Decumulation

The use of accumulated assets to fund retirement income or other income requirements. Where a mutual fund might be used as an asset accumulation vehicle during one’s working years, annuities enable decumulation of those assets into a stream of income during retirement.

The Opportunity of a Lifetime for Life Insurers

There currently exists what would appear to be a once in a lifetime opportunity for life insurance companies who are essentially the manufacturers of asset decumulation products such as annuities.

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Variable Annuities, Financial Planning and Human Capital

Although mentioned previously , it is worth noting again that Moshe Milevsky is the most active, creative and interesting voice in the asset decumulation industry. Moshe produces copious amounts of outstanding materials that shed light on the world of annuities for both professional and consumer audiences. A recent interview in The Journal of Financial Planning is highly recommended. Moshe is working on a soon to be released book on lifecycle investing . In the Journal of Financial Planning...

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Financial Advisors Struggling with Retirement Planning Compensation Models

One of the core compensation models for financial advisors involves fees that are based on client assets under management. As a result, it is naturally in an advisor's interest to gather, maintain and grow as many assets as possible. Retirement planning is proving to be a business challenge for many advisors as retirement involves asset decumulation rather than accumulation. In other words, advisors are in a situation where they are reducing assets under management and subsequently the...

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