A Fixed Index Annuity with a Dash of Risk

By Kerry Pechter

The Momentum Growth contract from Delaware Life introduces a bit of gambling to the FIA product category—but within guardrails, and only with what contract owners might call 'house money.'

Powell Should Resist Pressure to Lower Interest Rates

By Kerry Pechter

Today, interest rates in the U.S. are close to long-term averages. As a result, equity and fixed income investors are both rewarded. Lower rates aren't needed now, and may trigger a need for higher rates in the future.

401(k) Annuities for ‘Pretty Good’ Lifetime Incomes

Recognizing the longevity gap that's correlated with education, three retirement scholars recommend default income annuities starting at age 67 for participants with only high school diplomas and age 80 for those with college degrees. Such annuities aren't yet permissible as default options in 401(k)s.

ChatGPT’s View of Private Equity in TDFs

By Chris Tobe

'Private equity appears safer and more diversifying than it really is because it controls its own marks. This undermines the integrity of asset allocation models and can lead to over-allocation, particularly in pensions, endowments, and TDFs,' the A.I. companion opines.

Insurers, CLOs, and High-Risk Borrowers: Oh My!

By purchasing tranches of collateralized loan obligations (CLOs), insurers increasingly 'provide the ultimate funding for bank loans,' recent research says. 'Understanding these transmission channels from non-bank investors to borrowers is crucial for assessing financial stability in modern credit markets.'

Data Connection: Data Connection

Get the Whole Story. Subscribe Today
to Retirement Income Journal.
Now reaching 7,000 thought-leaders a week!