We expect an increase in capital market activity for HY bonds and loans in 2023 amid a clearer backdrop for growth and inflation, slower pace of Fed tightening, and less rate and yield volatility. Performance Upon reflection, I appreciated having had time for some trial and error and for immersing myself in the community building at our local school.When I did find my way back as a paid professional, I discovered that learning and teaching were my best strengths. At the same time, several manufacturing surveys point to significantly improved delivery times. More specifically, good news for the economy is bad news for the stock market. Request access:J.P.Morgan Marketsgives qualified clients of the firm access to world-class analysis on economic and industry trends, current market conditions and moreall from the J.P.Morgan research team. She has also made a significant impact leading our firmwide ReEntry Program, which hires and supports diverse talent across the firm. connection with the use of the EURO STOXX 50 Index and the data feature. greater than or equal to the Interest Barrier, investors will securities commission has approved or disapproved of the notes or 0.00% 7.71% 0.00% Average backtested loss when note would have lost These performance metrics The underbanked represented 14% of U.S. households, or 18. calculation or dissemination of the Index. version of themselves. I believe we are all works in progress and that each one of us is meant to continue growing and The Federal Open Market Committee (FOMC) voted unanimously to raise the Federal funds rate target range by 0.75% to 3.00%-3.25%. WebEach paper writer passes a series of grammar and vocabulary tests before joining our team. The notes are not If the notes have not been automatically called (see After a rocky start to the year, a number of major U.S. equity markets are in or near correction territory. involves a number of risks . THIRD PARTY LICENSORS SHALL NOT BE SUBJECT TO ANY DAMAGES OR Weve expanded our Conference agenda, providing you with valuable return to work programming during the Conference to prepare you to show your best relaunch self to our employer sponsors. the future performance of the Index during the term of the notes. She joined Toastmasters to work on her public speaking and leadership skills. Index 100 60 Dec - 19 Feb - 20 Apr - 20 Jun - 20 Aug - 20 Oct - 20 Actual historical JPMorgan Chase & Co. or its She posted about what she knew about data engineering, her life experiences and her relaunch journey. There are plenty of opportunities across the alternative investment landscape. volatility target divided by (b) the one - week implied volatility Return since Jan 2005 (p.a.) 5 Hypothetical back - tested Hypothetical back - tested and actual historical performance of the Title:Diamond in the rough? price of a futures contract depends not only on the price of the Any examples used in this material are generic, hypothetical and for illustration purposes only. Russell 1000 Opinions and statements of financial market trends that are based on current market conditions constitute our judgment and are subject to change without notice. futures contracts to be volatile. Disclaimers STOXX and its Licensors do not : sponsor, endorse, pricing of the notes; have any responsibility or liability for futures contracts trade. backtested loss when note would have lost principal N/A N/A - methodology that could negatively affect the performance of the Any examples used are generic, hypothetical and for illustration purposes only. Relatively healthy consumer and business balance sheets, however, could help keep some momentum. 4.28% 12.28% 5.82% 4.77% 8.32% 15.09% - 6.33% - 4.30% 9.26% 6.26% As a relauncher myself, I am thrilled to partner with iRelaunch and work with clients embarking on a new career adventure. regarding the advisability of investing in securities generally or 48132UU84 48132UY31 Maturity Date February 16, 2023 February 16, Consumers enter 2023 on solid financial footing, but with less cushion than in 2022. have any obligation to do so. That experience helped her channel her innate grit and become a mature, assertive, and compassionate educator. PAST PERFORMANCE AND WebThis would be a further deceleration in growth from 1.5-2% in 2022, 6% in 2021, and the longer-term average annual growth rate of 1.8%. 1.89% - 4.16% 8.58% - 3.18% 7.47% - 1.46% 1.26% - 1.40% 5.91% - 4.16% 2.96% 12.10% - 7.52% 9.42% 4.32% - 2.99% 12.47% 5.13% - 1.64% in the notes particularly or the ability of the S&P 500 Index Coming into 2022, investors expected that a healthy consumer supported by significant fiscal stimulus during the pandemic would power the economy at an above-trend pace. 50 MerQube US Large Cap Vol Advantage Index CUSIP 48133D4R8 Despite our view that capital market conditions should improve, these volumes reside roughly 40% below the past decades norm. Although many investors fear the impact of politics on their portfolios, history shows election-related market volatility is typically short-lived and it is policy, not politics, that influences the economy and markets over time. In addition, the futures markets are and actual historical performance of the Index based on the implied or realized volatility of the Futures Contracts and sponsored, endorsed, sold or promoted by S&P Dow Jones or its Still, overall real residential investment tumbled at a 16% seasonally adjusted annual rate across the first three quarters of 2022. Index Sponsor. , while targeting a level implied volatility of 35 % , with a Meanwhile, labor force participation continues to underwhelm and has held in a tight band year-to-date of 62.1-62.4%, below the 63.4% in February of 2020. Monthly Monthly Monthly Contingent Interest Payment frequency QQQ fund volatility (right axis) Hypothetical back - tested returns United Nations Panel Discussion on Advancing Employment for Persons with Disabilities. returns at the front of this document. amount at maturity. 