The Ultimate Income Strategy

"By making the final years of life (should they occur) the insurance company’s problem, makes retirement investing feel more manageable,” write Laurence Siegel and Barton Waring in the Financial Analysts Journal.

Examining the Indices in Index-Linked Annuities

A mountain biker needs 18 or 21 gears to smooth a path over rocks and through arroyos. Index-linked annuities now collectively offer some 140 index choices. Hybrid indices can theoretically smooth an investor’s path through rocky markets--but they're complicated.

The Point of Indexing (in Annuities)

Every June, RIJ focuses on indexed annuities. Last year, we studied options in indexed annuities. This year we consider the indexes themselves, especially 'hybrid' and 'volatility-controlled' indexes. Bryan Anderson, Don Dady and David Lau weighed in.

The Irony of Inflation Forecasting (Research Roundup)

In this month's roundup, we learn that CEOs pay little attention to inflation. We also find out why retirees keep saving, why "centaurs" pick stocks so well, which financial biases keep people poor, and how working longer affects male mortality.
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Should Undersaved Americans Work Longer?

In this review of "Falling Short," the new book about America's retirement crisis from the Center for Retirement Research at Boston College, labor economist Teresa Ghilarducci disagrees with the authors' main prescription: working longer and retiring later.

Extend RMD Relief to Indexed Annuities

A professor at The American College rebuts last week's RIJ critique of the National Association of Fixed Annuities' letter to the Treasury Dept. The letter asked that qualified indexed annuities, like qualified deferred income annuities, receive relief from required distributions at age 70 1/2.
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