Asset

An asset any item of tangible or intangible value that entails a future benefit. For example, funds in a 401(K) are assets that can be converted into retirement funds or income at a future date.

More from Professor Babbel's Study - The Long-Run View of Equity Indexed Annuity Performance

The first part of Professor Babbel's presentation looked at the comparative performance of fixed indexed annuities and alternative investments over a 15 year period.

This next set of slides looks at performance over a much longer time period--dating back to January 1926.

The implied account values of the 9 year and 14 year fixed indexed annuities are again compared to the alternative investments:

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Listen to Zvi Bodie When it Comes to Retirement Planning

Zvi Bodie is absolutely one of the most honest and refreshing voices in finance and economics. Professor Bodie also happens to be an advocate of life-cycle investing.

A recent interview with Bodie is highly recommended and available in U.S. News & World Report.

Highlights from the interview include:

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Retirement Income Product Innovation a Possibility in Wake of Financial Crisis

The financial crisis may have one unintended consequence that would prove beneficial for millions of retirees. There is a renewed focus among providers of retirement income products in the wake of the financial crisis. The crisis has provided an opportunity for the remaining life and annuity insurers and asset managers to rethink their product offerings. The result could be a wave of innovation that is focused on retirement income and asset decumulation rather than asset accumulation and...

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Chief Investment Strategist from TIAA-CREF -- Think of Income When Considering Annuities

Annuities are all about producing income that will last according to P. Brett Hammond. Hammond is the chief investment strategist for TIAA-CREF asset management. In Hammond's view wealth creation and asset accumulation are fine, but producing income should be front and center when thinking about retirement: There's nothing wrong with wealth creation. In fact, it's fabulous. But the problem is if you're only thinking about wealth creation for retirement income, you may forget about all the other...

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The Death of Asset Allocation?

Risk mitigation through diversification across time and space are fundamental tenets of conventional financial theory. In other words, the idea is that stocks are safe in the long-run and risk or volatility can be reduced by owning assets in uncorrelated markets. The problem is that stocks are not necessarily “safe” over any time horizon and correlations between asset classes tend to increase dramatically during times of market distress such as the past year and a half. Target date...

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