Jean-Pierre Aubry
speaker
560 appearances
1 recordings
1 series
first heard Jul 2026
last heard 23 Jul
Jean-Pierre Aubry’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.
Appearances
in stock?
What's their kind of ideal allocations?
We just thought about it quickly.
And on average, we saw that was around 30, high 30s, 37, 38% in stocks.
That's pretty low, right?
These are older individuals.
I think our lowest age is 48, and it goes up to 70.
So you're mixing it with people at the tail end, people who may not want any risk.
But yeah, that's kind of what we're seeing.
There actually wasn't that much variation across age.
That's the average.
When you look at actual allocations in other data sets,
It's closer to among the same basic population of 45, 48 to 70.
You basically see holdings are closer to 45, 46, about 10% higher.
And so takeaway from this was that it seems like actual allocations for individuals are somewhat higher than what their kind of pie in the sky, you know, what their gut tells them for what they would like to hold in terms of stocks and the risk they'd like to be exposed to in the market.
We're still actually doing some research to try to understand that.
But our hunch is that it's defaults in the retirement system, essentially.
Potentially TDFs, but there are other defaults before TDFs came about.
And other frictions, just the most salient investment in the lineup, maybe equity heavy, maybe an index fund, that kind of thing.
And people default to those, whether explicitly or implicitly.
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