SOA Paper Examines Retirement Income Reality Gap
A recent paper sponsored by the...
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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.
Calculating the Extra Yield Provided by a Life Annuity
A common question is how annuities compare to other financial products that seem similar such as bonds, certificates of deposit (CD) and money market funds. After all, each of these products promises to provide some type of fixed return in exchange for your investment.
Looking at a simple life annuity can help answer this...
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Why Low Interest Rates Have a Silver Lining
As discussed in a recent post, ultra low interest rates are an...
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There is no Free Lunch for Retirees when it Comes to Investment Risk
Retirees have every reason to be an extremely risk averse bunch. After all, most of them have an immediate or near-term need to draw income from their assets. This need for income should result in zero tolerance for investment risk or reduction in value of the assets that are intended to produce the retirement income.
It is tempting to think otherwise. Don’t like the paltry yield that is produced by your accumulated wealth in this current environment of near zero...
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Why Your Retirement Just Became More Expensive
The extreme gyrations in the stock market over the past week create great headlines and quite a bit of trading activity. Equally if not more important for retirees, however, is the related action in bond markets.
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