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Retirement Income Journal - The information forum of the decumulation industry.
June 30, 2022 Issue
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June 30, 2022

Behavioral finance

A ‘Cashback’ Pension-Building Card, from Germany

By Kerry Pechter Thu, Apr 14, 2022

'The Vantikcard uses the 1% cashback as a kickstart into retirement savings and for customers to then save on top of the cashback,' a Vantik veteran said. Right: Vantik...

Published April 14, 2022

Uncertainty at Both Ends of Retirement

By Kerry Pechter Fri, Oct 18, 2019

'Ignoring retirement age uncertainty can potentially have a significant (negative) impact on potential retirement outcomes,' writes David Blanchett of Morningstar in an award-winning research paper.

Published October 18, 2019

Annuities Need More Positive ‘Positioning’

By Editorial Staff Thu, Jun 13, 2019

'Consumer sentiment about annuities also appears to fluctuate based on the prevailing market environment,' according to a new study from CANNEX and Greenwald & Associates.

Published June 13, 2019

Variable annuity client behavior revealed in Ruark survey

By Editorial Staff Thu, Jun 6, 2019

'On a nominal basis 81% of GLWB exposure is in-the-money, whereas on an actuarial basis only 11% is in-the-money,' writes Ruark CEO Timothy Paris. (It's complicated.)

Published June 6, 2019

Auto-enrollees don’t ‘borrow to save,’ researchers say

By Editorial Staff Thu, May 30, 2019

In a departure from their preliminary findings of three years ago, economists found that middle-income government workers didn't increase their debt levels after being auto-enrolled in the Thrift Savings...

Published May 30, 2019

Retail investors reach for income when interest rates fall

By Editorial Staff Thu, Mar 7, 2019

A one percentage point drop in the federal funds rate is associated, over the following three years, with a five percent increase in the inflows to stock mutual funds...

Published March 7, 2019

Why People Should Work Longer, but Don’t

By Editorial Staff Tue, Feb 19, 2019

New research from the Center for Retirement Research at Boston College and the National Bureau of Economic Research looks at the economic and situational factors that affect individual decisions...

Published February 21, 2019

‘Digital design’: A new line of defense against ERISA lawsuits?

By Editorial Staff Thu, Jan 31, 2019

'A reliable way to avoid potential litigation is to... develop processes for determining which digital designs and elements are most relevant for participant success,' said Shlomo Benartzi. The UCLA...

Published January 31, 2019

VA income deferral incentives are working: Ruark

By Editorial Staff Thu, Nov 29, 2018

Income commencement rates on guaranteed lifetime withdrawal benefits with 10-year deferral bonuses are highest in year 1 and in years 11+, with low commencement rates in between, according to...

Published November 29, 2018

The Bucket Brigade

By Kerry Pechter Thu, May 3, 2018

Time-segmentation stands at the intersection of insurance and investments, of modern portfolio theory and asset/liability matching, and of behavioral finance and quantitative analysis.

Published May 3, 2018

People with pensions conserve their savings: EBRI

By Editorial Staff Thu, Apr 19, 2018

'Instead of spending down, a large number of retirees are continuing to accumulate assets throughout retirement,' writes Sudipto Banerjee of T. Rowe Price, who prepared the report on decumulation...

Published April 19, 2018

Need for annuities is strong but interest still weak: Survey

By Editorial Staff Thu, Mar 22, 2018

A new CANNEX/Greenwald survey shows that about four in 10 pre-retirees expect annual income under $50k in retirement; 23% expect $50k-$75k and 16% expect $75k to $99k. Under 20%...

Published March 22, 2018

Grasshoppers know they should act more like ants

By Editorial Staff Thu, Apr 23, 2015

Two-thirds of American adults consider themselves “savers,” but 54% have no net savings, according to a new survey sponsored by Northwest Mutual.

Published April 23, 2015

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Retirement Income Journal is a weekly, digital-only business-to-business news publication and website for life insurers, asset managers, financial advisors, academics, attorneys, regulators and technology firms worldwide whose products and services help Baby Boomers convert their savings to lifetime income. Established in 2009 and produced by "Annuities for Dummies" author Kerry Pechter, it reaches 7,000 online readers 48 times a year.

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