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Opinion
Barry Ritholtz

Ten Reasons Finance Will Keep Changing

Constant flux is the norm. Get used to it.

There’s no going back.

There’s no going back.

Photographer: Johanna Alexandre Jacobi/University of New Hampshire/Gado/Archive Photos/Getty Images

One of the great variables of appearing at investment conferences is the question-and-answer session after your presentation. No matter how well-prepared you may be, it’s hard to anticipate every query.

Such was the case earlier this week, when I was speaking to employees at a scrappy startup in Pennsylvania (OK, it was Vanguard Group). It was the last question, and it was a gem: “What do you think the financial-services industry will look like in five or 10 years?”