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.

Writing the Book on Retirement Portfolios

Anyone thinking about retirement income should pick-up a copy of Retirement Portfolios by Michael Zwecher. This recommendation applies to both financial services professionals and consumers who are approaching or at retirement.

Zwecher’s book is the definitive guide to constructing and maintaining portfolios that generate sustainable retirement income.

We recently had the opportunity to speak to Michael Zwecher about the book and the business of building retirement portfolios.

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income

Retirement Income

Retirement Income Industry Association

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DFA Retirement Income Efforts

Dimensional Fund Advisors (DFA) appears to be ramping-up its retirement income efforts. Advisor One reported on the recent DFA-sponsored retirement planning conference in Chicago. DFA's retirement income efforts appear to be largely focused on the defined contribution or 401k market. DFA's retirement income offering is named "Managed DC." The product appears to be offered exclusively in the retirement plan market. DFA has a huge presence in the asset accumulation space with $232 billion in...

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Dimensional Fund Advisors

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GAO Retirement Income Study Bullish on Annuities

At the request of Wisconsin Senator Herb Kohl, the Government Accountability Office (GAO) just released a study that provides an assessment of the current state of the retirement income market in the United States.

For those interested in retirement income, the study is full of interesting data and conclusions. Some of the highlights include:

Most retirees rely primarily on

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Disconnect Between Retirement Savings and Income Highlighted by JP Morgan Report

The majority of Americans are keenly interested in retirement income, but they are unable to make the connection between how their retirement savings translates to income. A recent survey and related report from JP Morgan indicates that 86 percent of 401k plan participants acknowledge that they need to know how much of their pre-retirement income they will be able to replace. At the same time, however, two thirds of the survey respondents indicate that they have no idea how much they need to be...

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Structured Product Risks are a Hot Topic

Structured products are hot. U.S. sales rose 46 percent in 2010 to $49.5 billion. The appeal is understandable in the wake of the financial crisis. As folks in the indexed annuity business know, a floor of principal protection or "guaranteed" income combined with some upside potential is an easier sell in the current environment. Structured products also happen to be a hot topic with regulators. For example, FINRA just issued a warning to investors about structured products with principal...

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