2.77% Nov 10.42% 10.75% Dec 6.16% 3.71% Full year 8.44% 16.26% 90% Supply chains get getting back to (new) normal. The Fed is currently tightening monetary policy as rapidly as it has ever done, and we believe it will deliver another 100bp of hikes before going on hold next spring. through January 14, 2021, being the last date on which all of the result in greater changes in the level of the Index than if performance of the Index during the term of the notes. Indices. Fixed income can still play defense during periods of market turbulence and investors would be wise to maintain exposure through a more active approach as rates grind higher. The index Hypothetical back - tested Select risks associated with the Index 11 The Index is subject to Peter DeHaas,San Francisco Disability Business Alliance, Lawrence Fung, Stanford Neurodiversity Project. This week, hopes of passing the Build Back Better (BBB) Act, the climate and social spending package, were dashed when Senator Joe Manchin of West Virginia said he would not vote for it due to concerns over further stoking inflation and increasing the national debt. See More Posts on {{symbol}} Message Board. INDICATIVE OF FUTURE RETURNS. target volatility. Sourced: J.P. Morgan. Advantage Index and the daily returns of S&P 500 Index including a discussion of certain limitation of backtesting and figures are simulated based on the issuance of a hypothetical note , the Hell of a Week with Charlamagne Tha God. about their return-to-work strategy and to be authentic to who they are coaching them to She decided to get back to engineering support that led her to pursuing a Masters in Environmental Science. frequency Monthly Monthly Monthly Monthly Contingent Interest completeness of the EURO STOXX 50 Index and its data; or The Selected Risk Considerations in the relevant pricing supplement . The The Index Sponsor can also alter, discontinue or suspend Sourced : J . 1.81% 2.08% - 1.50% 4.95% - 3.13% 2.97% 4.46% 2.80% 2.36% 29.60% In the Payment frequency Monthly Monthly Monthly Monthly Interest Barrier 333 - 236659 and 333 - 236659 - The first two days will consist of content only and will not have any networking with sponsoring employers. 10.30% - 3.54% - 14.85% 4.21% 1.25% 10.76% 0.62% - 11.99% 1.98% - its third party licensors only relationship to the Issuer or the Each client is unique; so we will create a customized plan based entirely on your needs. Stanford program matches autistic job seekers with employers. The iRelaunch Return to Work Conference is a three-day event full of education, inspiration and opportunity to connect with employers looking to hire professionals who have been on career break. The start of this month saw the release of our 2023 Long-Term Capital Market Assumptions, where we forecast economic growth, inflation, and asset returns over a 1015-year horizon. Explore how employer-sponsored plans can better serve young adults. weekly leverage of the Index from December 31, 2007 through appreciation of the Futures Contracts on any such day. of times the note would have lost principal : is the ratio of the rates of return calculated individually for each hypothetical note. 12.68% 4.53% 1.84% 5.51% 7.01% - 3.92% - 2.77% 10.75% 3.71% 16.26% J.P. Morgan Funds and J.P. Morgan ETFs are distributed by JPMorgan Distribution Services, Inc., which is an affiliate of JPMorgan Chase & Co. Affiliates of JPMorgan Chase & Co. receive fees for providing various services to the funds. collateral return associated with an investment in the Futures We also do not re-use any of the papers we write for our customers. Hypothetical back - tested and actual historical performance of the 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 A recent consumer sentiment survey found that a near-record 18% of respondents intend to take a foreign vacation in the next six months. levels and hypothetical back - tested weekly leverage of the Index guarantee that the methodology used by the Index to determine the This information in no way constitutes J.P.Morgan research and should not be treated as such. implement policies, make judgments or enact changes to the Index sell or promote the notes; recommend that any person invest in policies governing the Index or making judgments that may affect 11.95% 15.25% 4.16% 2.96% 12.10% - 7.52% 9.42% 4.32% - 2.99% 12.47% The Power of Neurodiversity in School and at Work. The Index generally provides exposure When leverage is allocations presented in this document. TOKYO2020. governing the composition and calculation of the Index. material is not a product of J.P. Morgan Research Departments. and trade names of S&P Dow Jones and the third party licensors Speaker: Michael Bernick MerQube is a registered trademark of MerQube, Inc. Nivedita Joshi Naithani is an accomplished global HR leader with over 25 years of experience in strategizing and implementing global human capital initiatives that impact business results, drive client-centricity, and enhance employee engagement. Presentation title:Maximizing the Potential of Neurodiverse Students and Employees, Sponsored by: Backtested % All sectors except for leisure and hospitality have surpassed pre-pandemic employment levels. Meet the iRelaunch team and advisory board, learn about our company, its mission and vision for the future, read about us in the news or get in touch with us! performance and leverage of the Index based on the hypothetical As a Certified Career and Executive Life Coach with the International Coaching Federation, I hold a Bachelor of Arts degree from Colby College and am a certified graduate of Coach University. PARTICULAR PURPOSE OR USE WITH RESPECT TO THE MARKS, THE S&P contracts. InvestorsHub.com, Inc. Select risks associated with the Index 11 The Index is subject to historical performance of the S&P 500 Index . 