Income Strategies Archives - Retirement Income Journal

RIJ Launches the 401(k) Income Research Center

By Kerry Pechter Wed, Jul 31, 2024

RIJ intends to give plan sponsors, plan advisors, retirement plan service providers and others an up-to-date, easy-to-access source of curated information and competitive intelligence on products and processes that...

Published August 2024

Should Participants Get Lifetime Income By ‘Default’?

By Kerry Pechter

The ERISA Advisory Council heard testimony on whether to tweak the rules for Qualified Default Investment Alternatives to accommodate—or exclude—annuities. Advisors to 401(k) plans should read this.

Published August 2024

What Recordkeepers Think about 401(k) Annuities

By Kerry Pechter Fri, Jun 28, 2024

The Defined Contribution Institutional Investment Association (DCIIA), a Washington, DC-based trade group, recently conducted a survey of recordkeepers to measure their progress toward facilitating income options in 401(k) plans.

Published July 2024

BlackRock relaunches its “LifePath Paycheck” retirement income tool

By Kerry Pechter Wed, May 1, 2024

'DCIO' asset managers like BlackRock must find ways to retain participant assets post-retirement and enrich the value of their target date funds. They must also make themselves relevant to...

Published May 2024

A ‘Nesting Doll’ of an In-Plan Annuity

By Kerry Pechter Wed, Apr 3, 2024

ARS, State Street Global Advisors, Nationwide, Athene, Transamerica and Global Trust Company have brought to market the State Street GTC Retirement Income Builder, a target date fund with a...

Published April 2024

Auto workers’ DC plan will link to Hueler Income Solutions

By Editorial Staff Tue, Apr 2, 2024

Union workers at General Motors and Stellantis (Chrysler et alia) in Detroit will be able to link directly from their 401(k) platform or employee benefits portal to the Hueler...

Published April 2024

A Potential Alternative to the Rollover IRA

By Mark Shemtob

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

MetLife to offer income annuities on Fidelity’s platform

By Editorial Staff Mon, Mar 4, 2024

The MetLife solution enables participants at all savings levels to purchase an immediate income annuity through an insurer selected by their employer and annuitize any portion of their savings,...

Published March 2024

Meet the Newest Platform in the 401(k) Annuity Space

By Kerry Pechter

'We’re a product design firm,' ALEXIncome co-founder E. Graham Clark told RIJ. 'We feel we’ve built the best process for integrating annuities into retirement accounts.'

Published March 2024

Two retirement experts launch a planning start-up

By Kerry Pechter

“By clarifying how investment volatility and an unknown lifespan impact spending, IncomePath allows a client to select the right combination of investment risk, portfolio withdrawals, and annuity income,” Michael...

Published March 2024

Fidelity’s Plan Sponsors Can Now Offer Annuities

By Kerry Pechter Tue, Feb 6, 2024

Income products issued by MetLife, Pacific Life, Prudential Financial and Western & Southern Financial Group are available on the Fidelity platform, with additional insurers to be added in the future, Fidelity said in its...

Published February 2024

‘Sticking to the Plan’ While Taking Income

By Kerry Pechter Mon, Feb 5, 2024

Pension Plus is a recent entry in the race to sell decumulation tools to 401(k) plan sponsors. Shlomo Benartzi, the behavioral finance expert, conceived it. Retirement industry veteran Mike...

Published February 2024

The ‘Retirement Income Consortium’ is Born

By Kerry Pechter Thu, May 5, 2022

Eight financial giants formed the Retirement Income Consortium to promote income solutions in 401(k) plans and 'develop a vetted due diligence framework' for 'selection and monitoring' of those solutions.

Published May 5, 2022

Finke report touts benefits of ‘contingent deferred annuities’

By Editorial Staff Fri, Apr 29, 2022

A CDA 'unbundles' the two main parts of a variable annuity with a living benefit: the investments and the income guarantee. It gives advisors more investment flexibility than VA...

Published April 28, 2022

Re-Think the Safe Retirement Spending Rate: Morningstar

By Christine Benz Thu, Nov 11, 2021

The safe withdrawal rate is now 3.3%, writes Morningstar Director of Personal Finance Christine Benz. But she adds that retirees could withdraw as much as 5% a year if...

Published November 11, 2021

Use of bond ETFs for retirement income expected to rise: Cerulli

By Editorial Staff Tue, Oct 5, 2021

A new Cerulli report also explores sales of annuities to fee-only advisors; '84% of independent registered investment advisors (RIAs) sold no annuities in the last 12 months… despite significant work in...

Published October 7, 2021

Learn to [Ted] ‘Lasso’ Women Clients

By Kerry Pechter Wed, Sep 22, 2021

David Macchia of Wealth2k and author Marcia Mantell are about to launch a new service, Women And Income, a turnkey marketing, income planning and lead generation service for advisers....

Published September 23, 2021

A New Path to Inflation-Resistant Income

By Kerry Pechter Thu, Sep 16, 2021

Achaean Financial's novel hybrid design for a lifetime income annuity is being brought to market by National Western Life. We spoke with Achaean founder Lorry Stensrud and NWL's Chad...

Published September 16, 2021

Wade Pfau’s Income Expert Success Tools

By Kerry Pechter Thu, Aug 19, 2021

Here's the "RISA" method for matching retirees with income-generation strategies, from Wade Pfau, Ph.D., of The American College and RetirementResearcher.com, and his colleague Alejandro Murguia, Ph.D. ("RISA" is Spanish...

Published August 19, 2021

Not Yet Legal in the US: CRITs

By Mark Shemtob Thu, May 20, 2021

Collective Retirement Income Trusts resemble variable income annuities, but without explicit guarantees. These group arrangements could help retirees turn part of their 401(k) or IRA savings into rising income...

Published May 20, 2021

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