A Changing Variable Annuity Landscape -- What to Watch for in the Next Few Years
This is the second part of an interview with...
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Income
Income can refer to cash flow derived from a variety of sources, including personal earnings, investment earnings, businesses or even real estate. These forms of income are generally referred to as earned income. There are also sources of unearned income, particularly when discussing investments. Dividends, capital gains and interest are common examples of unearned income.
A Changing Variable Annuity Landscape -- The Consumer Perspective
This is the first part of an interview with Ryan Hinchey.
Ryan is a consulting...
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Dramatic Changes in Retirement Landscape
The picture for near and current retirees has changed 180 degrees in the past couple of years. Questions such as where to retire and what do do during retirement are replaced with whether to retire and how to make sure one does not run out of money during retirement. Working longer, waiting to draw on Social Security , and understanding longevity risk are front and center for the vast majority of retirees. Decumulation or drawing sustainable income from accumulated financial assets is one of...
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Employers Cautious About Annuities in 401k Plans
Employers who offer 401k plans seem intrigued by the notion of providing an annuity option to employees who participate in the plans. Recent stock market volatility makes the prospect of stable, guaranteed income very attractive in theory: Given the stock market’s volatility, Silgan is one of a number of 401(k) plan sponsors seriously discussing adding an annuity option to their 401(k) plans. With most employees’ 401(k) accounts decimated, the idea of providing guaranteed post-...
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HSBC Retirement Report Discusses "Perfect Storm"
HSBC released its fifth annual "Future of Retirement" study. The study is the largest of its kind, covering over 15,000 people in 15 countries. The report suggests a perfect storm of demographic, individual and financial factors that have the potential to derail the retirement plans of millions of people around the world: Stephen Green, Group chairman of HSBC, said: "A perfect storm is confronting pensions planning, created by an ageing population, falling pension funds values, a drop in state...
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