Rethinking Retirement for Lower Real Rates of Return

The recent research paper, “Long-run Trends in Long-maturity Real Rates 1311-2021,” from economists Kenneth S. Rogoff, Barbara Rossi and Paul Schmelzing shares a fascinating observation: Over the last seven centuries, long-term interest rates have trended down at a slow, steady, pace. The research provides economists and policy makers with new […]

when process eats away at culture

Peter Drucker tells us ‘culture eats strategy for breakfast’. In our experience, that’s a near hard-and-fast organisational rule.. But when we assess the current state of any marketing organisation, which is the first stage of most of our engagements, we often discover that there’s something else eating away at culture. […]