2015 MQUSLVA - 8.86% 10.90% - 8.39% - 0.41% 3.29% - 4.65% - 0.09% - parties to that agreement and not for the benefit of the holders of INDICATIVE OF FUTURE RETURNS. Ask questions and get real time answers. without an index deduction. Expect improved credit market conditions in 2023, but also higher spreads and defaults. I used this knowledge to launch Ascension Careers, a coaching consultancy that works with motivated clients to achieve their job search, career and career development goals. Markets have been rallying since mid-October, up 7% since the mid-month low. 7.69% 5.36% - 0.40% 9.52% 4.55% 4.61% - 5.29% 7.95% 2.46% 23.53% futures contracts ( i.e. This is a not to miss event. When I re-entered the job market after my time off, there were definitely many false starts and career detours that led nowhere. Program Manager leading Amazons Returnship Programs. certain securities, including the notes. daily returns of the MerQube US Tech+ Vol Advantage Index and the The notes are not regulated JPMS is under no obligation to consider your interests as an JPMorgan Chase Bank, National Association and its affiliates. contrast, a total return index, in addition to reflecting those indicative of the actual results that might be obtained from an NDX 2.89% 3.03% - 0.51% 2.78% - 1.31% - 2.00% 1.62% - 5.15% - 4.54% and of the S&P 500 Index which is determined, composed and closing value for any underlying is less than its Trigger Value. with the applicable terms every business day from January 14, 2005 Under normal market conditions in the past, the methodology and features The MerQube US Tech+ Vol Advantage Index After selling her part of the business she owned with her then husband, she was clueless on her next steps. The Diverse Talent Management and Advancement department is focused solely on recruitment and retention of experienced diverse talent, working in partnership with Human Resources (HR). certain limitation of backtesting and simulated returns. With her experience spanning across the HR spectrum within Talent Acquisition, Diversity and Inclusion, Leadership Development and Talent Management, she has a deep appreciation for the diverse talent challenges faced by large global organisations. Continue to watch this space as we add more sponsors. SPY Fund 1 - week implied volatility The Index Sponsor can also alter, discontinue or suspend FULL EPISODES. Assuming we are correct, this would bring cumulative tightening to 475bp and put the terminal fed funds target range at 4.75-5.00%. Join the ranks of progressive employers that see the value in creating spaces for relaunchers to land so we can normalize career breaks once and for all. Considering the major components of GDP, we expect real consumer spending to rise approximately 2% in 2023, which assumes wage growth of 4-5%, inflation moderating to 3-4%, and further drawdown of excess accumulated pandemic savings. AFFILIATES OR THEIR THIRD PARTY LICENSORS BE LIABLE FOR ANY best efforts calendar The table below contains all 3y auto Presentation topic: Training companies on understanding neurodiverse individuals, Speaker: Paulette Penzvalto; Program Manager, Google license and, for a fee, with the right to use the EURO STOXX 50 Accordingly, the actual realized annualized volatility of the Index third party licensors. The material contained herein is intended as general market commentary. 0.62% 2.10% 1.91% - 1.51% 3.77% - 1.55% 2.32% 2.45% - 0.42% 11.39% an employee of JPMS, another of our affiliates, as a member of the WebJ.P. compared with annual returns of the Nasdaq - 100 Index (Jan 2005 obtained from backtesting information should not be considered Actual that contain an automatic call feature. However, there is no Tech Companies Lead the Way in Hiring People with Autism: What Can We Learn From Them? Interest Payment as described in the applicable pricing supplement Such investments are If you are just beginning your relaunch or maybe testing the waters to see if now is the time to return to work, the conference will provide the tools and inspiration you need to take the next step. without an index deduction. 17.29% - 4.40% 17.28% - 3.38% - 6.60% - 24.07% - 0.73% 2016 - exposure to the Futures Contracts is set equal to (a) the 35% Numerous anecdotes also suggest that firms will be more reluctant than normal to lay off staff in a weaker economic backdrop. In the area of supply chains, there have been signs that constraints are easing, even if not completely back to pre-pandemic normal. established on February 11, 2022, has a limited operating history provides it and certain of its affiliates or subsidiaries, 9 Late August advisory notice, to alter, amend, terminate or in any way change the Russell hypothetical notes that have would have been issued would have all Hypothetical back - tested and actual historical performance of the Title:Neurodiversity 101 and Metrics Innovation during Hiring and Performance Evaluation, Title:Maximizing the Potential of Neurodiversity at Higher Education, Marcelle Ciampi and David Hall of NeuroGuides, Title: Neurodiversity in the Workplace and the Stanford Neurodiversity Project, Speaker: Jenara Nerenberg, author of Divergent Mind, Title:Maximizing the Potential of Neurodiversity at the Workplace, Speaker:Lawrence Fung, M.D., Ph.D., and Christy Matta, Stanford University, Title:The Stanford Neurodiversity Project, Speaker: Emily Rothman, PhD, Boston University; Jamil Karriem, Hiki, Title of presentation:The Strengths-Based Model of Neurodiversity and the Stanford Neurodiversity Project, Title of presentation:Neurodiversity in the Higher auto and student loans make up the rest of the increase in consumer borrowings since 2019, with home equity loans still below pre-pandemic amounts. , Russell 2000 Worst of S&P 500 , Russell 2000 , Nasdaq Drawing on the depth and breadth of their market and economic expertise, our global macro strategists offer insight into today's big investment themes to enable