Half a percentage point. That is what one assessment suggests to expect return-wise from a balanced U.S. stock and bond portfolio over the next 10 years (before fees and taxes!). So what would the effects of an era of “persistently low returns” be on retirement strategizing? Today’s article examines the implications for 401(k)s, annuities, Social Security, medical care, alternative investments and more. CLICK HERE.
“The challenging task of getting decades’ worth of savings to last a lifetime can be made more manageable with a single product: an income annuity,” notes the author of today’s article. However, despite this, income annuities have yet to really catch on with investors. Given this, the author proceeds to outline who may benefit from an income annuity (and who likely doesn’t need one), how much of one’s savings to consider putting in an income annuity, when (and how) to consider buying income annuities, and more. CLICK HERE.
To annuitize or not to annuitize: that is the question that the author of today’s article tackles – and a question that he notes “nearly all retirees and soon-to-be-retirees face at one time or another.” Do annuities have a place in your retirement portfolio? Is there a better alternative when it comes to having a stream of income that is guaranteed to last as long as you do? And what may be the optimal amount of your retirement portfolio to allocate to annuities? CLICK HERE.
Whether one is in the pre-retirement accumulation stage or the retirement decumulation stage, retirement planning seems to be getting increasingly complicated. At a recent investment conference, research and innovations related to the challenges posed by the evolving retirement planning landscape were discussed. For some key takeaways from this discussion – pertaining to target-date funds, Social Security, safe withdrawal rates, annuities and more – CLICK HERE.
“Is there a hybrid solution that can give you some of the lifetime income of an annuity, while offering the inflation protection and principal availability of an investment portfolio?” This is the question that the author of today’s article poses before examining one possible option in that regard: managed-payout funds. After delving into the managed-payout funds (and related investment products) offered by some big players, he provides an overview of the pros and cons of these retirement income vehicles. Are they really “one-stop shopping” for retirement income? CLICK HERE.
Approximately 10,000 baby boomers are retiring every day – and many may find that saving for retirement was actually the easy part, while the real challenge will be making sure that their nest eggs last as long as they do. Today’s article highlights one financial tool that may be of assistance to retirees who want to avoid running out of money – retirement income funds (also known as managed payout funds). What are retirement income funds – and what are their advantages and drawbacks compared to annuities? CLICK HERE to find out.
To lump or not to lump? When it comes to how they want to receive their pensions or 401(k)s, many Americans are choosing lump sums over guaranteed monthly installments – and proceeding to deplete that money within 5 ½ years on average, according to one survey. Why are so many people choosing lump sums over annuities, and where is that money quickly disappearing to? And, in the lump sum vs. annuity debate, what “have it both ways” option does the author recommend may be best for many people? CLICK HERE to find out.
In the current low-rate environment, “generating steady retirement income has never been harder,” declares the author of today’s article. Moreover, the author cautions that yields could just as likely go lower from here as higher. As such, he proceeds to discuss “eight popular sources of retirement income, ranging from dividend stocks to bonds to real estate to annuities, what current rates are for market leading products and the pros and cons of each approach.” For the author’s overview of each of these sources of retirement income – including the one he argues consumers are often too quick to dismiss – CLICK HERE.
While inflation may currently be low, the author of today’s article warns that “this makes the possibility of an inflation threat going forward even more likely.” Moreover, she notes that health care costs are rising faster than inflation. All of this poses a particular threat to retirees relying on sources of income that lack inflation protection. As such, the author outlines four investment options for retirement in inflationary times – Treasury inflation-protected securities (TIPS), annuities, stocks and commercial real estate. To read about the potential benefits and drawbacks of each option, CLICK HERE.
“Retirement planning has changed a lot over the last few decades. And perhaps one of the most dramatic changes is the slow and steady death of employer-provided pensions.” Today’s article examines how “for those who don’t have the backstop of a traditional defined-benefit pension plan…annuities could be an attractive way to re-create the kind of guaranteed retirement income most Americans enjoyed in decades past.” But when it comes to immediate versus deferred, and fixed versus variable, what are their respective risks and which is best for who? And what exactly are the relatively new equity-indexed annuities? CLICK HERE to read more.