Three Steps to Annuity-Free Income

For retirees who say, 'Don't sell me a product!', Thornburg Investment Management recommends a retirement income strategy built on 'endowment' spending, three buckets and its own dividend fund.

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.
Featured

MetLife, Sun Life feel the pressure from low interest rates

MetLife's reduction of the deferral bonus on its hot-selling GMIB Max VA rider by a half-percent and news that Sun Life's strength rating is under review are symptoms of the impact of ultra-low interest rates on VA issuers.
News

Gov. Perry’s tax plan, analyzed

The Tax Policy Center estimates that the Perry plan would lower federal tax liability by $995 billion in calendar year 2015 compared with current law, roughly a 27 percent cut in total projected revenue.

Mercer adopts Financial Engines’ Income+ program

In contrast to Prudential’s IncomeFlex or Hartford’s Lifetime Income, which involve purchases of insurance products prior to leaving the plan, Income+ offers an optional “out of plan” purchase of a life annuity after rollover.