Scaling Retirement Solutions

At the EDHEC Risk Institute in France, financial researchers are trying to figure out how advisors can leverage technology to "mass customize" the goal-based approach to retirement income planning. It won't be a walk in the park.

Beware the ‘Specialized’ ETFs

In this month's Research Roundup, RIJ shares four recent academic papers on the proliferation of ETFs, the danger (or not) of national debt, rational inflation expectations, and the impact of recent changes in RMD rules.

Jackson National Puts Its Future in Veteran Hands

Laura Prieskorn (left) and Marcia Wadsten are the new CEO and CFO of Jackson National Life. The leading seller of variable annuities in the US is in the process of demerging from its long-time British owner, Prudential plc.

Which ‘Dependency Ratio’ Should We Use?

Economists typically use the 'aged dependency ratio' to show the burden of the Social Security program on workers. But the 'total dependency ratio' might be more informative. (Photo by Johann Walter Bantz.)
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The Old Folks are Alright (More or Less)

The Society of Actuaries has published the results of focus groups and interviews with middle-class older retirees. Despite little planning, most people seem to muddle through 'reasonably well.'

Mission Improbable

Economist Teresa Ghilarducci of The New School wants a national, mandatory retirement savings plan to complement Social Security--and to replace the ERISA-regulated 401(k) system. I agree that the 401(k) system has issues, but I think we should fix Social Security first.
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