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.

Goldman Sachs Focusing on Retirement Market with Acquisition

Goldman Sachs recently agreed to purchase Dwight Asset Management from Old Mutual . Dwight is a fixed income manager that specializes in stable value funds. The firm currently has $42 billion in assets under management. Stable value funds provide 401k plan participants with a very low risk fixed income option. The Dwight acquisition will allow Goldman to enhance its offerings in the defined contribution or 401k market. Stable value options are one of the largest asset classes in the 401k space...

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Treasury Department Focuses on Longevity Risk with Retirement Income Guidance

The Treasury Department just released a proposed set of regulations that could have a meaningful impact on the retirement income market in the U.S.

The Treasury’s guidance package builds on feedback received in response to the request for comments issued by the Labor and Treasury Departments last fall.

The proposed regulations appear to be squarely focused on...

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Individual Retirement Account

401k

Income

Pension Plan

Advanced Life Deferred Annuity

Required Minimum Distribution

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Why Retirees Should Listen Closely to Bill Gross

As the manager of the largest bond fund in the world and a founder of PIMCO, Bill Gross is a leading authority on all things related to yield.

Since retirement finances are fundamentally about generating income from accumulated assets, retirees should care greatly about any comments and insights from Gross. This is especially true since the world is...

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A Clear Line in the Canadian Annuity Market

Canadian Finance Minister Jim Flaherty intends to propose legislation that bans banks from selling products that are similar to annuities. Canadian law already prevents banks from selling annuity products. Canadian finance officials are apparently concerned that the lines between annuity and banking products are increasingly blurred. Bank products that are represented as lifetime cash flow vehicles presumably fall under this area of concern. This hybrid or blurred product category more than...

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Compensation as a Share of National Income Falls to Historic Low

Recent data indicate that wages and salaries as a share of national income have fallen to the lowest level since 1948—a time when the government began to collect the data. During the third quarter of 2011, wage and salary compensation represented 49.4 percent of national income. Meanwhile, Bloomberg reports that the profit margins of U.S. companies are at the highest level in 40 years. The profit margins of non-financial companies in the United States reached 15 percent during the third...

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Asset

Capital

Income