least partially offset by gains made by the health care companies.

Helping You With Retirement



We can help you understand and meet your retirement needs.  One tool that we use to do this is the Blackrock CORI Index, which does a pretty decent job of calculating the future income that your current savings can provide, based on 1) Interest rates, 2) Inflation forecasts, 3) Risk adjustments, 4) Life expectancy, and 5) Cash flow presumptions.

The CoRI Retirement Index (CoRI Index) provides a daily “level” that can be used to calculate an estimate of how much annual income your current savings could generate as early as 10 years before retirement. Specifically, your CoRI Index level helps you determine an estimate of how much money you need today to generate each dollar of future, inflation-adjusted annual lifetime income starting at age 65.


For more information on the Cori Index please visit:

Contact us to learn more!