Life Just Got Easier for Qualified DIAs

The new Treasury regulation on "longevity insurance" does more than promote late-life annuities. By removing an RMD barrier, it makes retirement income planning easier for middle-class people whose savings are mainly in qualified plans or IRAs.

The Sacrificial Payroll Tax

Idle talk about suspending the payroll tax is making 'blue' Senators blue. We get answers from Social Security expert Eugene Steuerle of the Urban Institute.

An Income-Generating ‘Collar’

Using a 'protective net-credit collar,' the Nationwide Risk-Managed Income ETF has distributed monthly income at an annual rate of 7.88% in 2020, while appreciating 10%. Is there a catch?

Life Insurers’ Bermuda Triangle, Part II

The humble fixed indexed annuity is at the center of the restructuring hurricane that has swept through the life insurance industry in recent years. We bring you the second article in a series on the topic.
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Systemic Risk is Worse Now than in 2008

"When monetary policy is so extreme for so long, it results in more systemic risk. It's as simple as that," worries our ever-gloomy guest commentator, who pens the Bear's Lair column at prudentbear.com.
News

Life Just Got Easier for Qualified DIAs

The new Treasury regulation on "longevity insurance" does more than promote late-life annuities. By removing an RMD barrier, it makes retirement income planning easier for middle-class people whose savings are mainly in qualified plans or IRAs.

Retirement assets total $23 trillion in 1Q2014: ICI

IRAs held $6.6 trillion in assets at the end of the first quarter of 2014, up from $6.5 trillion at the end of the fourth quarter of 2013. Forty-six percent of IRA assets, or $3.0 trillion, was invested in mutual funds.