Income
Income can refer to cash flow derived from a variety of sources, including personal earnings, investment earnings, businesses or even real estate. These forms of income are generally referred to as earned income. There are also sources of unearned income, particularly when discussing investments. Dividends, capital gains and interest are common examples of unearned income.
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...
Short-Term Focus has Adverse Impact on Retirement Income Product Development
Warren Buffett’s most recent shareholder letter focuses on the merits of productive assets such as equities in light of the current low interest rate environment and the potential for future inflation.
Buffett’s view is that although productive assets are variable and volatile, they are more likely to preserve future purchasing power than the fixed or currency-based alternatives.
Buffett’s advice would seem to provide a key...
British Insurers Advocate Comparison Shopping for Annuities
A Benchmark for Lifetime Income
The world is filled with investing indexes and benchmarks, and all professional investment managers measure their results relative to some type of performance standard such as the S&P 500.
On the retirement income front, though, similar gauges of performance are virtually non-existent. The lack of a baseline performance measure is a problem for the industry because there is no...
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