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| Author | : OECD |
| Publisher | : OECD Publishing |
| Total Pages | : 110 |
| Release | : 2016-12-05 |
| Genre | : |
| ISBN | : 9264265317 |
This publication helps policy makers to better understand annuity products and the guarantees they provide in order to optimise the role that these products can play in financing retirement.
| Author | : Michael F. Lane |
| Publisher | : McGraw-Hill Companies |
| Total Pages | : 0 |
| Release | : 1998-08 |
| Genre | : Finance, Personal |
| ISBN | : 9780070382978 |
Lane shows specific ways to use variable annuities to achieve lifelong financial security and gives tips on how to pick the best product for any given situation. 30 charts & graphs.
| Author | : Patrick J. Collins |
| Publisher | : CFA Institute Research Foundation |
| Total Pages | : 27 |
| Release | : 2016-03-16 |
| Genre | : Business & Economics |
| ISBN | : 1944960023 |
Annuitization is one asset management strategy for retirees seeking to secure lifetime income. The US annuity marketplace offers a variety of annuity contracts, including single premium annuities, advanced life deferred annuities, variable annuities with lifetime income guarantee riders, and ruin contingent deferred annuities. Advisers seeking to provide guidance to clients in or near retirement can benefit by understanding (1) the arguments both for and against annuitization and (2) how a client’s interests might be best represented in the marketplace. Important annuity contract provisions are highlighted and briefly discussed so the adviser can become more familiar with retirement-planning options.
| Author | : United States. Internal Revenue Service |
| Publisher | : |
| Total Pages | : 32 |
| Release | : 1990 |
| Genre | : Annuities |
| ISBN | : |
| Author | : Kerry Pechter |
| Publisher | : John Wiley & Sons |
| Total Pages | : 373 |
| Release | : 2011-02-09 |
| Genre | : Business & Economics |
| ISBN | : 1118051939 |
Why look into annuities? If you’re a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read Annuities For Dummies, 3rd Edition. This completely revised and updated, plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You’ll find out exactly what annuities are, whether they’re the right financial vehicle for you, and which of the many annuity options might have your name on it. You’ll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to: Identify the main types of annuities Weigh the pros and cons of annuities for yourself Minimize the complexity and cost of your annuity investment Figure out how much money to commit Avoid common annuity pitfalls Create an income you can’t outlive The time to start securing your financial future is now. Annuities For Dummies, 3rd Edition, gives you knowledge, insider tips, and expert advice you need to make your money do its best for you.
| Author | : Mary Hardy |
| Publisher | : John Wiley & Sons |
| Total Pages | : 309 |
| Release | : 2003-03-06 |
| Genre | : Business & Economics |
| ISBN | : 0471392901 |
A comprehensive guide to investment guarantees in equity-linked life insurance Due to the convergence of financial and insurance markets, new forms of investment guarantees are emerging which require financial service professionals to become savvier in modeling and risk management. With chapters that discuss stock return models, dynamic hedging, risk measures, Markov Chain Monte Carlo estimation, and much more, this one-stop reference contains the valuable insights and proven techniques that will allow readers to better understand the theory and practice of investment guarantees and equity-linked insurance policies. Mary Hardy, PhD (Waterloo, Ontario, Canada), is an Associate Professor and Associate Chair of Actuarial Science at the University of Waterloo and is a Fellow of the Institute of Actuaries and an Associate of the Society of Actuaries, where she is a frequent speaker. Her research covers topics in life insurance solvency and risk management, with particular emphasis on equity-linked insurance. Hardy is an Associate Editor of the North American Actuarial Journal and the ASTIN Bulletin and is a Deputy Editor of the British Actuarial Journal.
