Capital

Accumulated assets.

Pros and Cons of Surrendering an Annuity

The Indy Star has published a good article on the pros and cons of surrendering an annuity . Some high level considerations include: Fees and expenses Taxes due on capital gains Loss of death benefit Loss of tax deferred gains Source: Indy Star Full Story

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Variable Annuity Hedging Programs Holding Up Well

The hedging programs used by insurance companies to support the guaranteed living benefit features in their variable annuity products have held-up well recently. Milliman reports that insurance companies supported 94% of their guarantees for the six month period ending in March 2009. The success of the hedging programs and the highly volatile capital market environment have encouraged many insurers to increase their hedging efforts. As reported in an earlier post , the increase in hedging...

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Annuity

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Guaranteed Living Benefit

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Human Capital is the Best Inflation Hedge

Warren Buffett commented on the likelihood of future inflation during the most recent...

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Part Two of the Interview with Wharton Professor David Babbel

This is the second part of an interview with Professor David Babbel.

Part one can be found here.

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Sequence of Returns Effect

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The Absolute Return Unicorn - Investment Products Offering Both Gains and Protections Prove Elusive

The asset management industry has struggled to provide older investors and retirees with investment products that provide returns with little or no risk of losing principal.

In other words, the industry has not had any success in developing investment products that provide return without any risk.

A recent Wall Street Journal...

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