About those Embedded Derivatives

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 companies that sold it. Was this product ever the best solution for the Boomer retirement challenge?

Envestnet’s Big Annuities Play

Envestnet, with the help of six major annuity issuers, has built a platform where advisors from broker-dealers, banks and RIAs can blend insurance products and investments in the same financial plan. It's a service life insurers can't live without. But will RIAs embrace annuities?

FIAs for Retirement Income (Why Not?)

In this last article in our series on fixed indexed annuities, we consider the potential role of FIAs in providing retirees with guaranteed lifetime income. We find FIAs to be valuable, but underused for that purpose.

The Derivatives that Power Index Annuities

FIA owners can pick from an array of choices as cryptic as those on a roulette table. But if they don't understand options, how can they evaluate these safe but esoteric insurance products?
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Expect slow growth over next decade: Vanguard

The fact that 10-year Treasury rates are only about 2% indicates the market’s belief that the U.S. economy will grow slowly over the next decade, Vanguard pointed out.

See you in the new year!

Retirement Income Journal will not appear on December 28, 2011, in observance of the Christmas holidays. The next issue will appear on January 4, 2012. To all our subscribers and readers, thank you for making 2011 our best year yet!

The Bucket

Brief or late-breaking items regarding AXA Equitable Life, MassMutual, Prudential Financial, Barclays Wealth, and Wealth & Pension Services Group.