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...
An annuity provides a steady stream of income until death, removing the possibility of outliving one's money. Part of reaching that goal is laddering, which is more effective than buying the annuity all at once. Article suggests taking a life annuity ladder and adding an investment portfolio that results a...
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...
The pros and cons of annuities are often two sides of the same coin. As financial planners, the job is to discern if an annuity is the right product to meet the personal and family needs of a client. Often, it is helpful to ask a client a few discovery...
Eliminating the Potential Risks of Annuitization NEW YORK -- As Baby Boomers approach retirement, a growing number of individuals will confront the challenge of converting their savings into income that may need to last for as long as 30 years. A new article by TIAA-CREF explores approaches to...
Customized enrollment guide outlines individual retirement realities NEWARK, N.J. -- Prudential Financial, Inc. (NYSE: PRU) has debuted its Retirement Workbook, a newly designed personalized enrollment guide that delivers simplified, reader-friendly content for participants in defined contribution plans who are transitioning to Prudential Retirement or for...
Q: Which would be safest and offer the best long-term results for my 401k -- a stable value fund or an inflation-protected bond fund? -- O.C., by e-mail A: Go for the inflation-protected bond fund. Long term, it will provide you with a small premium (probably...
Cost Estimator Empowers Members to Save Money and Estimate Out-of-Pocket Expenses NEW YORK, July 1 /PRNewswire/ -- Guardian dental plan members can now, with just a few clicks of a mouse, receive cost estimates on dental procedures -- before treatment -- and compare the...
OLDWICK, N.J. -- With the financial services industry facing difficult economic conditions, it's interesting to find out which companies have achieved "A" or higher A.M. Best Financial Strength Ratings for decades--some for a century. A.M. Best Co. has been issuing financial strength ratings--opinions on the ability of...
Woodbury accounting firm launches nonprofit The Woodbury-based accounting firm Mayer & Co. is joining the roster of Long Island nonprofit organizations. The firm has launched Alliance of Family Businesses, an organization that helps family-owned business by teaching them strategies to...
Retirement Literacy Series to Focus on Strategies for Making Savings Last a Lifetime NEW YORK -- TIAA-CREF has published the first in a new series of articles that explores strategies for maximizing retirement income. The first article in the series, "Myth vs. Fact:...
DUBLIN, Ireland -- Research and Markets (http://www.researchandmarkets.com/research/68fc8e/highpowered_inves) has announced the addition of the "High-Powered Investing All-In-One For Dummies" report to their offering. High-Powered Investing All-in-One For Dummies offers readers a wealth of information on investment techniques and options ranging from stocks and bonds to hedge...
Q: My wife and I are nearing retirement, maximum two years away. In his recent letter to stockholders, Warren Buffett said that investment returns from 1901 to 1999 averaged 5.3 percent plus 2 percent additional for dividends. He described this time period as a very good century. He...
NEW YORK -- TIAA-CREF, the national financial services organization and leading provider of retirement services in the academic, medical and cultural fields, announced today the availability of its new service to help sponsors of 403b retirement plans prepare a written plan document required by new federal regulations...
Please send letters to: Financial Management, Caspian Publishing, 198 King's Road, London SW3 5XR E-mail: ncl@caspianpublishing.co.uk Lead indicators It makes moral and business sense for CIMA to help lead the drive to improve education in developing nations (In business, April). Many people who obtain the CIMA qualification...
I am well into my retirement years now, having qualified in 1963, but still find FM an interesting read. I am registered as a member in practice and have been involved in pension issues for some years, serving as secretary of the Royal Ordnance Pensioners' Association and...
Phony Emails The use of emails for fraudulent means has increased tremendously. After all, it's easier to steal personal information while sitting home at your computer than sifting through garbage for credit card slips, stealing credit card applications from your mail, etc. So these crooks don't just use...
If you've been reading articles such as Lint: Grey Gold in the Laundry Room or Darning for Dummies, it's probably because you're feeling squeezed by inflation. Today's rising prices are particularly pernicious because incomes aren't rising with them. You can remove a bit of the sting from inflation...
CHIROPRACTIC ETHICS "Lies, damned lies and statistics" often is attributed to former British Prime Minister Benjamin Disraeli. (Ironically, it appears that such attribution might be a lie itself.1) The pursuit of numbers in private practice, while not a lie per se, nevertheless has moral implications. Many...
Senior executives at General Motors could retire with full benefits earlier, thanks to changes in the retirement plan. But they'll get less in the long run, with payments over a shorter period. Execs now will be fully vested at age 60...
Articles 2008-05-05
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