Skin in the (Costa Rican Retirement) Game

How do Costa Ricans pay for retirement? In San Jose, Alvaro Ramos Chaves (above), the pensions regulator, told RIJ how his nation’s mandatory DB and DC plans work. His insights could inform our own debates.

How The Elephant in the Room Evolved

In a new research paper, "The Evolution from Life Insurance to Financial Engineering," economists Ralph Koijen of Chicago Booth School and Motohiro Yogo of Princeton continue to describe what is arguably the 'elephant in the room' for life/annuity companies.

An Insider’s Take on the ‘Bermuda Triangle’ Strategy

Willis Re, a reinsurance broker, has had an uptick in calls from life insurers hoping to execute what RIJ calls 'The Bermuda Triangle' strategy, thus removing a millstone and reaping a capital windfall. Willis Re executive Mike Kaster explains.

One-Stop Shops for Notes and Annuities

Luma Financial Technologies is now among the structured notes platforms that have chosen to add index-linked annuities to the products they support. It joins SIMON Markets and Halo in that space. In this last segment of our series on indexed products, we examine these new alliances.
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Who Will Sell Transamerica’s New No-Commission VA?

“The sales outlook for 2017 is too soon to tell, given . We are confident that there is a market need for this structure in planning for retirement income,” Transamerica SVP Joe Boan told RIJ.

Anecdotal Evidence: The 10% Solution

The smartest companies contribute 10% of pay to each employee's retirement account--not as a bonus but as a carve-out of compensation. This policy is the most effective way to help workers save enough for retirement.
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