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Inflation Risk
The risk of a decrease in future purchasing power due to rising prices. Inflation risk can impact fixed annuities that do not contain inflation protection because it erodes the future power of a stream of fixed payments. For example, a relatively modest 3% rate of inflation will reduce the purchasing power of a $3,000 monthly payment to $1,660 within 20 years.
Laddering Annuity Purchases
Laddering is a term that refers to staggered purchases over time.
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Finding a Hedge for a Phantom
Is a nasty inflation brewing or is the U.S. facing a prolonged deflationary period similar to what Japan has experienced for the past twenty years? Billions of dollars and major public policy decisions are currently positioned for both scenarios. The need for further deficit spending and low interest rates is advocated by Paul Krugman's "Phantom Menace" comments and a recent piece by Teresa Ghilarducci . The inflation is imminent camp is represented by gold bug and hedge funds that are building...
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The Top Reasons to Consider an Annuity
Annuities are complex, largely misunderstood, and often misrepresented in popular financial media.
The reality, though, is that these financial products are becoming an increasingly important part of the financial plans of millions of people around the world. In fact, annuities are a vital component of the...
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TIAA-CREF CEO on Annuities as the Backbone of a 21st Century Retirement System
In a recent interview, TIAA-CREF CEO Roger Ferguson discusses post financial crisis retirement planning and CREF's role in the new retirement planning landscape. Ferguson believes that increasing longevity in the U.S. is a key driver of what will be a very different 21st century retirement system. Ferguson also suggests that stable sources of lifetime guaranteed income --in other words an annuity --should provide the "backbone" of the future system: It's really important to use this to educate...
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