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Understanding Market Trends During Election Seasons: Key Insights for Cboe Global Markets Employees

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Healthcare Provider Update: Healthcare Provider for Cboe Global Markets Cboe Global Markets provides health insurance through a comprehensive benefits package that typically includes coverage via larger national insurers, including UnitedHealthcare and Anthem Blue Cross Blue Shield, among others. These providers offer a range of healthcare plans and services that cater to the diverse needs of Cboe employees. Potential Healthcare Cost Increases in 2026 As the health insurance landscape evolves, Cboe Global Markets employees should prepare for significant increases in their healthcare costs. In 2026, premiums for Affordable Care Act (ACA) plans are projected to surge, with certain states experiencing hikes of over 60%. Contributing factors include the potential expiration of enhanced federal subsidies, ongoing medical inflation, and escalating costs of specialty drugs. These changes could significantly impact employees' out-of-pocket expenses, necessitating careful financial planning and consideration of more economical healthcare options. Click here to learn more

Investment decisions during election seasons often raise questions about their impact on the stock market and the broader implications for long-term dividends. Despite the political fervor that usually accompanies electoral cycles, historical analysis suggests that elections have minimal impact on market performance, offering valuable insights for investors at Cboe Global Markets navigating these times.

  1. Long-term Investment Strategies

An extensive analysis of economic data over a 90-year period reveals an interesting trend: the stock market has consistently improved, regardless of which political party is in power. Since 1933, both Democratic and Republican administrations have seen the market generally fare well. This continuity highlights the importance for Cboe Global Markets employees of maintaining a long-term focus rather than reacting to short-term electoral outcomes.

  1. Market Outcomes Under Various Political Scenarios

Investors at Cboe Global Markets are often concerned about scenarios where one party controls both the presidency and Congress, fearing that such 'sweeps' might bring about unfavorable political changes that impact the markets. However, historical data since 1933 shows that stocks have performed robustly, regardless of the political landscape. During years of unified government, stocks have averaged a 14.4% return, only slightly higher than during years of a divided Congress.

  1. The Predictive Power of the Stock Market

The stock market has demonstrated a remarkable ability to predict the outcome of presidential elections. Since 1936, the S&P 500 Index has accurately indicated the winning party in 20 of the last 24 elections. This connection suggests that market dynamics, which reflect broader economic conditions, can influence electoral outcomes, providing Cboe Global Markets investors with crucial information.

  1. Investing During Election Years

Election years often lead to increased conservatism among investors, including those at Cboe Global Markets, who may shift their assets to lower-risk investments such as money market funds. This trend is evident in the significant inflows into these funds during election years, contrasted with greater inflows into equity funds in subsequent years. This behavior highlights the influence of electoral uncertainty on investment decisions while underscoring the dangers of trying to time the market based on political events.

  1. The Cost of Cashing Out During Elections

The tendency to invest in cash during election years can have long-term repercussions on investment returns, especially for Cboe Global Markets employees planning for retirement. Comparing different investment strategies over the past 23 election cycles has shown that maintaining full investment or continuing regular investments has yielded better long-term results compared to staying in cash. This trend holds across several four-year electoral cycles, emphasizing the benefits of a consistent investment strategy over attempts to navigate political fluctuations.

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In Conclusion

While the immediate approach of elections can introduce volatility to the stock market, historical data strongly supports the idea that long-term investment strategies are generally more resilient than those influenced by political cycles. Investors, including those from Cboe Global Markets, are advised to distance themselves from electoral rumors and focus on their long-term financial goals, consulting with financial professionals to ensure adequate diversification of their portfolios and alignment with their investment objectives. As another election year approaches, the lessons from history could not be clearer: staying the course remains the prudent strategy amidst political uncertainty.

For Cboe Global Markets investors nearing retirement, it is crucial to understand how electoral outcomes can influence sectors like healthcare and energy. Research shows that policy proposals during election cycles can lead to increased volatility in these sectors. For instance, a study published in the  Journal of Financial Economics  in June 2021 found that healthcare stocks are particularly vulnerable to political changes brought about by regulatory and policy shifts discussed during campaigns. Those nearing retirement should consider this when assessing specific risks and opportunities in their portfolio during election years.

What type of retirement savings plan does Cboe Global Markets offer to its employees?

Cboe Global Markets offers a 401(k) retirement savings plan to its employees.

Can employees of Cboe Global Markets contribute to their 401(k) plan?

Yes, employees of Cboe Global Markets can contribute a portion of their salary to their 401(k) plan.

What is the maximum contribution limit for the Cboe Global Markets 401(k) plan?

The maximum contribution limit for the Cboe Global Markets 401(k) plan is determined by IRS regulations and may change annually.

Does Cboe Global Markets offer a matching contribution for its 401(k) plan?

Yes, Cboe Global Markets provides a matching contribution to eligible employees' 401(k) accounts.

When can employees at Cboe Global Markets enroll in the 401(k) plan?

Employees at Cboe Global Markets can enroll in the 401(k) plan during their initial onboarding period or during the annual open enrollment period.

Are there vesting requirements for the matching contributions at Cboe Global Markets?

Yes, Cboe Global Markets has a vesting schedule for matching contributions, which means employees must work for the company for a certain period before they fully own those contributions.

What investment options are available in the Cboe Global Markets 401(k) plan?

The Cboe Global Markets 401(k) plan offers a variety of investment options, including mutual funds and target-date funds.

How can employees of Cboe Global Markets access their 401(k) account information?

Employees of Cboe Global Markets can access their 401(k) account information through the company's designated retirement plan portal.

Can employees take loans against their 401(k) balance at Cboe Global Markets?

Yes, Cboe Global Markets allows employees to take loans against their 401(k) balance, subject to specific terms and conditions.

What happens to the 401(k) plan if an employee leaves Cboe Global Markets?

If an employee leaves Cboe Global Markets, they can choose to roll over their 401(k) balance to another retirement account, cash out, or leave it in the Cboe Global Markets plan if eligible.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
In 2024, Cboe Global Markets announced a restructuring plan that includes reducing its workforce by 10% as part of a broader cost-cutting initiative aimed at streamlining operations and focusing on core business areas. The company also revealed changes to its employee benefits package, including reductions in healthcare coverage and adjustments to retirement plan contributions.
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For more information you can reach the plan administrator for Cboe Global Markets at 400 S. LaSalle St. Chicago, IL 60605; or by calling them at +1 312-786-5600.

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