The Downside of Upping the Retirement Age

Social Security turns 75 on Saturday, and pressure to raise the claiming age for full benefits is rising. But that would hurt the least well-off most, said experts at the Retirement Research Consortium meeting in Washington last week.

‘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.

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.

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.'
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Process First, Not Product

When clients discover that products have been sold to them without the adequate use of process, some advisors will surely face a day of reckoning, says the president of The Strategic Distribution Institute, LLC.
News

Boomer Decumulation May Depress Asset Prices

The problem is that the demographic group that is selling homes and investments—the postwar BabyBoom generation—will be larger than the group that will be buying the assets.

New York Life Sets Income Annuity Sales Record

The nation’s largest mutual life insurer announced a record $870 million worth of income annuity sales in the first half of 2010, along with gains in life insurance, long-term care insurance, mutual fund sales.

Your Loophole Is My Noose

Tax breaks, when seen as passive spending programs, are a form of government waste. So raising taxes might shrink the size of government. Or not.