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Nov 19, 2018
Advisors will often say their clients are "self-insured." But because insurance is, by definition, the pooling of risk, no one can actually self-insure. Having insurance means not having to shoulder the burden alone if things go south. It's hedging your bet so that, if the wheels fall off, someone...
White Paper
Jan 02, 2018
Given the current low-yield environment, bond returns for the next several years will likely be based entirely on yield. Although the lower risk may be appropriate as we age, the returns may disappoint or be insufficient to maintain necessary income...
White Paper
Sep 22, 2017
An investor who either buys an income annuity at retirement, or who has a higher level of guaranteed income through a pension or Social Security, should hold a different asset allocation than an investor who holds little guaranteed income. We use...
White Paper
Oct 28, 2016
The retirement income showdown regards finding the most efficient approach for meeting retirement spending goals: obtaining mortality credits through risk pooling with an income annuity, or investing for upside growth through the stock risk premium...