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2021-09-08 at 16:05  Timo Löyttyniemi
Phenomena stemming from climate change are attracting widespread attention. Last summer events such as floods in Central Europe and forest and bush fires across the world made it clear that insurance policies fail to cover all loss and damage....
2021-06-11 at 10:18  Timo Löyttyniemi
Index investing is often misunderstood. People say it’s easy. You just pick an index fund to invest in. Right, but before reaching this point you need to make a number of choices. Fact is that index investing is a much broader concept than people...
2021-05-12 at 11:52  Timo Löyttyniemi
The size of the population and labour force are central to any assessment of economic development. Economic activity can be explained by population size. Incomes, consumption and savings can be explained by demographics. The strain on public...
2021-03-12 at 12:17  Timo Löyttyniemi
Now it is clear: Bill Gates is a wise man. Recently, he published a book entitled ”How to avoid a climate disaster: The solutions we have and the breakthroughs we need”. He doesn’t complain or brag. He doesn’t blame others or criticise. He...
2021-03-02 at 12:40  Timo Löyttyniemi
Inflation has not made a comeback, but it has resurfaced as a subject of debate. There are several reasons for this. One is nostalgia, because many fear an overall fall in prices. Another reason is the heavy debt burden of states and a lot of...
2021-02-04 at 13:56  Timo Löyttyniemi
It’s seldom that anything this interesting happens. Web postings by small investors triggered a price rally which got a major hedge fund into trouble and caused it to lose 50% of its assets. This event will have wide-ranging consequences. But it’s...
2021-01-28 at 16:24  Timo Löyttyniemi
The debt burden of nations has been growing in recent years. As a result of the coronavirus crisis, sovereign debt has reached a substantially higher level. Currently, the government debt of the euro area countries stands at 101.7 per cent of GDP....
2020-12-16 at 11:49  Timo Löyttyniemi
The investment market is always challenging. Up to the present day, a diversified portfolio has generated sufficient returns in the long term. But the road is bumpier when it comes to short-term investments. While the prospects for 2021 inspire...
2020-11-11 at 8:23  Timo Löyttyniemi
The most important piece of news this autumn was China’s pledge that the country would become carbon neutral by 2060. While it may not have come as a surprise, the declaration will have major implications on world politics, international...
2020-10-30 at 13:51  Timo Löyttyniemi
A book about a crisis is seldom published before it happens. Normally, a large amount of writings are released after the fact. An exception to this rule is ‘Pale Rider – the Spanish flu of 1918 and how it changed the world’ by L. Spinner which...
2020-09-29 at 11:17  Timo Löyttyniemi
The buzz word of the season is ‘wave’. Most people knew to be prepared for a second wave of the coronavirus. Now it’s here, and the pandemic appears to be accelerating, as expected. What is surprising, however, is that there are many different...
2020-08-10 at 14:05  Timo Löyttyniemi
Pension investing is an interesting field of activity. It pursues important social goals while at the same time being at the heart of the financial markets. Pension investing affects all citizens. Even if it is often perceived as a black box, the...
2020-05-29 at 15:05  Timo Löyttyniemi
The success of an institutional investor depends on a number of variables. Planning has its limits, as the investor is always at the mercy of the markets. Forecasts only go so far because they seldom come true. Recently, when giving a...
2020-05-14 at 10:03  Timo Löyttyniemi
Many people may have been puzzled by the sharp recovery of stock market during the past weeks. Since the lows of March, equity prices have risen by 30 per cent. To summarise, one could say that it’s too good to be true. Listed here are six reasons...
2020-04-17 at 9:24  Timo Löyttyniemi
We have been watching the spread of the coronavirus in amazement and following the massive measures being implemented to counter it. Decision-making has focused on human health, hospital capacity, intensive care and the number of deaths. Public...
2020-04-07 at 15:04  Timo Löyttyniemi
Pension investors have a lot to think about amidst the coronavirus crisis. How long will it last and what sort of impact will it have? When is it advisable to reduce and when to increase risk? When will the markets and the economy recover? Often...
2020-03-24 at 12:45  Timo Löyttyniemi
With the spread of the coronavirus, we people tend to seek guidance from the past. Are there any past events similar to current developments? Would they give us pointers as to the future? There is no shortage of information, particularly for those...

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