{"product_id":"are-you-a-stock-or-a-bond-identify-your-own-human-capital-for-a-secure-financial-future-9780133115291","title":"Are You a Stock or a Bond?: Identify Your Own Human Capital for a Secure Financial Future","description":"\u003cp\u003eYou must be aware of the value  potential return and risk of your own human capital (your job  career and what you do for a living as opposed to stocks and bonds or other investment choices) as well as financial capital and investments to plan a secure future. Human capital is the most valuable asset that you will own over your lifecycle. You need to balance all financial decisions with the characteristics of your human capital. The key trends identified in the first edition of the book namely  the decline of Defined Benefit (DB) pension provision  the continued increase in human longevity and the risk of personal inflation  are as relevant today as they were five years ago. The financial crisis has taught us that all types of capital  human  financial and even social  are key to a secure financial future. If your career has \"stock-like\" growth and risk characteristics  Milevsky helps you balance your \"portfolio\" by tilting investments towards safer \"bonds.\" If your job is more secure but offers lower financial upside  youll learn to tilt your investments towards stocks that compensate for your lower earning potential. Either way  Milevsky shows you how to integrate investments  insurance  annuities  and retirement plans to generate the safe and reliable income youll need.  This Editions updates include:  New 2012 data  charts  figures  and references More coverage of incorporating \"human capital\" into financial planning Advice reflecting the aftermath of the financial crisis Easier  more usable techniques  and less math!\u003c\/p\u003e","brand":"My Store","offers":[{"title":"Default Title","offer_id":45651897647157,"sku":"ByrdShop_0133115291","price":92.36,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0627\/8139\/0901\/files\/9780133115291.jpg?v=1781844390","url":"https:\/\/atxbooks.com\/products\/are-you-a-stock-or-a-bond-identify-your-own-human-capital-for-a-secure-financial-future-9780133115291","provider":"ATX Books","version":"1.0","type":"link"}