Analysis

They capture less of the downside and have lower volatility ratings than non-ESG funds.

For example, clients born in 1960 could collect a lot less than expected, according to Wade Pfau.

On top of business interruption claims due to COVID-19, claims for damages or closures due to the actions of civil authorities are now likely to increase.

According to a recent survey, more than half of employers aren't taking up the IRS on its offer to allow mid-year plan changes.

Millions of employees who don't have the option of working from home also can't afford to call in sick.

Technology and internet access have hampered remote workers' productivity, as have other factors.