An Entrepreneur Tackles Decumulation, with TIPS

Manish Malhotra’s FIAP platform, set to launch next year, will enable advisors to build retirement income streams out of laddered TIPS, immediate annuities, and withdrawals from balanced portfolios.

How to Choose an Annuity Issuer

Shopping for an annuity, like shopping for a car, involves questions about the manufacturer of the product. Do their products perform as expected? Will service quality be high? Are they likely to stay in business? We show you where to look for answers.

Time to Put Benjamins Back in the Sock Drawer?

At the LIMRA annual conference in Boston earlier this week, MIT economist James Poterba described how low interest rates make saving for retirement more of a challenge.

Pitching Income Annuities on Greed

Speakers Wade Pfau and Curtis Cloke showed planners at the Financial Planning Association's 2019 conference in Minneapolis that income annuities can provide growth as well as protection.
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Decumulation Beat

Only advisors who are self-employed have the autonomy to use the fiduciary standard when working with clients.

Four Firms Capture Half of VA Sales

At the same time, a dozen large insurance companies saw their VA sales drop by double-digit percentages from the second to the third quarter of 2010, according to Morningstar data.
News

Low Rates Squeeze Fixed Annuity Issuers

“The current interest rate environment poses a challenge for issuers of these annuities because it pressures profitability," said Beacon Research president and CEO Jeremy Alexander.

Health Benefit Costs Grow 3X Faster than CPI

The prevalence of retiree medical plans slid to its lowest point ever in 2010, with just 25% of large employers offering an ongoing plan to retirees under age 65.

Letter to the Editor

There are two problems with Curtis Cloke's analysis of the relative merits of fees versus commissions for income annuities ("Fees vs. Commissions in SPIA Sales," RIJ, 11/17/10), writes Glenn Daily.

The Bucket

Late-breaking items from Prudential, Genworth and New York Life...