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.
Here are some heuristics, provided by experts at Milliman, Annexus and elsewhere, for selecting and blending the increasingly complex indices found inside today's top-selling index-linked annuities.
'By introducing the Alt 401(k), we are democratizing access to what drives wealth for the wealthy - alternative investment options, combined with our original core offering of low-cost index funds, and personalized help,' said Jeff Schulte, ForUsAll’s CEO, in a release.
'Diversification before insurance tends to perform better than insurance before diversification in the long run... but there are exceptions to this finding,' according to four analysts at Rand Merchant Bank and EDHEC-Risk Institute. This article is excerpted from a larger article in the Spring 2021 issue of EDHEC Research Insights.
Nationwide annuities join SIMON’s shelf ; 2021 starts better for life/annuity industry than 2020 did: AM Best; “Extended care” requires as much planning as “long-term care”: Thrivent; Modern Woodmen in reinsurance deal with RGA.