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Should advisors focus on goals-based investing or beating the market?
Goals-based investing is "what happens when you take an investment process and build it for mom, but not necessarily for mom’s pension plan," CIO says.
After Dave Ramsey unleashes on 4% rule, advisors unleash on him
Prospects who are fans of the radio host can be turned off by criticisms of his guidance, so it can pay to be diplomatic in critiquing his 8% rule.
The 4% rule is back, but it’s not really a rule
A 4% withdrawal rate in retirement can be a place to start, research from Morningstar suggests, but one planner calls it 'simple and dangerous.'
Planning for the 40% of retirements that occur without warning
Considering a range of scenarios and having different buckets of assets is helpful, advisors say.
State Street rolls out second 401(k) target-date series featuring an annuity
The plan feature is provided by Global Trust Co. and Annexus Retirement Solutions.
Retirement experts advise staying nimble regarding 4% rule
While the popular guideline is a good starting point, inflation and rising interest rates are factors that change the game when it comes to retirement withdrawals.
Broadridge launches effort to create retirement income solutions in plans
Retirement Income Consortium members include major investment, plan managers.
New retirement guide focuses on longevity, inflation
J.P. Morgan Asset Management says that advisers should plan for 35 years in retirement for clients, rather than the previous 30 years, as average life expectancy continues to increase.
Where financial wellness falls short
Less than a third of employers offer such services in some form, most often as it relates to retirement saving. And when the services are available, plan participants tend not to use them.
Widow’s dilemma: When to claim Social Security
Survivors are subject to an earnings limit if they claim the benefit before reaching full retirement age.
Lincoln will provide guaranteed income in new PEP
The product, called OpenPEP, has customized investment options that can be used as the default.
Almost half of retirees won’t have enough income by 2090
A report from the Urban Institute found Social Security cuts, tax increases, longer working years and higher savings levels are needed to keep retirees from funding crises in the coming years.
TIAA participants waiting longer to retire
Required minimum distributions are becoming the de facto default distribution choice for retirees, TIAA data show.
Social Security trust fund to be depleted 1 year sooner than expected
The 2021 Trustees Report shows the trust funds will run dry in 2034 as a result of the economic fallout from the pandemic.
Serial spouse has several Social Security claiming options
The woman, who's twice divorced and widowed, can select the biggest of the benefits available.
‘Guaranteed income’ preferred over ‘annuities’
The insurance industry recognizes that the word 'annuity' is not always received well. But that's only part of what hampers the products, according to two recent reports.
The parallel paths of ETFs and annuities
The questions that RIAs have about commission-free annuities right now are the very same questions they had just 15 years ago about exchange-traded funds, which are now a core part of client portfolios.
Market risk, longevity still worry plan participants
About 40% of retirement plan participants say they're unsure how to make their money last, an American Century study finds.
Annuity sales surge 39% in second quarter
Variable annuity sales jump 55% to $32.8 billion in Q2, marking the highest quarterly sales in that category in nearly six years, according to the Secure Retirement Institute.
Rush to munis could boost Medicare premiums
The income calculation for Medicare and Social Security includes tax-exempt interest on municipal bonds.
