The ‘Fed Put’ Hurts Annuities—and Retirees

Low rates encourage excessive risk-taking. But the Fed keeps accommodating market sell-offs, which sets up a new round of boom and bust. Retirees (and the annuity issuers who serve them) need fair, steady interest rates.

FYI: Legal alerts from the Wagner Law Group

This post reprints the contents of three recent alerts for employers on labor law/retirement provisions of recent federal legislation pertaining to the COVID-19 crisis, provided by attorneys at the Boston-based ERISA law firm.

Protect Your Nest Egg with Options

Advisors can help protect their clients from market drawdowns by purchasing puts on the S&P500 Index, writes our guest columnist, the founder and CEO of DALBAR, which rates the quality of financial services.

Industry News

 Jackson National to offer LifeYield software to advisers; Public companies need to be transparent about COVID-19 impact; AM Best sets up coronavirus web page; Americans are worried but calm: Allianz Life; SIMON and Insurance Technologies team up; Advisers see opportunity in health care stocks: E*Trade.


March 26, 2020

‘Dull’ Investments Shine in a Crisis

Three retirement experts talk about boring products that you might wish you owned right now: I-Bonds, cash value life insurance and annuities.
March 19, 2020

Turn 401(k)s into Bond Ladders

Franklin Templeton SVP Drew Carrington says his firm's Defined Maturity Funds, which work like bond ladders, could provide retirement income for 401(k) participants, and could be paired with qualified longevity annuity contracts.
March 12, 2020

An Actuary Assesses COVID-19

A mortality and longevity expert at Willis Towers Watson writes that 'the variability of the mortality impact by age makes the impact highly variable by type of insurer.'