Capital Market

Organized markets such as the NASDAQ that provide a mechanism for the purchase and sale of longer term (usually exceeding 1 year) equity and debt securities.

Why Indexed Financial Products are Appealing

I am currently researching and am likely to purchase an indexed universal life insurance product. This first-hand research and learning process...

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Record High Deficits for Defined Benefit Pension Plans

Defined benefit pension plans are the traditional and increasingly rare type of pension plans offered through employers. In contrast to defined contribution pension plans such as the 401(k), participants in defined benefit (“DB”) plans receive contractually guaranteed income and assume none of the risks (investment risk, interest rate risk , longevity risk , etc) associated with producing that lifetime income stream. The problem is that defined benefit plans are scarce, and many of...

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For Retail Investors Who Want to Sleep at Night

It is the afternoon (markets are closed) of August 9 2011, and millions of retail investors around the world must be asking themselves whether they can continue to stomach the gut-wrenching capital market...

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Writing the Book on Retirement Portfolios

Anyone thinking about retirement income should pick-up a copy of Retirement Portfolios by Michael Zwecher. This recommendation applies to both financial...

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Retirement Income

Retirement Income Industry Association

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Longevity Market Development Still in Infancy

A recent article in Bloomberg discusses the state of capital market solutions for the transfer of longevity risk . The reality is that the longevity market is still in its infancy and there are a number of obstacles that are affecting its development. One of the main hurdles involves the fact that longevity risk is very long-term in nature. Securities that mature over the course of 20 years are not hugely appealing to hedge fund managers who are providing quarterly performance reports to their...

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