Chart: Average Commission Per Share on the New York Stock Exchange Has Never Been Lower

While at first glance, it might seem that stock brokers aren’t making quite as much as they used to, a closer look at the chart below courtesy of Deutsche Bank reveals how well they’ve adapted and profited from the evolving modern market.

Average Commission Per Share on the New York Stock Exchange

Over the twenty three year period, between 1983 and 2003, the average commission has fallen nearly five-fold, while the volume of traded shares has gone up by nearly 100 millions shares a year. So while there is plenty of opportunities to take a piece off the top for traders, they aren’t taking nearly as big a bite as before. Their business model has pivoted away from the high fees imposed on a few investors, and more toward a volume-based nibbling of a much much larger pie. As more shares and more investors enter the market, the fees may keep trending lower, while the profits for traders will most likely continue to rise with the increased volume.

Effective Federal Funds Rate

This is graph shows effects in federal funds rate between 2006 to 2014.

Effective Federal Funds Rate
Via FRED

Between 2006 to 2008 it was very high. But after 2008 it is continuous going down. The rate of increasing federal funds rate not very good. First two year’s it is going down, but after that from 2008 to 2014 (6 years) it is continuously going down. It is not good sign. It shows negative mark near 2010 to 2014 it is almost finish. It is not showing any chance to grown up the federal funds rate. The government will need to take some better actions for it to continue to grow up.

Impact of US CEO’s on Companies Has Never Been Higher

The image describes the positive impact of CEOs on businesses for twenty year rolling periods. The time period used is 1950 to 2009 — a period of fifty nine years. The scale used indicates year and impact in percentage.

Impact of US CEO's on Companies Has Never Been Higher

At first glance, it appears that CEOs have had a huge impact on the business market, with their contributions seemingly taking up more than half of the graph, but closer inspection proves differently.

Actually, the CEO contribution to business improvement has been at an unsteady rate of ten percent for the six decade time period.

For the first thirty years, CEOs have contributed about ten to fifteen percent impact, starting from 1950 to 1980. For the most part, the CEOs have contributed to the lower range of the ten to fifteen percent frame, with an interesting surge for the last four years of the first half of this For the last four years of this period, CEOs made impact of fifteen percent or higher. A significant increase from the last twenty-six years.

From 1980 to the end, however, CEO impact was significantly raised when compared to the first half. Whereas they had previously made almost minimal impact — less than five percent impact for thirty years, CEOs initially began making about fifteen percent impact or slightly more for the first fifteen years and then twenty percent or near to twenty percent more impact after that.

Old People’s Spending Habits Are Bad for the Economy

Because the United States is largely a consumer spending based economy, keeping an eye on spending habits is integral to the understanding and predicting future trends and economic growth. Economists need to know who buys what, how much they spend, and when in their life they spend their money. They cross reference this data with the demographic makeup of the country to get a better idea of which direction the economy is headed.

The Way Old People Spend Is Bad News for the Economy
via JP Morgan Asset Management

As you can see above that data shows that spending on all products and services tend to taper off after American’s forty-fifth birthday, housing and healthcare being the only two exceptions, which bodes poorly for everyone who isn’t a nurse or a real estate agent. With a large number of American baby-boomers headed into retirement, their reluctance to spend on common goods and services can act as a bit of a drag on a consumer based economy, but, on the other hand, adds certainty to the very important housing market and health care industries.

How Much You Need to Be Saving to Have $1,000,000 at Retirement

One of the realities of life is that you can not remain young forever. This is one of the major reasons why it is good to save for retirement. However, saving for retirement could be a very tough decision but gut is needed here to make it successful. So, if you have made up your mind to retire a millionaire before clocking fifty.

via Business Insider

Just take the bull by the horn and follow this expert advice: – Ensure you start your savings very early – Set aside some amount from your monthly savings as a starting point – Ensure you are saving close $700 a month in order to become a millionaire before you a fifty years starting from 20 years. – Let your savings match the return rate as shown in the charts