RIJ’s Annual Variable Annuity Review

Every July, RIJ assesses the VA market. This year, we look at the “investment only” or “IO” VA, the structured VA, and the VAs with novel income options. All address the public’s need for growth and safety without costing a lot or threatening to backfire on the issuer.

How to Choose an Annuity Issuer

Shopping for an annuity, like shopping for a car, involves questions about the manufacturer of the product. Do their products perform as expected? Will service quality be high? Are they likely to stay in business? We show you where to look for answers.

Time to Put Benjamins Back in the Sock Drawer?

At the LIMRA annual conference in Boston earlier this week, MIT economist James Poterba described how low interest rates make saving for retirement more of a challenge.

Pitching Income Annuities on Greed

Speakers Wade Pfau and Curtis Cloke showed planners at the Financial Planning Association's 2019 conference in Minneapolis that income annuities can provide growth as well as protection.
Featured

Time for Fed to Take ‘Beer Goggles’ Off

“Early next year, or potentially sooner depending on the pace of economic improvement, the FOMC may well begin to raise interest rates in gradual increments,” said the CEO of the Dallas Fed in a speech this week.

My Dad’s Reverse Mortgage, Part II

I was staring into the smirking face of Moral Hazard itself. The stain of it was smeared on me too, because I was wishfully thinking that the condo might not involve me after all.
News

Quote of the Week

"At some point you cross the line from reviving markets to becoming the bellows fanning the flames of the “Booming and Bubbling”... I believe we have crossed that line. I believe we need an adjustment to the stance of monetary policy" -- Richard K. Fisher, CEO, Dallas Fed.