The failure of index-linked bond funds to perform post-Covid has really been bothering me. What’s the point of these things if they don’t actually protect you from inflation? Meanwhile, individual index-linked gilts – correctly used – are meant to be a proper inflation hedge. But is that true? Can we empirically prove individual linkers worked … Read more
UK rent inflation is beginning to ease. Over the past 12 months, rents increased by 3.9%, marking the slowest annual growth since August 2021. While rents remain high, the pace of increase has tempered significantly compared to the staggering 12% annual growth seen at its peak in 2022. UK Rent Trends For Landlords The average … Read more
Here’s an email that came to our Animal Spirits inbox this week: A lot of people are wondering the same thing. The overall price level is up more than 20% this decade. Wages have more or less kept up but that’s on aggregate. Those who have seen their wages rise faster than average are offset … Read more
The Centers for Medicare & Medicaid Services (CMS) continues to implement provisions of the Inflation Reduction Act (IRA) to make prescription drugs more affordable. Here are the significant changes to Medicare Part D for 2025 that you need to know about. Overview of 2025 Part D Redesign On April 1, 2024, CMS released the final … Read more
By William Nibbelin, Senior Research Actuary, Triple-I Insurance is priced to reflect the underlying risk of every policy. When more claims are filed and the average amount paid of those claims increases, insurance becomes more expensive. A measure of underwriting profitability for insurance carriers is the combined ratio calculated as losses and expense divided by … Read more
