They’re Relatively Well-Off

The median annual income for people over age 65 in the United States is only $18,000, including public assistance and financial help from friends and family. The average—skewed upward by the highest incomes—is almost $29,000.

‘Dull’ Investments Shine in a Crisis

Three retirement experts talk about boring products that you might wish you owned right now: I-Bonds, cash value life insurance and annuities.

Turn 401(k)s into Bond Ladders

Franklin Templeton SVP Drew Carrington says his firm's Defined Maturity Funds, which work like bond ladders, could provide retirement income for 401(k) participants, and could be paired with qualified longevity annuity contracts.

An Actuary Assesses COVID-19

A mortality and longevity expert at Willis Towers Watson writes that 'the variability of the mortality impact by age makes the impact highly variable by type of insurer.'
Featured

Reish & Reicher Comment on TDF Proposals

“We expect that the SEC proposals will be adopted much as proposed," says Fred Reish, the well-known ERISA lawyer. But a TDF expert says plan fiduciaries should do more than merely comply with them.
News

A Dynamic Approach to Sequence Risk

A new scholarly claims that sequence risk demands attention throughout retirement, not just during the years immediately before and after the retirement date.

RIJ Takes a Holiday

Retirement Income Journal will not be published July 28. The next issue will appear August 4, 2010.

TDF Demographics Revealed

The share of all 401(k) plan participants using TDFs increased from 25% in 2007 to 31% in 2008, a new study from the Employee Benefits Research Institute shows.

ASPPA Supports DOL-Mandated Fee Disclosure


Over time, the fees and expenses charged to DC plan accounts can take a substantial bite out of retirees’ retirement savings, said the CEO of the plan sponsor advisers and actuaries group.

Retirement Planning CE Course Offered

"Planning for retirement can involve multitudes of subjects. As individuals gain knowledge on the value of annuities, they will understand the benefit of this product," Quest CE said in a release.