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CIP Quips

Enigmas Wrapped in a Vest

Did you know...

According to a Deloitte Touche Tohmatsu Limited study, Millennials invest less than 30% of their wealth in the stock market.   A study done by Bankrate.com stated that 30% of millennials believe that the best long-term investment is cash.  The term Millennials refer to 18-37 year olds and arguably the toughest demographic segment to grab investments from. Why do millennials favor cash? Several reasons for the cautious long-term investment outlook could be scars left by the financial crisis, having tons of debt or parents overemphasizing the need to save.  Interestingly only 37% of older respondents “cite the stock market as their top investing choice.”  Financial education may be the easiest way to target this demographic, on strategies that emphasize cash growth for example.

Our thoughts:

We know that there are talented financial professionals that could help millennials save more or help grow their savings more wisely.  Millennials seem to be overly cautious and that comes at a cost.  Many have borrowed against their retirement accounts such as 401Ks and IRAs to finance home purchases, according to a survey from Bank of the West.  Bankrate.com states that just 18% are earning more than 1.5% on their savings.  Let us help show you how a risk-conscious approach is suitable for most savers, not just retirees.   CIP is a solution for cash flow, not for total return. As income investors, we appreciate that total return includes interest, capital gains, dividends, and distributions that are realized over a certain period. Instead of reaching for that high total return in today’s market place, we strive for reducing risk and providing investors with a sustainable and substantial income stream.  Younger investors can take advantage of the compounding of interest income, which when reinvested could get more dramatic as time goes by.



This information is intended solely to report on investment strategies and opportunities identified by Roosevelt. Opinions and estimates offered constitute our judgment and are subject to change without notice, as are statements of financial market trends, which are based on current market conditions. This material is not intended as an offer or solicitation to buy, hold or sell any financial instrument. References to specific securities and their issuers are for illustrative purposes only and are not intended to be, and should not be interpreted as, recommendations to purchase or sell such securities. Please contact us at 646-452-6700 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions, or if you would like to request a copy of our Code of Ethics. Our current disclosure statement is set forth on our Form ADV Part II, available for your review upon request, and on our website, www.rooseveltinvestments.com.

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The Roosevelt Investment Group, Inc. is an independent investment management firm that is not affiliated with any parent organization. The Roosevelt Investment Group, Inc. manages domestic equity, international equity, domestic fixed income, global fixed income, and balanced assets for primarily U.S. clients. The Roosevelt Investment Group, Inc. is an investment adviser registered with the U.S. Securities and Exchange Commission and notice filed in all 50 states.

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