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- Can You Afford to Retire ... Ever?
- The "new normal" retirement will start at 67, not 62. You'll pay for it with investments that don't even exist today. And you'd better start saving now. You know what happened...
- Articles 2009-06-22
- After the Great Recession
- The recession will end eventually. And the economy, the workplace, and the markets will return to something we'll learn to call normal. But it won't be like any normal you've seen before.So, where do we go from here? The world's most powerful economy has...
- Articles 2009-06-22
Additional Resources
- Redistribution and Insurance: Mandatory Annuitization With Mortality Heterogeneity
- This paper examines the distributional implications of mandatory longevity insurance when there is mortality heterogeneity in the population. It embeds that analysis into a life cycle framework that allows for an examination of distributional effects on a utility-adjusted basis. It finds that the degree of redistribution that occurs from the...
- White papers 2002-10-01
- Annuities and Individual Welfare
- This paper advances the theory of annuity demand. First, the paper derives sufficient conditions under which complete annuitization is optimal. Second, the paper shows that full annuitization may not be optimal when markets are incomplete. Some annuitization is optimal as long as conventional asset markets are complete. Third, the paper...
- White papers 2003-05-01
- MetLife Q3 2009 Earnings Call Transcript
- Question-and-Answer Session Operator Operator Instructions Our first question comes from Tom Gallagher with CSFB. Tom Gallagher - CSFB First, just Bill, a follow-up on the interest rate related charge in the annuities. Would you describe this as something that is more accounting noise related to specifically the way...
- Earnings calls 2009-10-30
- Simulation Analysis of the Decision to Annuitize Pension Balances
- Prior studies of life annuities that use classical dynamic programming methods to solve for annuity decisions find large gains from annuitization. The fact that few people actually buy annuities leads to an "annuity puzzle." An alternative method of analysis, which uses concepts from approximate dynamic programming and samples of life...
- White papers 2003-09-01
- Fortis Systematic Withdrawal Plan Guarantees Income.
- Question: Do living benefit provisions in variable annuities refer only to annuitization options? Question: Do living benefit provisions in variable annuities refer only to annuitization options?
- Research articles 1999-10-04
- All About Annuities
- Off all the products offered to investors, few are more controversial than variable annuities. The conventional wisdom is that variable annuities are sold, not bought. In other words, if there were no annuity salespeople, investors would not buy them. The article discusses what annuities are, how they work, and why...
- White papers 2003-01-01
- Life Annuity Insurance Versus Self-Annuitization: An Analysis From the Perspective of the Family
- The article proposes a "family strategy" in which heirs receive the remaining investment fund on the retiree's death, but are obliged to finance the retiree if the fund becomes exhausted. It estimates the chance and risk profile of this "family strategy" from the heirs' perspective using German capital and annuity...
- White papers 2004-10-15
- Annuity Markets in Comparative Perspective Do Consumers Get Their Money's Worth?
- This paper summarizes preliminary results of a continuing research project that attempts to analyze annuity markets in some countries around the world. Preliminary findings suggest that the cost of annuities is lower than might be expected. The main policy issues include public versus private provision, the role of insurance companies...
- White papers 2000-11-16
- Correction.(Correction Notice)
- The following quotation in "Retirement Planning and Your Clients" (BIC, August 2003, page 24) was attributed incorrectly to Jerry West, vice president, ABN-AMRO. The speaker was Matt Sharpe, leader of GE Financial's Retirement Income Channel: "Many consumers don't know what annuitization is. There's a lot of...
- Research articles 2003-09-01
- ACLI Vows To Push Annuitization Proposal.
- The American Council of Life Insurance will move from defense to offense on critical issues of taxation next year, aggressively promoting a new proposal that will encourage the use of annuities for retirement savings, said ACLI President Carroll Campbell. Moreover, he said at ACLI's...
- Research articles 1999-11-22
- 12030410 Annuity insurance.(5: Citations)(Brief article)(Recommended readings)
- M. Milevsky, 2001, "Optimal Annuitization Policies: Analysis of the Options", North American Actuarial Journal, 5:57-69 Terence Lim (1), Andrew W. Lo (2), Robert C. Merton (3) and Myron S. Scholes (4) (1) Goldman Sachs Asset Management, 32 Old Slip, New York, NY...
- Research articles 2005-09-01
- The simple analytics of a pooled annuity fund
- ABSTRACT This article provides a formal analysis of payout adjustments from a longevity risk-pooling fund, an arrangement we refer to as group self-annuitization GSA. The distinguishing risk diffusion characteristic of GSAs in the family of longevity insurance instruments is that the annuitants bear their systematic risk, but the pool...
- Research articles 2005-09-01
- Guardian Introduces New Income Strategies for Retirees; Variable Annuity Offers Enhanced Payment Options
- Business Editors NEW YORK--BUSINESS WIRE--July 22, 2002 The Guardian Insurance & Annuity Company, Inc. GIAC today launched The Guardian Investor Income AccessSMGIIA, a new variable annuity. This investment offers a relatively short surrender charge period as well as declining contract charges that may benefit long-term investors. In...
- Research articles 2002-07-22
- American Equity Investment Life Holding Q3 2008 Earnings Call Transcript
- Question-and-Answer SessionOperator Operator Instructions Your first question comes from Randy Binner - FBR Capital Markets. Randy Binner – FBR Capital Markets A few questions on competition. Maybe starting with Kevin, variable annuities have obviously been on the minds of a lot of investors recently and particularly the guarantees...
- Earnings calls 2008-11-25
- Ibbotson packages investor education show.
- Ibbotson Associates in Chicago is offering Variable Annuity Investing, a presentation of PowerPoint images designed to help financial planners explain investment strategies and present the risks and rewards associated with various available investment options. The presentation includes 15 PowerPoint images that...
- Research articles 2001-04-30
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