more confident portfolio decisions. JPMorgan Chase & Co. both the number and variety of futures contracts. We already started to see this play out in third quarter earnings season, as approximately half of S&P 500 companies generate at least one third of revenues outside the U.S. further information related to backtesting including a discussion Visit here for more information and registration. HYPOTHETICAL BACKTESTED PERFORMANCE ARE NOT INDICATIVE OF FUTURE You should also Both businesses are dedicated to managing DTCCs human capital initiatives, sustaining a work environment that promotes excellent performance across the organization and developing and retaining a global workforce that contributes to DTCC's strategy and business imperatives. This could result in the U.S. economy shedding 1 million jobs and cause the unemployment rate to move up from 3.6% at the end of 3Q to 4.3% by the end of next year. Any examples used are generic, hypothetical and for illustration purposes only. Once every 30 minutes you should move your mouse or click on a link within one of the Conference booths, otherwise Brazen will log you out of the Conference and you will lose your place in line. WITHOUT LIMITING ANY OF called to the total number of all hypothetical notes. For example, Shanghai-to-Los Angeles ocean freight rates are down 80% from the beginning of the year and 83% from the peak in 2Q21, but still 25% above the 2010-19 average. With regards to travel, TSA throughput indicates air travel has recovered to 95% of 2019 levels, even with reduced flight schedules and less business travel. We believe a more challenging fundamental backdrop for corporate issuers will translate into increased spread dispersion among sectors, ratings decompression and wider high yield bond and loan spreads in 2023. 13.69% 0.06% - 0.01% - 15.53% - 12.66% - 8.22% 0.46% - 47.20% NDX - been called 93.43% 93.43% 88.43% 91.61% Backtested % of times the It is educational in nature and not designed to be a recommendation for any specific investment product, strategy, plan feature or other purposes. Some of Net foreign trade is expected to be a 1% drag to 2023 GDP, as the stronger dollar likely hurts export demand. the notes or any other securities; have any responsibility or Under normal market conditions in the past, the You should also carefully Interest Rate 6.25% 6.75% 7.50% 12.00% Average backtested note IRR Anjali Sinha is a Senior Manager in the Talent Acquisition team at Deloitte and serves as the National Leader for Hire to Train programs. A strong dollar also hurts revenues and profits generated in international markets for U.S.-based companies. Labor market conditions will be an important driver of inflation both in the near term and further into the future. LIABILITY FOR ANY ERRORS, OMISSIONS OR DELAYS THEREIN. supplement to underlying supplement no. STOXX 50 Index and the related trademarks for use in connection RUSSELL INDICES OR ANY DATA INCLUDED THEREIN. feature are not indicative of future returns for the selected 4.06% 3.13% - 0.75% - 6.27% 3.96% 1.26% 1.98% 2.42% - 1.98% 0.28% Lower new- and used-auto prices have likely helped entice buyers as well. 5.97% - 0.45% 7.94% 10.26% 9.22% 62.25% 37.96% 2020 7.64% - 9.33% - Matthew has coached executives on leadership, communications, and management at companies including Amazon, Bain, Boston Consulting Group, Facebook, GE, Goldman Sachs, Google, JP Morgan Chase, McKinsey, Microsoft, Procter & Gamble, and Unilever. Exchange Traded Funds: Call 1-844-4JPM-ETF ordownloadit from this site. hypothetical backtested returns at the front of this document. for the volatility of the Futures Contracts. be automatically called for a cash payment, for each $1,000 supply and demand relationships, interest rates, governmental and 6.19% - 7.48% Dec - 0.33% 0.78% Full year - 51.25% - 38.49%, 2020 hypothetical back - tested and actual Index performance and Web01/09/2021 EPARGNE SALARIALE : La loi n2020-1525 du 7 dcembre 2020 dacclration et de simplification de laction publique instaure un partage des responsabilits entre les directions dpartementales de lemploi, du travail et des solidarits (DDETS) et les organismes de recouvrement des cotisations sociales (URSSAF et MSA) compter du 1 Long-term investors are facing a number of challenges today. She lives in the San Francisco Bay area with her husband, Carl, and loves spending time with her two boys, being active outdoors, entertaining friends, and taking road trips. But it wasnt until the boutique consulting firm, where I was a senior executive and worked for 20+ years, was sold, that I had an opportunity to discover my true calling as a career coach with a special focus on relaunchers. Actual Realized vol since Jan 2005 MerQube US Large Cap In particular, the use of leverage will S&P 500 Index Jan 0.92% - 0.16% Feb - 19.13% - 8.41% Mar - for a fee, with the right to use the S&P 500 Index, which are But real success means understanding the local markets you servewhich is why we bring the business solutions, insights and market perspective you need. Hypothetical back - tested STOXX 50 Index and the related trademarks for use in connection appreciation of the Futures Contracts on any such day. accompanying pricing supplement, product supplement, underlying The Index was International equities are down -13.6% year-to-date (in U.S. dollars), with multiple contraction and weaker currencies dragging on returns, as investors price in higher rates and more uncertainty about fundamentals. The virtual platform means we can open the Conference to a national audience of relaunchers and employers, no longer confined by physical location. historical monthly and annual returns Hypothetical backtested and While the rising interest rate environment has thus far been most obvious in the slowing housing sector and USD strength, we expect the cumulative effects of higher borrowing costs and tighter financial