The Best Retirement Research of 2011

What were the most significant decumulation research papers published last year? These ten articles can certainly claim to be among them.

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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Vocal reactions to the New 401(k) Rules

Professionals from across the retirement income industry express their views of the DoL/Treasury announcement last week on fee disclosure and annuities.

An Interview with David Wray

Don't expect participants to revolt when they see how high their 401k fees are, and don't expect 12b-1 fees to disappear, said the president of the PSCA. But the problem of 'fee bracket creep' should be fixed by new federal rules.
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The Bucket

Brief or late-breaking items from the Retirement Income Industry Association, the Defined Contribution Institutional Investors Association, Lincoln Financial, and Prudential Retirement.