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By , the elderly will outnumber young people for the first time in American history. This graying of the U. As baby boomers retire, state budgets are likely to feel a significant financial pinch when it comes to pension obligations. It is simple math: States could look to address some of these issues by offloading funding obligations to local governments.

This, in turn, could prove to be a major problem for municipalities, which, on average, depend on state governments for a third of their revenue. Medicaid, which helps pay for the healthcare of low-income citizens and their children, the disabled, and the elderly. However, while Social Security and Medicare are funded out of trust funds, state funding for Medicaid are drawn from the states' general revenues.

Although Medicaid spending today is already a large line item, it is dwarfed by state spending on education. What happens to education funding when state budgets are squeezed by ballooning Medicaid costs and unfunded pension obligations on a historic scale? After all, the two expenditures have already been chewing up the highest proportion of state budgets since the s.

Indeed, this is already happening. State funding for higher education and state revenue sharing has been in decline since These cuts to state education spending could also further exacerbate inequality in poor school districts that cannot rely on high property taxes to raise the funds necessary to cover a shortfall.

Already, in 23 states, state and local governments are spending less in poorer school districts than they are in more affluent ones. Individual investors in municipal bonds have long basked in the relative "security" of the overall credit quality and reliability of the income stream.

But some of the underlying tremors identified here suggest that, without forgoing the opportunity for tax-free income, the allocation of investible resources in a municipal fund, such as an ETF, may offer added protection. Simply, a portfolio of 10 different bonds cannot provide the same level of security as an ETF with 1, different bonds. The challenges discussed are most certainly significant to the baby boom generation, as they are to the entirety of those investing in tax-free income, but ETFs can offer investors a way to access potential opportunities.

Roderick, and Mathew D. The New Fiscal Ice Age. There Are Two Big Reasons. This content is published in the United States for residents of specified countries. Investors are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this content. Nothing in this content should be considered a solicitation to buy or an offer to sell shares of any investment in any jurisdiction where the offer or solicitation would be unlawful under the securities laws of such jurisdiction, nor is it intended as investment, tax, financial, or legal advice.

Investors should seek such professional advice for their particular situation and jurisdiction. VanEck does not provide tax, legal or accounting advice. Investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service.

Please note this represents the views of the author and these views may change at any time and from time to time. Current market conditions may not continue. Non-VanEck proprietary information contained herein has been obtained from sources believed to be reliable, but not guaranteed.

No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission of VanEck. All indices listed are unmanaged indices and do not reflect the payment of transaction costs, advisory fees or expenses that are associated with an investment in a fund. Certain indices may take into account withholding taxes.

An index's performance is not illustrative of a fund's performance. Indices are not securities in which investments can be made. The Bloomberg Barclays Municipal Bond Index is considered representative of the broad market for investment grade, tax-exempt municipal bonds with a maturity of at least one year.

Bonds and bond funds will decrease in value as interest rates rise. Additional risks include credit, interest rate, call, reinvestment, tax, market and lease obligation risk.

High-yield municipal bonds are subject to greater risk of loss of income and principal than higher-rated securities, and are likely to be more sensitive to adverse economic changes or individual municipal developments than those of higher-rated securities. Municipal bonds may be less liquid than taxable bonds. The income generated from some types of municipal bonds may be subject to state and local taxes as well as to federal taxes on capital gains and may also be subject to alternative minimum tax.

Investing involves substantial risk and high volatility, including possible loss of principal. An investor should consider the investment objective, risks, charges and expenses of a fund carefully before investing.

To obtain a prospectus and summary prospectus , which contain this and other information, call Please read the prospectus and summary prospectus carefully before investing. State Pension Budget Pinch As baby boomers retire, state budgets are likely to feel a significant financial pinch when it comes to pension obligations.


Aging Baby Boomers: Implications For Munis | Seeking Alpha

Conditions are ripe to make home sharing an option for many women. Four million women age plus live in U. Women, on average, live about five years longer than men.

Adult children are often far away. And since , the overall divorce rate for the plus demographic has doubled. Add the recession, rising health care and housing costs , and longer lives to the reasons for shared housing's popularity. Live with a stranger? Few could deny that there are emotional and physical benefits from friendship and social engagement — and research supports this.