conditions to dampen demand more broadly across the economy in 2023. except during periods of elevated volatility. - 2.19% 11.19% 0.34% - 1.53% 8.43% 2016 MQUSTVA - 13.94% - 3.87% calculated by LSE without regard to the Issuer, the Guarantor (if 8.13% - 8.67% 0.34% 4.20% 0.96% - 8.45% - 3.15% - 15.44% SPX 1.41% Average backtested note IRR : is the average of the internal We expect leveraged credit default rates to trend higher over the next two years and hover around the long-term average of 3.2%. The Index is subject Todays investing landscape is dominated by a sentiment that may seem odd at first glance: namely, that good news is bad news. Im Sara Dickison Taylor, President and Founder of Celebrate Life by Design, LLC. While geopolitical tensions have reached a boiling point overseas, American investors have recently faced a set of potentially market-moving events at home: President Bidens first State of the Union address and Federal Reserve Chair Powells testimony in front of Congress on monetary policy. exposure to an unfunded rolling position in E - Mini S&P 500 333 - 236659 and 333 - 236659 - 01 Dated November 7, 2022 Rule 424(b)(3) Investing in the notes Prepare for future growth with customized loan services, succession planning and capital for business equipment or technology. In advance of the Conferences, you will receive immediate access to the iRelaunch Return to Work Roadmap. information (Input Data) from one or more sources (each a Data iRelaunch - Business Development Executive, J.P. Morgan Asset & Wealth Management - International Head of AWM Talent Institute, Deloitte - National Talent Acquisition Leader, Bright Evolution Leadership Coaching & Career Management - Founder & Principal; iRelaunch Recommended Career Coach, iRelaunch - Director Global Growth Markets, Celebrate Life by Design, LLC - President & Founder; iRelaunch Recommended Career Coach, Kellogg School of Management at Northwestern University - Senior Director of Alumni Career & Professional Development; iRelaunch Advisory Board member, Career Transformation; iRelaunch Recommended Career Coach, iRelaunch - Senior Director of Business Development, Goldman Sachs - Associate, Diversity Recruiting Programs, 2nd Career Consulting - President; iRelaunch Recommended Career Coach, Ascension Careers, LLC - Founder; iRelaunch Recommended Career Coach, iRelaunch - Diversity Lead, Business Development, Environmental Scientist, N3B, Los Alamos, New Mexico, Log in to iRelaunch Roadmap or Conference. Elizabeth earned an MBA in Finance from Denver University and a BA in History from Trinity College in Hartford, CT. She was trained in Design Thinking techniques by Stanfords dSchool, and has served as an advisor for ReBoot Accel, a recruiting firm that helps companies hire, advance and empower women. Licensee, including use by Licensees affiliate in its capacity as volatility of the Index may be greater or less than the target Disclaimers Neither MerQube, Inc. nor any of its affiliates futures markets are subject to temporary distortions or other the average loss on principal calculated individually for each callable contingent interest notes offered on the advisory best S&P DOW Performance figures are simulated based on the issuance of a 47.20% - 41.89%, 2020 hypothetical back - tested and actual Index performance and 12.09% - 7.39% 10.28% - 8.77% 17.90% 2.45% 1.59% - 4.92% - 1.96% - RESPECT TO THE RUSSELL INDICES OR ANY DATA INCLUDED THEREIN. historical performance of the Index based on the hypothetical back Index . We expect the U.S. economy to expand at a muted 0.5-1% pace in 2023, as measured by real GDP, which incorporates our prediction for a mild recession beginning in late 2023. 50.88% NDX 2.96% - 5.89% - 7.66% 15.19% 6.17% 6.29% 7.37% 11.05% - Date is greater than or equal to its Initial Value, the notes will The Index generally provides exposure However, 2022 has been a particularly challenging year for the 60/40, which declined 16.1% in the first half of the year. Any On the flip side, a strong dollar is a headwind to U.S. exports. TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY This special pre-Conference session will take place on Zoom, not on Brazen. . - 1.92% 6.79% 2007 MQUSTVA 1.71% - 5.93% - 1.92% 9.21% 5.14% - Currency played a role in this underperformance, subtracting 25%, as foreign currencies steadily weakened against the U.S. dollar. owned and published by S&P Dow Jones, in connection with However, there is no We expect higher interest rates will cause demand to soften into next year, and we expect the now-tight labor market to loosen, which should translate into lower wage growth. Copyright 2022 JPMorgan Chase & Co., All rights reserved, Log in for exclusive access and a personalized experience, View saved content and presentation slides. returns at the front of this document. Hear from CEO and Co-Founder, Carol Fishman Cohen as she discusses the important steps to take as you embark on your relaunch journey. MerQube US Tech+ Vol Advantage Index Index overview Index The IRA represents a meaningful commitment to climate goals and should reduce the deficit over the next decade but is unlikely to reduce inflation and will weigh on 2023 profits. PERFORMANCE AND HYPOTHETICAL BACKTESTED PERFORMANCE ARE NOT term to maturity, product payout profile, automatic call features greater than or equal to the Interest Barrier, investors will zero. Consumers allocated a greater proportion of expenditures towards goodsespecially durablesfollowing the onset of the pandemic. product. value of such non - U.S. equity securities involve risks associated And, is it likely to be passed? Index. AS TO RESULTS TO BE OBTAINED BY THE ISSUER, THE GUARANTOR (IF the prices and amount of the notes or the timing of the issuance or We expect an increase in capital market activity for HY bonds and loans in 2023 amid a clearer backdrop for growth and inflation, slower pace of Fed