Annuities And Retirement Income Planning PDF Download
Are you looking for read ebook online? Search for your book and save it on your Kindle device, PC, phones or tablets. Download Annuities And Retirement Income Planning PDF full book. Access full book title Annuities And Retirement Income Planning.
Author | : Patrick J. Collins |
Publisher | : CFA Institute Research Foundation |
Total Pages | : 27 |
Release | : 2016-03-16 |
Genre | : Business & Economics |
ISBN | : 1944960023 |
Download Annuities and Retirement Income Planning Book in PDF, ePub and Kindle
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 | : Patrick J. Collins |
Publisher | : CFA Institute Research Foundation |
Total Pages | : 106 |
Release | : 2015-12-28 |
Genre | : Business & Economics |
ISBN | : 193466796X |
Download Longevity Risk and Retirement Income Planning Book in PDF, ePub and Kindle
The past 50 years have seen an abundance of research on retirement planning and longevity risk. Reviewed here is the academic side of the research and its varied viewpoints and nuances. The evolution of retirement risk models, retirement portfolio problems and solutions, and annuities are some of the many topics covered.
Author | : David Reindel |
Publisher | : Agate Publishing |
Total Pages | : 193 |
Release | : 2009-03-01 |
Genre | : Business & Economics |
ISBN | : 1572846534 |
Download Don't Die Broke Book in PDF, ePub and Kindle
Massive numbers of 50-plus baby boomers will be retiring in the next few years. How will they finance that retirement? This practical guide presents an often overlooked but commonsense solution. Expert David Reindel argues persuasively for the preservation of assets, rather than a risk-prone obsession with the accumulation of them. Crucial to this process, he explains, is the humble annuity. Why have these time-honored investment tools generated so much negative attention in recent years? Don’t Die Broke details the financial industry’s misrepresentations of the annuity, and how — set up and managed correctly — it can offer the most reliable income source for boomers in this era of economic uncertainty. This book is both a clear-minded analysis of the forces that have led us to the present calamity and a reassuring roadmap to a more secure future.
Author | : Mark Warshawsky |
Publisher | : MIT Press |
Total Pages | : 277 |
Release | : 2012 |
Genre | : Business & Economics |
ISBN | : 0262016931 |
Download Retirement Income Book in PDF, ePub and Kindle
Strategies, products, and public policies that will help a new generation of retirees maximize income and minimize risk. As members of the baby boom generation head into retirement, they face an economic environment that has changed noticeably since their parents retired. Most of these new retirees will not be equipped, as many in the earlier generation were, with private pension plans, early retirement options, and fully paid retiree health benefits in addition to Social Security and Medicare. Today it is increasingly left to retirees themselves to plan how to maximize retirement income and minimize risk. In Retirement Income, Mark Warshawsky and his colleagues describe strategies, products, and public policies that will help a new generation achieve financial security and income growth in retirement. Warshawsky, a noted expert in the field who has worked in both government and private industry, analyzes two insurance vehicles, life annuities and long-term care insurance, and their capacity to protect against the extra costs arising from longevity and disability. He proposes two innovations. The first is a strategy that includes a set percentage withdrawal from a balanced portfolio, which is gradually used to purchase a ladder of life annuities. The second proposal, which includes a description of the potential choices in product design and available tax characteristics, is a product that integrates the immediate life annuity and long-term care insurance. With Retirement Income, Warshawsky offers practical ideas based on the results of empirical investigations and analyses, which can be applied to household decision making by retirees and their financial planners and to the design of insurance products and public policy.
Author | : Virginia B. Morris |
Publisher | : Lightbulb Press, Inc. |
Total Pages | : 156 |
Release | : 2004 |
Genre | : Annuities |
ISBN | : 0974038660 |
Download Creating Retirement Income Book in PDF, ePub and Kindle
Creating Retirement Income, a Lightbulb Press book, is for anyone thinking about retirement planning and variable annuities. Planning for retirement and creating a nest egg on which to live comfortably is on everyone's mindshy;shy;from people in their twenties to those for whom retirement is just around the corner. Variable annuities provide the answers to millions of investors, yet there's still a mystery that surrounds them. This colorfully illustrated guide simplifies variable annuities and ways to create retirement wealth. Written in collaboration with the National Association of Variable Annuities, this user-friendly, easy-to-read and easy-to-understand guide to will appeal to anyone planning for retirement. Created by the authors of the best-selling Wall Street Journal guides, Creating Retirement Income will show you how to: Plan for a comfortable retirement; Choose among different annuities; Develop a diversified portfolio; Sort out the facts of social security And much more
Author | : Virginia B. Morris |
Publisher | : Lightbulb Press, Inc. |
Total Pages | : 39 |
Release | : 2011-01-05 |
Genre | : Business & Economics |
ISBN | : 0982907559 |
Download Planning Retirement Income Book in PDF, ePub and Kindle
A concise examination of the issues and solutions to the challenges of planning a financially secure retirement, meant for those people getting close to retirement age
Author | : Kerry Pechter |
Publisher | : John Wiley & Sons |
Total Pages | : 373 |
Release | : 2011-02-09 |
Genre | : Business & Economics |
ISBN | : 1118051939 |
Download Annuities For Dummies Book in PDF, ePub and Kindle
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 | : Glenn L. Wood |
Publisher | : |
Total Pages | : 40 |
Release | : 1975 |
Genre | : Variable annuities |
ISBN | : |
Download Retirement Income Planning Book in PDF, ePub and Kindle
Author | : Moshe A. Milevsky |
Publisher | : Cambridge University Press |
Total Pages | : 301 |
Release | : 2006-03-13 |
Genre | : Business & Economics |
ISBN | : 1139454862 |
Download The Calculus of Retirement Income Book in PDF, ePub and Kindle
This 2006 book introduces and develops the basic actuarial models and underlying pricing of life-contingent pension annuities and life insurance from a unique financial perspective. The ideas and techniques are then applied to the real-world problem of generating sustainable retirement income towards the end of the human life-cycle. The role of lifetime income, longevity insurance, and systematic withdrawal plans are investigated in a parsimonious framework. The underlying technology and terminology of the book are based on continuous-time financial economics by merging analytic laws of mortality with the dynamics of equity markets and interest rates. Nonetheless, the book requires a minimal background in mathematics and emphasizes applications and examples more than proofs and theorems. It can serve as an ideal textbook for an applied course on wealth management and retirement planning in addition to being a reference for quantitatively-inclined financial planners.
Author | : Harold Evensky |
Publisher | : John Wiley & Sons |
Total Pages | : 500 |
Release | : 2010-05-25 |
Genre | : Business & Economics |
ISBN | : 047088505X |
Download Retirement Income Redesigned Book in PDF, ePub and Kindle
Clients nearing retirement have some significant challenges to face. And so do their advisers. They can expect to live far longer after they retire. And the problems they expect their advisers to solve are far more complex. The traditional sources of retirement income may be shriveling, but boomers don't intend to downsize their plans. Instead, they're redefining what it means to be retired—as well as what they require of financial advisers. Planners who aren't prepared will be left behind. Those who are will step up to some lucrative and challenging work. To help get the work done, Harold Evensky and Deena Katz—both veteran problem solvers—have tapped the talents of a range of experts whose breakthrough thinking offers solutions to even the thorniest issues in retirement-income planning: Sustainable withdrawals Longevity risk Eliminating luck as a factor in planning Immediate annuities, reverse mortgages, and viatical and life settlements Strategies for increasing retirement cash flow In Retirement Income Redesigned, the most-respected names in the industry discuss these issues and a range of others.