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Investor Market Segments Articles that deal with certain segments of the demand for investment and financial services, such as small investors, foreign investors, and institutional investors.
Social change:
By John Schroy, on June 25th, 2010 |

Restricted availability of consumer credit and a greater propensity of households to save before spending, may result in less use of credit cards and smaller mortgages. A return, even partial, to saving habits of the 1950s could stimulate economic recovery.
The popular Dave Ramsey radio and TV shows suggest that a societal change in this direction is at least possible. Lower levels of personal debt would boost the economy and make people happier.
Deficit spending
By John Schroy, on June 16th, 2009 |

Foreign flows into US debt markets is down 99.2% from 2006 levels.
In reaction to the profligate behavior of the Pelosi-Reid Congress, foreigners have been moving from financial securities and bank deposits into direct investments and miscellaneous assets, such as real estate.
Continued deficit spending by the Obama administration should drive foreigners to seek safer, non-dollar havens.
The decline of the dollar
By John Schroy, on March 30th, 2009 |

Foreigners hold $16.9 trillion in dollar financial assets, accumulated through years of selling goods and services to the US. Profligate deficit spending by the Pelosi-Reid Congress increases the probability of dollar inflation.
If foreign governments were to convert their holdings of dollar financial assets into non-financial assets, like US REITs, they can guard against dollar inflation. They might also gain a position that, in the extreme, would be against US national security interests.
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