_Position: Cover Archives - Page 5 of 35 - Retirement Income Journal

A Chip Off the Old Rock?

By Kerry Pechter Thu, Apr 15, 2021

Bloomberg reported this week that Prudential is considering selling its retirement plan recordkeeping business. Prudential didn't confirm the report, but several industry insiders did. Low interest rates, high costs...

Published April 15, 2021

What’s Cooking at ‘Income Lab’?

By Kerry Pechter Thu, Apr 8, 2021

At their software start-up, Income Lab, three former Jackson National Life executives want to help advisers help clients optimize retirement income. They enter a financial planning field dominated...

Published April 8, 2021

Security Benefit Life’s Secret Sauce

By Kerry Pechter Thu, Apr 1, 2021

Joe Wittrock, CIO at Security Benefit Life, explains how the firm's investments outperform. Eldridge Industries, run by ex-Guggenheim president Todd Boehly, owns SBL, Billboard magazine (right, with Billie Eilish...

Published April 1, 2021

Research Roundup

By Kerry Pechter Thu, Mar 25, 2021

Here's new research on tax avoidance among the very rich, the logic that millionaires use when buying equities, considerations for plan sponsors when estimating income from 401(k) balances, and...

Published March 25, 2021

Social Security Repair Bills, Compared by Actuaries

By Kerry Pechter Thu, Mar 18, 2021

In a webinar this week, a panel of Academy actuaries presented their analysis of three legislative proposals now floating inside the Beltway. One raises taxes, one lowers benefits, and...

Published March 18, 2021

How Biden Might Pay for Expenditures

By Kerry Pechter Thu, Mar 11, 2021

Having appropriated $1.9 trillion for pandemic recovery, and with more big ideas in store, the Democrats will be looking to balance their largesse with new revenue. If you're among...

Published March 11, 2021

‘Income America’ Offers ‘5ForLife’

By Kerry Pechter Thu, Mar 4, 2021

'Our clients are so past proprietary solutions,” said Scott Colangelo, who brought Lincoln Financial, Nationwide, American Century funds, Vanguard, Fidelity and others together to create Income America 5ForLife, an...

Published March 4, 2021

Beware the ‘Specialized’ ETFs

By Kerry Pechter Thu, Feb 25, 2021

In this month's Research Roundup, RIJ shares four recent academic papers on the proliferation of ETFs, the danger (or not) of national debt, rational inflation expectations, and the impact...

Published February 25, 2021

Jackson National Puts Its Future in Veteran Hands

By Kerry Pechter Thu, Feb 18, 2021

Laura Prieskorn (left) and Marcia Wadsten are the new CEO and CFO of Jackson National Life. The leading seller of variable annuities in the US is in the process...

Published February 18, 2021

Which ‘Dependency Ratio’ Should We Use?

By Kerry Pechter Thu, Feb 11, 2021

Economists typically use the 'aged dependency ratio' to show the burden of the Social Security program on workers. But the 'total dependency ratio' might be more informative. (Photo by...

Published February 11, 2021

Boola-Boola, Retirement Moolah

By Kerry Pechter Thu, Feb 4, 2021

Yale's $7 billion 403(b) plan offers TIAA's RetirePlus Pro target-date solution to its 27,000 active and retired participants. The portfolios use Vanguard and TIAA CREF funds, and a liquid...

Published February 4, 2021

How to Solve the World’s Retirement Crisis

By Kerry Pechter Thu, Jan 28, 2021

Retrofitting 401(k) plans with lifetime income options is one of the thorniest challenges of our time. We describe three possible solutions to that puzzle, from Nobelist Robert Merton and...

Published January 28, 2021

NY Life, Schwab Flex Their Annuity Muscles

By Kerry Pechter Thu, Jan 21, 2021

New York Life's new IndexFlex VA has a fixed indexed sleeve--the insurer's first index-linked offering. Charles Schwab's Genesis VA (issued by Protective Life) has lots of income optionality. The...

Published January 22, 2021

Modeling Variable Annuity Owner Behavior

By Kerry Pechter Thu, Jan 14, 2021

Americans own almost $900 billion worth of variable annuities with lifetime income guarantees. Uncertainty over the way policyholders and their advisers might use the contracts can keep life insurer...

Published January 14, 2021

Trends RIJ Will Track in 2021

By Kerry Pechter Thu, Jan 7, 2021

When will annuities be loved? After all the creative destruction of the past 10 years, what’s next for the annuity industry? Which trends will persist? Which products will flourish?...

Published January 7, 2021

The Catch-22 of In-Plan Annuities

By Kerry Pechter Thu, Dec 17, 2020

Fixed deferred annuities may be the most promising candidates for inclusion in 401(k) plans. But in order to adapt these contracts to the defined contribution space, they must lose...

Published December 17, 2020

Bermuda Triangle Part IV: The Reinsurance Angle

By Kerry Pechter Thu, Dec 10, 2020

Publicly-held life insurers are using reinsurance to improve their balance sheets. But at what cost? 'I believe that many of these blocks of business are only being funded in...

Published December 10, 2020

Take ‘AIM’ at Retirement Income Goals

By Bruno Caron Tue, Dec 1, 2020

In this excerpt from his new book, 'Lifetime Income to Retire with Strength,' AM Best actuary Bruno Caron presents an example of his 'AIM' retirement income planning method. He...

Published December 3, 2020

Treasury Nominee Janet Yellen (the Un-Steve Mnuchin)

By Kerry Pechter Thu, Nov 26, 2020

Yellen, the first woman nominated for Treasury chief, is an academic economist, not a Wall Streeter. As Fed chief, she was known as an interest rate “dove;” more inclined...

Published November 26, 2020

Using Cash Value Life Insurance for Retirement Income

By Steve Parrish Thu, Nov 19, 2020

Cash value life insurance can be a versatile tool in the hands of a diligent financial advisor, writes our guest columnist, an Adjunct Professor of Advanced Planning at The...

Published November 19, 2020

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