| Author | : Cameron Huddleston |
| Publisher | : John Wiley & Sons |
| Total Pages | : 256 |
| Release | : 2019-06-25 |
| Genre | : Business & Economics |
| ISBN | : 111953836X |
Learn to start open, productive talks about money with your parents as they age As your parents age, you may find that you want or need to broach the often-difficult subject of finances. In Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances, you’ll learn the best ways to approach this issue, along with a wealth of financial and legal information that will help you help your parents into and through their golden years. Sometimes parents are reluctant to address money matters with their adult children, and topics such as long-term care, retirement savings (or lack thereof), and end-of-life planning can be particularly touchy. In this book, you’ll hear from others in your position who have successfully had “the talk” with their parents, and you’ll read about a variety of conversation strategies that can make talking finances more comfortable and more productive. Learn conversation starters and strategies to open the lines of communication about your parents’ finances Discover the essential financial and legal information you should gather from your parents to be prepared for the future Gain insight from others’ stories of successfully talking money with aging parents Gather the courage, hope, and motivation you need to broach difficult subjects such as care facilities and end-of-life plans For children of Baby Boomers and others looking to assist aging parents with their finances, Mom and Dad, We Need to Talk is a welcome and comforting read. Although talking money with your parents can be hard, you aren’t alone, and this book will guide you through the process of having fruitful financial conversations that lead to meaningful action.
| Author | : Marco Gantenbein |
| Publisher | : John Wiley & Sons |
| Total Pages | : 354 |
| Release | : 2008-03-31 |
| Genre | : Business & Economics |
| ISBN | : 0470282185 |
Swiss Annuities and Life Insurance examines the key characteristics of Swiss annuities and life insurance, and explains how the use of these products can help you achieve asset protection, growth, and, in some cases, significant tax planning opportunities. Swiss annuities and life insurance are an excellent alternative investment, particularly for high-net-worth individuals. With this expert guidebook, you too will learn how to safely capitalize on these attractive products.
| Author | : Albert Easton, FSA, MAAA |
| Publisher | : ACTEX Publications |
| Total Pages | : 334 |
| Release | : 2014-06-01 |
| Genre | : Business & Economics |
| ISBN | : 1625422121 |
Actuarial Aspects of Individual Life Insurance and Annuity Contracts provides a comprehensive overview of the features and financial aspects of traditional, indexed, and variable products and their related rider benefits. Product development, pricing, financial reporting methods, and regulatory requirements are addressed for all products, including those with derivative-based guarantees. This provides an introduction to actuarial techniques and the relationships among various financial values for the student and provides a comprehensive summary of current practices on more recent products for the experienced actuary. Spreadsheets are available on the ACTEX website to demonstrate profit testing alternatives.
| Author | : Frederick Vettese |
| Publisher | : ECW Press |
| Total Pages | : 202 |
| Release | : 2020-10-20 |
| Genre | : Business & Economics |
| ISBN | : 1773056417 |
Canada’s #1 bestselling retirement income book is now completely revised and updated. Vettese will show you how to mitigate risk and secure your financial future in these unpredictable times. As COVID-19 rocks the economy in an unprecedented black swan event, retirees and those who are preparing to retire need answers to pressing questions about their financial futures. Originally published in 2018, the second edition of Retirement Income for Life, has been completely revised and updated, and now includes: New chapters on early retirement, retiring single, what to do when one spouse dies young, and more. Three strategies for mitigating your personal financial risk in the current downturn in equities and other investment products. Advice on how to plan for (and even benefit from) the coming bear market, resulting from COVID-19, which will create unprecedented equity buying opportunities, possibly as early as 2021. Information on the impact of unbearably low interest rates on annuities and fixed income investments and what to do if you hold them. The reasons retirees should be deferring CPP until age 70 and why the case for this is stronger than ever. Author Frederick Vettese demystifies a complex and often frightening subject and provides practical, actionable advice based on five enhancements the reader can make to mitigate risk and secure their financial future. With over one thousand Canadians turning 65 every day, the cultivation of good decumulation practices — the way in which you draw down assets in retirement, ideally to have a secure income for the rest of your life — has become an urgent matter that no one can afford to ignore.
