This paper compares the ability of living and guaranteed annuities to provide a minimum real income for life. The analysis highlights the impact of the cap on living annuity drawdowns and the often overlooked benefits of mortality pooling embedded in a guaranteed annuit...
Then it was likely that I’d have had to draw my DB pension early and invest for the income I’d lose by the massive actuarial reduction, and I was looking for ways to reduce the volatility to make that more annuity-like. This was before Osborne’s changes that meant I could front-r...
I am badly exposed to inflation in the long term, because half my income is an annuity, albeit with some inflation protection, but only up to 5% p.a. Any time inflation goes above that, I get permanently poorer for the rest of my life in terms of income. Now to get this into persp...
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Harris quits Living Time after MetLife annuity dealThe article reports on the resignation of Dave Harris, managing director of sales and marketing of Living Time, after the firm's distribution deal...
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Annuities add unemployment rider. (New York Life Insurance and Annuity Corp adds unemployment and living needs benefit riders to single-premium deferred annuities) (Product News/Marketing)Koco, Linda
New VA options add luster to Roth IRAs: combining Roths with the living benefits on a variable annuity can provide lifetime tax-free income.(Life: Underwriting Insight)(Individual Retirement Arrangement )Kunkel, Brian L
Depends very much what it does for you and also what other resources you have. Particularly annuity-like resources. For people who don’t need to think of intergenerational legacies intuitively annuities (DB pensions and the SP) much shift the balance of the mix signficantly. It shifts me to...
This implies a SWR of 5% on the bonds part, but since this is an annuity the SWR is a moot point. I can now compute the mix of this collection of financial asset classes. I don’t tally housing in networth. My half of the house2 is not a big part of the pie lower down. I ...