Retirement

Research Questions Role of Asset Allocation in Retirement

Research from the Center for Retirement Research at Boston College suggests that asset allocation is a relatively ineffective factor in creating a secure foundation of retirement income . The research examines and compares the effectiveness of a handful of levers that have the potential to contribute to a solid foundation of retirement income. Among the levers or contributing factors considered are: Asset Allocation Working Longer A Reverse Mortgage Spending Less The various retirement income...

Slow and Steady at SunAmerica Proving Variable Annuity Business Not as Bad as it Seems

Despite a barrage of negative press, it appears that SunAmerica ’s measured approach to the variable annuity business is demonstrating that the successful production of variable annuities is similar to most other lines of insurance . The Hartford ’s recent decision to exit the variable annuity business entirely is attributable in part to their management’s (under significant shareholder pressure) view that the VA business is capital intensive and has relatively unattractive...
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Maddy Dychtwald on How Women are Driving a Transformation of the Market for Financial Advice and Products

Maddy Dychtwald is a nationally recognized author, co-founder of Age Wave, and a leading expert on the changing demographic trends shaping the marketplace, the workplace and our lives.

Having spent twenty-five years exploring and forecasting lifestyle, marketing and retirement implications of the age wave, she has recently emerged as a renowned authority on the economic ascent of women, including its impact on the financial services industry.

Age Wave’s breakthrough research on women and money includes the recent research study A New Era of Women and...

Mark Warshawsky on the Retirement Income Market

Mark J. Warshawsky is Director of Retirement Research at Towers Watson.

Dr. Warshawsky served as assistant secretary for economic policy at the U.S. Treasury Department from 2004-2006 and he has held senior level economic research positions at the Federal Reserve Board, the Internal Revenue Service and...

Why Fixed Annuities Could Prove Toxic in an Era of Financial Repression

In a recent and highly recommended Bloomberg op-ed, Carmen Reinhart discusses the options available to governments and central banks when attempting to deal with the burden of enormous amounts of public and private debt.

Reinhart suggests that the preferred policy option for many governments--including the United States--is a form of stealth taxation that amounts to...

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