Kerry Pechter, Author at Retirement Income Journal

Articles by Author: Kerry Pechter

Editor and Publisher of Retirement Income Journal, Kerry Pechter is author of Annuities for Dummies (Wiley, 2008) and former editor of the SourceMedia publication, Annuity Market News/Retirement Income Reporter. He has been an annuity columnist for Senior Market Advisor, and his feature articles have appeared in The New York Times, Wall Street Journal, Men's Health and many other national publications. From 1997 to 2006, he was a writer and editor supporting the Retirement Resource Center at The Vanguard Group. In 2009, he traveled to Taiwan and reported on the retirement industry there as a fellow of the National Press Foundation. A graduate of Kenyon College and recipient of a fellowship in creative writing at Indiana University, Pechter resides in Emmaus, PA, with his wife Lisa, the director of marketing and publicity for the Pennsylvania Shakespeare Festival at DeSales University.

St. Louis Fed president questions U.S. monetary policy

By Kerry Pechter Tue, Apr 10, 2012

"Monetary policy is a blunt instrument which affects the decision-making of everyone in the economy,” said James Ballard, pointing out that low interest rates hurt savers. Better to address...

Published April 11, 2012

‘Pullback from pure DC’ predicted in UK

By Kerry Pechter

Current DC arrangements in the UK are so inadequate, one official said, that employers will eventually find their workforce dominated by workers in their 70s or 80s who can't...

Published April 11, 2012

DST, LIMRA form alliance that could spur ‘in-plan’ annuities

By Kerry Pechter

DST Retirement Solutions recently introduced its Retirement Income Clearing Calculator (RICC) platform, a “middleware” solution that supports guaranteed retirement income products through traditional recordkeeping platforms.

Published April 11, 2012

Russell’s “parachute” decumulation strategy

By Kerry Pechter

The strategy recognizes that most people don’t want to relinquish a big chunk of their liquidity at age 65 and that the SPIA “mortality credit” isn't attractive until the...

Published April 11, 2012

The Crisis Behind the Crisis

By Kerry Pechter Mon, Apr 9, 2012

A new report from Oliver Wyman examines the dysfunctional state of the global financial services industry. It blames asset-liability mismatching for a lot of the trouble, and suggests a...

Published April 11, 2012

Rollups are Back in Style

By Kerry Pechter

Guardian Life and Protective Life have both filed prospectuses for variable annuities with 10-year/100% deferral bonuses.

Published April 11, 2012

Heat from the Street

By Kerry Pechter Tue, Apr 3, 2012

At a vulnerable juncture in the evolution of their products, publicly-held VA issuers are feeling unprecedented pressure from Wall Street. That was made clear by speakers at the IRI...

Published April 4, 2012

Act V of the VA Drama

By Kerry Pechter Wed, Mar 28, 2012

In an effort to de-risk its book of GMIB business, Transamerica Life is offering to buy back the benefit. And one firm, Achaean Financial, wants to help insurers convert...

Published March 28, 2012

The Weird Math of Charitable Gift Annuities

By Kerry Pechter Thu, Mar 22, 2012

Here's how the wealthy buy lifetime income while giving zip to insurance companies, a pittance to the IRS and--unless they live a very long time--a sizable gift to charity.

Published March 22, 2012

Will RIAs Sing This ARIA?

By Kerry Pechter Tue, Mar 13, 2012

ARIA Retirement Solutions and AEGON/Transamerica have created a stand-alone living benefit (SALB) for the $1.3 trillion managed account market.

Published March 14, 2012

Jackson Hits the Alt-Option Key

By Kerry Pechter Tue, Mar 6, 2012

Jackson National Life's newest variable annuity contract, Elite Access, offers a variety of high-turnover alternative investment options inside a tax-deferred wrapper--and no living benefits.

Published March 7, 2012

The Income Expert

By Kerry Pechter Wed, Feb 29, 2012

In this video, Mark J. Warshawsky, director of Retirement Research at Towers Watson, discusses his new book, Retirement Income (MIT Press, 2012) with RIJ editor Kerry Pechter. Their conversation...

Published February 29, 2012

The Best Retirement Research of 2011

By Kerry Pechter Tue, Feb 7, 2012

What were the most significant decumulation research papers published last year? These ten articles can certainly claim to be among them.

Published February 8, 2012

Halfway Back to Prosperity?

By Kerry Pechter Wed, Feb 1, 2012

Carmen Reinhart, co-author with Kenneth Rogoff of the best-selling "This Time Is Different," spoke at the IMCA conference in New York this week. We're five years into a 10-year...

Published February 1, 2012

Sounds Like a Plan

By Kerry Pechter Wed, Jan 25, 2012

A directory of 27 software tools accompanies this overview of the rapidly evolving financial planning technology industry.

Published January 25, 2012

Lion’s Share

By Kerry Pechter Thu, Jan 19, 2012

ING U.S. Retirement will combine its own target date funds with the AllianceBernstein three-insurer annuity platform to offer a lifetime income option to its 52,000 small and...

Published January 19, 2012

About those Embedded Derivatives

By Kerry Pechter Wed, Dec 21, 2011

The variable annuity with a lifetime income benefit--sometimes known as an exotic put option or an embedded derivative--was a product that has come back to bite many of the...

Published December 21, 2011

Running Lapse around Variable Annuities

By Kerry Pechter Wed, Dec 7, 2011

As the living benefits of variable annuities became more valuable during the financial crisis, contract owners astutely held on to them, according to a presentation by Ruark Consulting at...

Published December 7, 2011

The “Evolution of the Annuity Industry”

By Kerry Pechter Wed, Nov 30, 2011

Like the Ford Mustang in 1965, the variable annuity with a lifetime income rider seemed like the right Boomer product at the right time in 2006. Then came the...

Published November 30, 2011

Airbag-Equipped Annuities

By Kerry Pechter Tue, Nov 22, 2011

VA issuers may be able to offer rich living benefits safely and inexpensively by embedding a futures-based hedging strategy inside their investment options. That's what Ohio National seems to...

Published November 23, 2011

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