[Verse 1] Giants hold the purse strings tight, billions in their vault Pension funds guard worker dreams, retirement's not their fault Decades of collected dues, steady contributions flow Building wealth for golden years when paychecks cease to grow [Chorus] P-E-I-S-B, remember these with me Pension, Endowment, Insurance company Sovereign funds and Banks complete the family tree Institutional money, moving massively [Verse 2] Endowments fuel the ivory towers, Harvard's endless chest Forever funds for universities, eternally blessed Foundations channel charity, Gates and Ford's design Tax-exempt and purpose-driven, mission over time [Chorus] P-E-I-S-B, remember these with me Pension, Endowment, Insurance company Sovereign funds and Banks complete the family tree Institutional money, moving massively [Verse 3] Insurance giants calculate, premiums they collect Actuaries crunch the numbers, claims they must protect Life and property coverage, reserves they must maintain Investing float efficiently until the claims remain [Bridge] Sovereign wealth from oil and trade Norway's fund, Singapore's blade National treasures, country's pride Investing for the public side [Verse 4] Commercial banks with deposits deep, lending is their game Capital requirements binding, regulations frame Asset-liability matching, duration risk they face Different goals and time horizons, each finds their place [Chorus] P-E-I-S-B, remember these with me Pension, Endowment, Insurance company Sovereign funds and Banks complete the family tree Institutional money, moving massively [Outro] Risk and return profiles vary, liquidity needs shift Understanding who's investing, that's the analyst's gift
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