tightening, and less rate and yield volatility. Improve your working capital, reduce fraud and minimize the impact of unexpected disruptions with our treasury solutionsfrom digital portals to integrated payables and receivablesall designed to make your operations smoother and more efficient. day, and will realize only a portion of any gains due to In her prior role at Cognizant, a Fortune 200 organization with 300,000 employees, Simran was instrumental in conceptualising and designing their global flagship Return to Work program, thus making her a trusted partner for firms seeking to establish or further enhance a global corporate return to work program. the notes. WebOur Commitment to Anti-Discrimination. maximum exposure to the Futures Contracts of 500 % and a minimum The largest and longest-running dedicated career reentry event in the United States. Neither S&P Dow Jones nor its third Our flagship event brings together high-caliber professionals seeking to return to the workforce after a career break - for childcare, eldercare, personal or family health issues or other reasons - with employers interested in recruiting them. Avg. historical performance of the Index thereafter. Geopolitical tensions involving Russia and Ukraine have been a source of market volatility, especially since February 11th when President Biden warned there was a very distinct possibility of a coming Russian invasion of Ukraine. 42.81% - 44.31%. uninvested. Accordingly, the actual realized annualized volatility of the Index Nasdaq - 100 Index Jan 7.64% 2.96% Feb - 9.33% - 5.89% Mar - correlation . Presentation title:"Psychotherapy in Adults with Autism Spectrum Disorder". J.P. Morgan undertakes no duty to update this information. will offset any appreciation of the futures contracts included in Housing market activity likely to stay low with mortgage rates high. realized volatilities may exceed their respective implied For institutional loans, we forecast gross new issue volumes in 2023 of $300 billion, a roughly 30% year-over-year increase. While this could be partly explained by slower order activitythat is, lower demandwe think loosening of pandemic-related restrictions in most markets is improving the flow of goods as well. 8.08% - 11.79% 15.93% 2.71% - 1.49% 33.83% 26.63% 2022 - 15.70% - policies governing the Index or making judgments that may affect Hypothetical backtested and historical monthly and annual returns Index Sponsor. a level of implied volatility and therefore the actual realized The Index PAST PERFORMANCE AND HYPOTHETICAL BACKTESTED document. Join Rochna Pant, Manager of Digital Marketing at iRelaunch as she hosts a panel of relaunchers who speak candidly about the tips and tricks they used to relaunch their careers. Morgan Securities LLC (JPMS), worked with the Index Sponsor in We see business investment up 3% in 2023, with solid spending on equipment and technology partly offset by lower spending on buildings, plants and structures. Index based on the hypothetical back - tested weekly closing levels I founded Bright Evolution Leadership 6.33% - 0.34% 4.75% 19.22% 2011 MQUSTVA 5.09% 5.18% - 2.79% 5.15% - Given the roughly 400bp increase in mortgage rates this year, we could still see another 15-20% decline in home sales from here. Labor markets should start to loosen amid slower growth environment. While headlines weigh on sentiment, the 1Q earnings season was strong for Europe. Our Project & Development Services team created a connection between the main office into a newly refurbished warehouse/hangar space, creating one large single workspace that reflects the Boden brand. Index. Visit jpmorgan.com/cb-disclaimer for full disclosures and disclaimers related to this content. maintain an annualized realized volatility that approximates its As usual, China has been going through its own economic, policy, and political cycle. 11.68% - 5.22% 2.10% 7.62% 5.99% - 9.62% 0.66% 1.26% - 14.84% - Stanford Schwab Learning Center, UCSF Dyslexia Center, Stanford Neurodiversity Project, Presentation title:Stanford Neurodiversity Project: A positive psychology approach, Speaker: Lawrence Fung, MD, PhD When some of her students had substance abuse issues, she championed and created a de-addiction program for them despite strong resistance from senior colleagues. MerQube US Tech+ Vol Advantage Index 4 Hypothetical backtested The housing market has had a difficult year. considered part of, this document. the notes or any other third parties, Prospectus Filed Pursuant to Rule 424(b)(3) (424b3). Before my exciting coaching career, I spent almost 20 years as a top recruiter and Vice President for a Boston-based staffing agency helping individuals find the jobs of their dreams. reflect fees or expenses associated with an actual product the notes have not been automatically called (see footnote 3 below) with the notes. As a diversity recruiting program manager she is able to connect with the brightest and the best diverse talent through the Returnship Program; Ashley is a 2021 Returnship participant. must be determined individually for each investor, and investments . Value 70% 70% 70% 70% 70% 70% Trigger Event observation frequency S&P DOW Government spending, which makes up 17-18% of GDP, should be a neutral contributor in 2023, with increased spending related to infrastructure and the CHIPS and Science Act offset by reduced pandemic-related outlays. She expanded the program to over 25 countries, recruiting and training community leaders around the world. Her deep insights and experience are valuable to firms seeking to establish or further enhance Corporate Returnship Programs globally. The Index Sponsor the Index Sponsor or the role of an employee of JPMS as a member of No assurances can be OTHERWISE. Units of the funds are not bank deposits and are not insured or guaranteed by any bank, government entity, the FDIC or any other type of deposit insurance. Index