In a home share, the residents can also split household chores, feel safer with more people around, and grow older at home without feeling isolated. McQuillin has the third-floor bedroom, bathroom and office; Bush, a second-floor bedroom and private bath that adjoins her office; and Machinist has the master suite. Every month, the women deposit the same amount into their joint checking account to pay for utilities, property taxes and repairs.

They have house rules, including no overnight guests for more than seven consecutive nights, with built-in flexibility. The three have coauthored a book titled My House, Our House: Another home sharer, Marianne Kilkenny, 63, not only owns a house-sharing coaching business in Asheville, N. From Dreaming to Doing" , but lives with three other women ages 48 to 69; two are divorced, another never married. They share living areas, including a screened-in back porch where they eat in good weather.

The women have a meal together at least once a week as well as a weekly meeting. There are rules, such as hours when they can't do laundry or must be quiet in the halls. Everyone must be notified before guests, such as boyfriends or children, visit. Chambers' son, Jason, is a college dean and father to young children, and he lives more than two hours away. When Kilkenny first moved in at night two years ago, someone left the light on for her.

Not having your own place can also involve compromise. Sharing means less privacy and dealing with someone else's habits. The baby boomers found that their music, most notably rock and roll , was another expression of their generational identity. Transistor radios were personal devices that allowed teenagers to listen to The Beatles , the Motown Sound , and other new musical directions and artists.

In the study of U. Some debate exists regarding the generational identity of those born from to , as some demographers and researchers consider these individuals to be part of the younger demographic cohort, Generation X.

The density of Baby Boomers can put a strain on Medicare. According to the American Medical Student Association , the population of individuals over the age of 65 will increase by 73 percent between and , meaning one in five Americans will be a senior citizen.

As of [update] , it was reported that, as a generation, boomers had tended to avoid discussions and long-term planning for their demise. In , the earliest baby boomers If someone uses Strauss and Howe's range of reached a common retirement age in the United States: Boomers are often associated with the counterculture of the s , the civil rights movement , and the "second-wave" feminist cause of the s. Conversely, many trended in moderate to conservative directions opposite to the counterculture, especially those making professional careers in the military officer and enlisted , law enforcement, business, blue collar trades, and Republican Party politics.

They are also associated with the spending trends and narcissism of the "Me" generation. People often take it for granted that each succeeding generation will be "better off" than the one before it. When Generation X came along just after the boomers, they would be the first generation to enjoy a lesser quality of life than the generation preceding it.

Baby boomers continue to have a significant effect on politics, as the United States presidential election, came down to two controversial candidates in Hillary Clinton and Donald Trump , both boomers, with a majority of Trump's support coming from the Baby Boomer generation. Bill Clinton , George W. Bush and Donald Trump. From Wikipedia, the free encyclopedia.

For the video game, see Baby Boomer video game. Aging in the American workforce. Three American Presidents were born in Bill Clinton 42nd , George W. Bush 43rd , and Donald Trump 45th. Univ Of Toronto Press, p. Archived from the original on February 6, The History of Americas Future, to Where Millennials end and post-Millennials begin".

Retrieved May 8, Marketing to Leading-Edge Baby Boomers: Perceptions, Principles, Practices, Predictions. Boom, bust, X and why". The Globe and Mail. Archived from the original on May 20, Retrieved August 27, University Of Toronto Press, p. Babies Mean Business", Newsweek , August 9, Archived January 28, , at the Wayback Machine. Casey July 19, Strategies for an Aging Workforce".

National Institute for Occupational Safety and Health. This experience gives them a great advantage over younger entrepreneurs. The Guidant Financial survey was carried out between November 28, , and December 1, More than 2, male and female small business owners and aspiring entrepreneurs responded to the email survey across the US, including Alaska and Hawaii.

The participants ranged in age from 18 to over The survey also shows the Baby Boomer demographic to be living longer and healthier lives with the need for more than their retirement plans to fund their lifestyles.

He has a background in information and communications technology coordination. It is nice that baby boomers are now thinking of being their own boss. They used to think of just being employees.

The Baby Boomer generation continues to play a major role in the housing market, as we find that many Baby Boomers are still seeking their “dream home . to a smaller home or spending less for a home of the same size. that not all Boomers are looking to downsize to a condo in Florida and spend . reasons to renovate are similar to those of younger generations. Note: Major. Boomers, information-seeking and e-mail are the. most prominent uses nications from others, expect the same in return. (Oblinger & Oblinger.