Guest Column Archives - Retirement Income Journal

A Potential Alternative to the Rollover IRA

By Mark Shemtob Tue, Apr 2, 2024

Our guest columnist, an actuary and certified financial planner, suggests new vehicles, which he calls Qualified Retirement Income Providers (QRIPs), to help 401(k) plan participants convert part of their...

Published April 2024

A Recession’s Threat to Retirees and Near Retirees

By George A. (Sandy) Mackenzie Thu, Jun 30, 2022

A recession today could reduce a new retiree's ability to pay for assisted living or nursing care services or long-term care 20 years from now, among other effects,...

Published June 30, 2022

False Narratives Will Cost You Money

By George A. (Sandy) Mackenzie Thu, Jun 9, 2022

'The US stock market has likely put in a bottom. We expect a rotation out of growth to value. Will S&P 500 make all-time highs by the end of...

Published June 9, 2022

‘Growth Traps’ Outnumber ‘Value Traps’: GMO

By Ben Inker Thu, May 26, 2022

About 30% of stocks in the MSCI US Value index underperform that index by 9% on average in a typical year, writes our guest columnist. But about 37% of...

Published May 26, 2022

The Coming Stagflation

By Jason Hsu Thu, May 19, 2022

We're in for 'a prolonged period in the US of policy bickering and finger-pointing,' writes our guest columnist. 'The result will be economic molasses... The impact on you will...

Published May 19, 2022

Beware of double taxation on distributions: Wagner Law

By Wagner Law Group Tue, Apr 5, 2022

If your clients live in Massachusetts, Pennsylvania or New Jersey, they might inadvertently and erroneously pay significant additional state income taxes, according to the attorneys at Wagner Law Group...

Published April 7, 2022

Tough Fed talk on inflation, little bite

By Kerry Pechter Wed, Mar 23, 2022

'We prefer to take risk in equities over credit in the inflationary backdrop because we expect real—or inflation-adjusted—yields to stay historically low,' write BlackRock analysts.

Published March 24, 2022

‘Private equity’s insurance innovation needs a risk check’: Risk. net

By Kris Devasabai Thu, Mar 17, 2022

In this guest editorial, the editor-in-chief of Risk.net applauds the innovation that private equity firms bring to the annuity industry, but urges regulators to 'assess the private equity model,...

Published March 17, 2022

Beware the Risks of ‘Pension Risk Transfer’

By Edward Stone Fri, Mar 11, 2022

Thank you, Sen. Chris Murphy (D-CT), for introducing the Pension Risk Transfer Accountability Act of 2021 last week.

Published March 11, 2022

Pensionizing the 401(k) with Annuities

By Terrence Dopp Thu, Feb 10, 2022

Historically, workers couldn’t set up guaranteed retirement income streams directly through their 401(k) accounts. But that’s changing, and the annuity industry sees it as a big opportunity, according to...

Published February 10, 2022

Higher Rates Won’t Quell This Kind of Inflation: BlackRock

By Terrence Dopp Thu, Jan 27, 2022

'Central banks should live with supply-driven inflation, rather than destroy demand and economic activity – provided inflation expectations remain anchored,' write Elga Bartsch and Nicholas Fawcett of BlackRock's Macro...

Published January 27, 2022

Are Concerns over Growing Federal Government Debt Misplaced?

By Randall Wray Tue, Jan 4, 2022

'Let’s put both affordability and solvency concerns to rest: the question is never whether Uncle Sam can spend more, but should he spend more,' writes our guest columnist Randall...

Published January 6, 2022

Capitalism, And Other Myths

By Jonathan Gregory Wed, Dec 15, 2021

'Sometimes, the problem is just knowing when to stop,' writes Jonathan Gregory, head of fixed income UK for UBS Asset Management, in writing about the implications of the loose...

Published December 16, 2021

I’m HIPP, and That’s Not Cool

By John Rafferty Wed, Sep 22, 2021

Our guest columnist, an experienced annuity marketing executive, just founded Rafferty Annuity Framing LLC. He points out that the annuities with living benefits still provide longevity risk protection at...

Published September 23, 2021

Delaying Required IRA Distributions Again Would Largely Help Only The Wealthy

By Howard Gleckman Thu, May 27, 2021

'The RMD change in the SECURE Act would make it easier for wealthy seniors to pass on retirement plan assets with any tax liability delayed for years,' writes our...

Published May 27, 2021

A Quick Way to Estimate Portfolio Longevity

By Jim Otar Thu, May 6, 2021

Our guest columnist describes a simple tool that inputs historical market performance, a client’s account balances, her personal “sequence of returns” in the first five years of retirement, and...

Published May 6, 2021

Signs of a ‘Price-Chasing’ Bubble

By Frank Veneroso Thu, Apr 29, 2021

'Very low rates have contributed to the duration and amplitude of the stock market’s trajectory over most of the last decade,' leading to a dangerous risk buildup, writes our...

Published April 29, 2021

Life Insurers face “The Great Call”: Larry Rybka

By Editorial Staff Thu, Apr 15, 2021

Isn't it time for someone to say something loud about the damage (seen and unseen) inflicted on traditional life insurance companies--and their strategic partners and customers--in recent years? Larry...

Published April 15, 2021

Hardwired COLA vs. Performance-Based COLA: What’s Best?

By Craig L. Israelsen, Ph.D. Tue, Mar 30, 2021

For retirees who don’t mind slight to moderate reductions in their annual income roughly one-third of the time, we recommend withdrawing a fixed percentage of their portfolio’s ending account...

Published April 1, 2021

China’s Bond Market: Too Big To Ignore

By Peter Marber Thu, Mar 25, 2021

'At about $16 trillion in value, the Chinese market has become too big to ignore as it grows in bond indices and offers higher yields than in the other...

Published March 25, 2021

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