Research 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

Recurring Idea: Give the ‘Tax Expenditure’ to the Poor

By Kerry Pechter

The Penn Wharton Budget Model, a group that assesses new spending programs, calculates that, if the US Treasury eliminated the tax deduction for contributions to retirement plans, it could...

Published August 2024

Test-drive annuities at CANNEX/Luma ‘Marketplace’

By Editorial Staff Sun, Jun 2, 2024

The Annuity Marketplace will provide income, rate, yield, and product information on annuities from more than 60 issuers, a CANNEX release said. Advisers can illustrate the outcomes of market...

Published June 2024

Here Come the Suits

By Kerry Pechter Tue, Apr 2, 2024

Close observers of the 'Bermuda Triangle' strategy weren't surprised when class action lawsuits were filed against AT&T, State Street Global Advisors and Lockheed Market for their choice of Athene...

Published April 2024

How do 401(k) participants save? Vanguard knows.

By Editorial Staff Thu, Jun 9, 2022

Vanguard released its 2022 edition of 'How America Saves,' a compendium of data on millions of Vanguard-administered 401(k) plan accounts. Of participants ages 65+, half had balances under $88k....

Published June 9, 2022

Who Has ‘Three Legs at Evening’? (The Elderly)

By Kerry Pechter Thu, May 12, 2022

The Pension Research Council's Spring Symposium took place (virtually), which meant no semi-formal dinner with the sphinx at the University of Pennsylvania's museum. But the presentations of research papers...

Published May 12, 2022

Who snagged the best investment results in 2021? Dalbar knows

By Editorial Staff Thu, Apr 21, 2022

Dalbar founder Lou Harvey's latest Quantitative Analysis of Investor Behavior shows how much more equity investors might have earned in 2021 if they had stuck to the fundamentals. But...

Published April 21, 2022

It’s Inflation or Recession: Larry Summers

By Kerry Pechter

In this research roundup, economist Larry Summers predicts a recession next year. We also review new papers on annuitization habits of TIAA participants, 'tontines' for Chile, shortages of...

Published April 21, 2022

Target-date fund assets grow to $3.27T: Morningstar

By Editorial Staff Wed, Mar 23, 2022

Five providers control 79% of the target-date market: Vanguard, Fidelity, BlackRock, State Street, and American Funds, according to Morningstar's 2022 Target-Date Strategy Landscape report.

Published March 24, 2022

Research Roundup

By Kerry Pechter Thu, Jan 6, 2022

Almost every controversial subject in the US today--from Fed policy to machine learning to immigration--contains an element or theme related to retirement policy. The articles reviewed in this month's Research...

Published January 6, 2022

Charting the Bitcoin Universe (and other New Research)

By Kerry Pechter Thu, Oct 28, 2021

This Research Roundup offers a map of the world of cryptocurrency trading, a look at 'Participating Longevity-Linked Annuities,' an investing strategy for low-yield times from David Blanchett, and answers...

Published October 28, 2021

Research Roundup

By Kerry Pechter Thu, Sep 30, 2021

This month we bring you scholarly articles on the Social Security 'tax torpedo,' the likelihood of needing long-term care, the best decumulation strategies from DC plans, the people most...

Published September 30, 2021

Retirement assets total $37.2 trillion in 2Q2021

By Editorial Staff

Assets in IRAs totaled $13.2 trillion at the end of 2Q2021, up 5.4% from the end of 1Q2021. Defined contribution (DC) plan assets were $10.4 trillion at the end...

Published September 30, 2021

How The Elephant in the Room Evolved

By Kerry Pechter Thu, Jul 22, 2021

In a new research paper, "The Evolution from Life Insurance to Financial Engineering," economists Ralph Koijen of Chicago Booth School and Motohiro Yogo of Princeton continue to describe what...

Published July 22, 2021

Diversification and Insurance: Which Should Come First?

By Kerry Pechter Tue, Jun 8, 2021

'Diversification before insurance tends to perform better than insurance before diversification in the long run... but there are exceptions to this finding,' according to four analysts at Rand Merchant...

Published June 10, 2021

The Irony of Inflation Forecasting (Research Roundup)

By Kerry Pechter Thu, May 27, 2021

In this month's roundup, we learn that CEOs pay little attention to inflation. We also find out why retirees keep saving, why "centaurs" pick stocks so well, which financial...

Published May 27, 2021

24 billion trades recorded on last January 27: Cerulli

By Editorial Staff Thu, May 20, 2021

The infamous short-squeeze craze of 2021, led by Millennial and Gen-Z investors on Reddit, led to an average of 15 billion trades per day executed in January 2021.

Published May 20, 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

The Fallen Angels of ‘Nomadland’

By Kerry Pechter Wed, Apr 28, 2021

Many elderly poor in America have always been poor. But the elderly poor in 'Nomadland' seem relatively new to the game. We compare the people in the film to...

Published April 29, 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

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