Tales from the Annuity Frontier

Three pioneers in the creative use of annuities in retirement portfolios--Wade Pfau, Joe Tomlinson, and Steve Vernon--have created an "efficient frontier" for deferred income annuities in two reports published in November by the Society of Actuaries.

With BluePrint Income, AARP Ups its Ante on Annuity Sales

AARP's 38 million members can now buy income annuities and fixed-rate annuities on a platform powered by fintech firm Blueprint Income. Buyers get a complimentary annual 'retirement income check-up' from a salaried, insurance-licensed adviser. 

We Could Use Some Inflation

The Treasury said this week that it will borrow (and spend) about $3 trillion this quarter, to cover its stimulus promises. Where does that money come from and where does it go? 'The capital is going from one pocket to another,' explains Vanguard's active Treasury fund manager, who expects the stimulus to be withdrawn in 2022.

Look Homeward, Seeker of Liquidity

During a market crisis, a reverse mortgage home equity line of credit (ReLOC) can be a lifeline of ready cash for homeowners ages 62 and older. Don Graves of HECM Advisors Group explains.
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Opportunity Knocks on the 2016 Door

Ron Surz, the target date fund authority, is back with his annual market retrospective and forecast. He apologizes for missing the mark last year (he predicted a 19% drop in 2015), but believes that equity markets won't escape the bear this year.

Global Economy ‘Frustratingly Fragile’

'There is a high likelihood of an extended pause in interest rates at, say, 1%, that opens the door for balance-sheet normalization and leaves the inflation-adjusted federal funds rate negative through 2017,' say Vanguard economists in a new Global Outlook.
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