Whose Retirement Crisis Is It, Anyway?

The thrust of last week’s ICI Retirement Summit was that there’s no broad retirement savings crisis needing government action. But that doesn’t mean Boomers won’t need help with decumulation.

Examining the Indices in Index-Linked Annuities

A mountain biker needs 18 or 21 gears to smooth a path over rocks and through arroyos. Index-linked annuities now collectively offer some 140 index choices. Hybrid indices can theoretically smooth an investor’s path through rocky markets--but they're complicated.

The Point of Indexing (in Annuities)

Every June, RIJ focuses on indexed annuities. Last year, we studied options in indexed annuities. This year we consider the indexes themselves, especially 'hybrid' and 'volatility-controlled' indexes. Bryan Anderson, Don Dady and David Lau weighed in.

The Irony of Inflation Forecasting (Research Roundup)

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 biases keep people poor, and how working longer affects male mortality.
Featured

Where Young Advisors Can Give and Get Advice

“Think of the robo-advisors as high-tech, low-touch, and the high-minimum fee-only planners as low-tech, high-touch. We’re high-tech, high-touch," said Alan Moore, a young planner who, with Michael Kitces, has started XYPlanningNetwork to help other young planners build practices to serve Gen X and Gen Y investors.

RetirePreneur: Kelli Hueler

While in Japan on business in the late 1990s, Kelli Hueler saw an aging society and had an epiphany. She realized that American retirees would soon need sources of guaranteed income. So she started a SPIA sales platform called Income Solutions. Last winter, she added DIAs.
News

Financial discipline is important, but uncommon

Sixty percent of the respondents to a Northwestern Mutual survey said their financial planning could use improvement; the most common obstacle to improvement was lack of time, cited by 27% of those surveyed.