Retirement Sustainability Report
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Asset Allocation
Simply put, asset allocation involves spreading your money across different types of investments or “asset classes “. It’s how you divvy up your portfolio--whether you choose, cash, bonds or stocks or some other combination of asset categories. The idea is to figure out what is the right or “optimal” mix of asset classes to meet your investing objectives and risk tolerance. A key objective is to find investments that are not correlated. In other words, risk is theoretically reduced by having investments that don’t all move down at the same time to reduce risk. To keep your portfolio in ship-shape, you need to periodically revisit your asset allocation and rebalance your portfolio. In other words, buy and sell for the portfolio from time-to-time because various assets grow at different rates.
Cheaper Annuities
Submitted by tom on
Another very interesting article from Leslie Scism of the Wall Street Journal (article can be viewed by clicking here).
A continuation of the discussion thread on low fee annuities that can be viewed by clicking here.
The Journal article discusses variable annuities and the impact that relatively inexpensive ETFs are having on product development.
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Putnam CEO Sees Market for Annuities and Other Retirement Income Products Reaching $5.5 Trillion by 2020
Putnam Investments President and CEO Robert Reynolds has been a consistently vocal advocate of retirement reform. Reynolds believes that the retirement planning landscape requires revamping so that annuities and other sources of guaranteed retirement income play a more prominent role. During a recent industry conference, Reynolds discussed the notion of a "product allocation" in the context of retirement finances: A crucial part of the reform effort is helping to protect workers` savings as...
How to Determine a Sustainable Level of Retirement Spending
What is the probability that a given level of spending is realistic or “sustainable” throughout one’s retirement?
Stated differently, what is the likelihood that a given level of retirement spending is fraught with...
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What to Think When a Financial Advisor Says: "You Know I'm Not a Big Fan of Annuities"
Disdain for annuities is a thread of conventional wisdom that seems to exist among a broad swath of financial advisors.
In fact, many financial advisors seem conditioned to wear...
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