The Annuity That Pays for Itself

The deferred income annuity, aka longevity insurance, is favored by academics and is mandatory in Germany and Singapore. Here's a compelling new way to explain its value to clients, courtesy of widely-known pension economists.

Research Roundup

Almost every controversial subject in the US today--from Fed policy to machine learning to immigration--contains an element or theme related to retirement policy. The articles reviewed in this month's Research Roundup are proof of that.

‘iTDFs’ Smooth the Bumps of Retirement Income

A former chief actuary of Denmark seeks a US target date fund company that might use his technology, the 'iTDF,' to create a seamless transition from pre-retirement savings to safe income during the first 20 years of retirement.

A Revolt Against PE-Led Annuity Issuers

Matt Zagula is an annuity wholesaler and fixed indexed annuity (FIA) designer. He and forensic accountant Tom Gober created the TSR ratio, a scale for rating FIA issuers. Mutual and fraternal insurers score best; private equity-led life insurers score worst.

A Tale of Two Tax Plans

As explained by our guest columnist, a senior fellow at the Urban-Brookings Tax Policy Center at the Urban Institute, Trump's tax policy would echo supply-side solutions of the past while Clinton's tax philosophy echoes Obama's.

Retiring (Temporarily) to Paradise

An old friend who retired early to a hacienda by the sea in Nicaragua sent me an e-mail recently, responding to my question about his life there. His answer wasn't exactly what I expected, but it made perfect sense.