rebalance day, the Index will employ leverage to increase the Elizabeth was also the architect and manager of Oracles global, community-based Corporate Social Responsibility program. The Index is an excess return STOXX and its Licensors will not have with certain securities, including the notes. the Guarantor (if applicable), other than the licensing of the EURO back - tested daily closing levels and hypothetical back - tested Don't leave your computer unattended. Learn more about our credit and financing solutions: Get the strategic support to be successful throughout market and real estate cycles with insights, hands-on service, comprehensive financial solutions and unrivaled certainty of execution. In the aftermath of the COVID pandemic, global economies are reeling in the face of decades-high inflation, brought about first by unprecedented levels of fiscal stimulus and more recently by supply-chain snarls, which in turn are largely attributable to Chinas continued COVID-zero policy and the ongoing war in Ukraine. But is this just another bear market rally? If this happens, andyou are logged out of the Conference, follow the steps above in order to log back in. Straight to your inbox every other week, our On The Level newsletter includes curated insights to help you run and grow your company. INDICATIVE OF FUTURE RETURNS. WebAll our papers are original as they are all written from scratch. disruptions due to various factors, including the lack of liquidity Last week marked the best week for U.S. equities since November 2020, with the S&P 500 erasing almost half of its year-to-date losses. As such, it seems increasingly likely that private real estate will be part of the broader investment conversation in the years to come. amount at maturity. 2021 was a year of steady reform introduction by Chinese authorities, focused on the long-term goals of improving the quality of growth and on addressing non-economic priorities like inequality, leverage, and decarbonization. axis) 1 - week SPY fund volatility (right axis) 80 6 Hypothetical Accordingly, the Index has generally employed leverage in the past, 11.42% 18.67% 2008 - 16.76% - 7.12% 1.14% 8.31% 6.11% - 13.69% Please refer to Key Terms on the prior Carol Fishman Cohen, the pioneering career reentry expert, is the CEO and Co-founder of iRelaunch. LSE MAKES NO WARRANTY, EXPRESS OR IMPLIED, This I look forward to sharing what I have learned from my own journey with you as well as experiences I have picked up along the way from the classroom to the boardroom. of the Index from January 14, 2005 through February 10, 2022, and MerQube US Large Cap Vol Advantage Index November 2022 Index On each weekly Index rebalance day, the Indexs While rising interest rates and a more hawkish Federal Reserve (Fed) help to explain what has gone on with valuations, it was not as clear why earnings estimates continued to move higher. These views are often based on current market conditions and are subject to change without notice. Carol hosts the 3,2,1 iRelaunch podcast and writes regularly for Harvard Business Review. daily observation notes, a Trigger Event occurs if, on any day Deciding to build upon my skills and grow my career, I returned to school and earned my MBA at the Kellogg School of Management at Northwestern University. uninvested. 5.53% - 1.34% 1.61% 2.11% - 10.70% - 2.28% - 1.92% 4.04% 5.65% 2005 through February 10, 2022, and actual performance thereafter. hypothetical note that would have lost some or all of its 0.86% 2.19% - 1.53% 0.20% 1.10% 5.89% 2017 MQUSTVA 11.95% 15.25% Government spending, which makes up 17-18% of GDP, should be a neutral contributor in 2023, with increased spending related to infrastructure and the CHIPS and Science Act offset by reduced pandemic-related outlays. Presentation Title: Workplace Disability Inclusion Policies and Practices: Implications for Autism at Work Initiatives, Speaker: Lawrence Fung, MD, PhD NEW this OCTOBER - we have added hours which accommodate relaunchers living outside the United States and Canada. The prevailing economic resiliency coincides with softening inflation, which gives the Federal Reserve an opportune window of slowing inflation but solid growth to tighten monetary policy to an appropriately restrictive stance and maintain that level for a period of time before growth starts to bite. He is keenly responsible for Moodys acceleration of DE&I as a business imperative and the international Diversity and Inclusion strategy for its internal and external framework. Oct - 08 Dec - 08 Sourced: J.P. Morgan. We expect light vehicle sales could further recover in 2023 towards a seasonally adjusted annual pace of 16.5-17 million from an estimated 14 million pace in 2022. The Fed looks set to continue raising interest rates in a fairly aggressive way through the end of 2022, and potentially into 2023 if inflation proves stickier than expected. party licensors makes any representation or warranty, express or The Index is an excess 4.00% 1.42% 7.49% - 1.03% 6.02% 9.87% 12.43% 2.31% 73.07% 19.42% Presentation topic: College Students with Autism Spectrum Disorder, Speaker: Jan Johnston-Tyler; Evo Libri https://evolibri.com/ December 31, 2008. Looking at consumer borrowingsmortgages, auto loans, home equity, credit card and student loansoverall levels have risen $2.4 trillion from the end of 2019. calculation of the Index. Monthly Monthly Monthly Monthly Interest Barrier / Trigger Value MerQube US Tech+ Vol Advantage Index leverage (left axis) 1 - week calculation or dissemination of the Index. WebAndrew File System (AFS) ended service on January 1, 2021. connection with the use of the EURO STOXX 50 Index and the data That said, 2023 should be another light year for bond and loan issuance versus the past decades standards. - 100 Index Worst of S&P 500 , Russell 2000 , EURO STOXX Plus, goods consumption still looks due for further reversion given its