A 5-Year Cushion against Market Risk

'Prudent Asset Allocation' gives you the confidence of knowing that over the next five years, you don’t have to worry about market conditions,” says Louis S. Harvey of Dalbar, the financial services research firm. 'You can put more money into growth assets.'

TIAA Expands into 401(k) Plan Market

Many firms are trying to add retirement income options to defined contribution plans at for-profit companies. TIAA, which invented the in-plan annuity for the non-profit world, intends to cross-over and compete with them.
Bermuda Triangle News

American Life & Security FIA adds ‘macro regime’ index

Midwest Holdings has only about $77 million in market cap, but it wants to be on the leading edge of the 'convergence of insurance and investments.' Its American Life & Security subsidiary sells fixed annuities.

The coming wealth transfer: $84.4 trillion

'About $72.6 trillion in assets will be transferred to heirs, while $11.9 trillion will be donated to charities,' according to Cerulli Associates. More than half will be transferred by Baby Boomer households.


January 14, 2022

‘Smart,’ from UK, Enters the US PEP Market

'Smart' is the recently-launched American branch of a British fintech with expertise in a kind of retirement savings plan that's called a 'master trust' in the UK and a 'pooled employer plan' or PEP...
January 6, 2022

Research Roundup

Almost every controversial subject in the US today--from Fed policy to machine learning to immigration--contains an element or theme related to retirement policy. The articles reviewed in this month's Research Roundup are proof of that.
December 16, 2021

‘iTDFs’ Smooth the Bumps of Retirement Income

A former chief actuary of Denmark seeks a US target date fund company that might use his technology, the 'iTDF,' to create a seamless transition from pre-retirement savings to safe income during the first...