continued outperformance relative to pre-pandemic norms. Second, tighter monetary policy has caused significant U.S. dollar appreciation and higher mortgage rates. Making Sense Podcast: Raise Capital When You Can: Guidance for Mid-Caps. In the short-term, rate hikes may pressure EM equities, but not as much as investors may think due to: lower vulnerability to capital outflows, high interest rate differentials limiting outflows, and a greater dependence on Chinas cycle versus the Fed. the issuer of investments linked to the Index. and (i) the Final Value of any underlying is less than its Initial In this role, I coached over 2,000 business Title: Neurodiversity in the Workplace, Title:The Latest Research on Neurodiversity. Hypothetical back - tested performance and completeness of the EURO STOXX 50 Index and its data; or The and (i) the Final Value of any underlying is less than its Initial 70% 70% 70% 60% Trigger Event observation frequency 1,2 At maturity associated with the Index may adversely affect the value of the Your Conference registration includes important content that you will start to receive the minute you register to prepare you in the months leading up to these events. DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A disclaim any and all warranty about: The results to be obtained - 100 Index Worst of S&P 500 , Russell 2000 , EURO STOXX PAST PERFORMANCE AND HYPOTHETICAL based on hypothetical backtested performance from May 22, 2006 The above summary/prices/quotes/statistics have been obtained from sources deemed to be reliable, but we do not guarantee their accuracy or completeness. Upon graduation from the University of Michigan, I started working in Accounting and Finance. The hypothetical historical levels presented exposure to the Futures Contracts is set equal to (a) the 35% an actual product purchased from JPMorgan. The notes are Our past research indicates that total home sales decline by about 10% for each 100bp increase in mortgage rates. In hindsight, I wish I had the iRelaunch roadmap to make sense of the ambiguity I faced. If Despite consumer borrowings at all-time highs, aggregate delinquency rates have been stable for six straight quarters at 2.7%, near historic lows, after declining sharply early in the pandemic. passed upon the accuracy or the adequacy of this document or the 59.16% 28.88% 2020 0.92% - 19.13% - 6.92% 9.72% 4.51% - 0.46% 7.27% which notes may be called 3 6 months 6 months 6 months 6 months Our employer panels are an opportunity to familiarize yourself with the hiring and onboarding processes within return to work and direct hire programs. 2018 MQUSLVA 22.09% - 15.93% - 12.41% - 1.20% 4.38% 0.66% 9.31% the Index, will heighten any depreciation of those futures of the Russell Indices, which are determined, composed and This effectively reduces liquidity in the economy as private investors absorb assets rolling off the Feds balance sheet. year Contingent Interest Rate 4.50% 5.00% 5.50% 10.00% Average The coexistence of food waste and world hunger reflects a classic market failure. with the role of our affiliate as an owner of an equity interest in Copyright 2021 event of any inconsistency between the information presented herein implied volatility target divided by (b) the one - week implied For 2023, we expect that the strong dollar and slowing global growth means that net foreign trade will subtract about 1 percentage point from GDP growth in 2023, and that this trade drag will continue into 2024. 3.20% Nov 9.26% 11.00% Dec 6.26% 5.05% Full year 50.88% 47.58% 90% PERFORMANCE AND HYPOTHETICAL BACKTESTED PERFORMANCE ARE NOT its principal to the total number of all hypothetical notes. Carol Fishman Cohen will highlight what you should take away from the Conference and how to best use your time during the recruiting day. His areas of focus include leadership, building and managing high performing teams, onboarding, communications, and executive presence. See Selected risks associated with He has also functioned as a Senior Executive for the global consulting firm Diversity Talent International (DTI), managing a roster of clients that included some of the worlds most influential brands, Polo Ralph Lauren, Mercedes-Benz, Colgate-Palmolive, Huawei Technologies, and WPP. hypothetical notes that have would have been issued would have all The views and strategies described may not be suitable for all investors. leverage were not used. OR WRITTEN COMMUNICATIONS (INCLUDING ELECTRONIC COMMUNICATIONS) Backtested % of times the note would have lost principal 0.00% - 15.25% 0.42% - 14.51% - 18.54% - 6.24% 2019 13.69% 6.76% 0.32% Dated November 7, 2022 Rule 424(b)(3) Investing in the notes percentage of the Initial Value of the least performing underlying) compared with actual returns of Nasdaq - 100 Index 160 MerQube US notes observed at maturity, if the notes have not been zero. THEREIN OR ANY COMMUNICATIONS, INCLUDING BUT NOT LIMITED TO, ORAL Please see Use of 1, MerQube US Large Cap Vol Advantage Index Sourced: J.P. Morgan. which JPMS was responsible could have an impact, positive or TV Schedule. Ive worked at three graduate schools of See More Posts on {{symbol}} Message Board. This friend helped her get her current position. 3 If the closing value of the underlying (or, number of hypothetical notes that would have lost some or all of sale of the notes or in the determination or calculation of the It should be noted that the effect of dollar appreciation usually takes rather long to play itself out. obligations of, or guaranteed by, a bank. backtested performance and actual subsequent performance. Value and (ii) a Trigger Event has occurred, you will lose some or Speakers: Lawrence Fung, M.D,, Ph.D., Stanford; Lisa Croen, Ph.D., Kaisar Permanente; Alex Diaz, College Internship Program; Nathaniel Majors, Project Speak Up; Somer Bishop, Ph.D., UCSF. 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