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the handbook of variable income annuities
Jeffrey K. Dellinger (Autor)
·
wiley
· Libro Físico
the handbook of variable income annuities - jeffrey k. dellinger
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Reseña del libro "the handbook of variable income annuities"
the aging of the american population provides a challenge for those nearing retirement age: having accumulated assets during their working years, they now face the risk of living too long, depleting their wealth, and becoming financially dependent on others. individuals save for decades to be financially secure in retirement. even if retirement savings goals are achieved, people still need to ensure that this will generate sufficient income regardless of longevity. solutions to the retirement income challenge include: self-management; fixed income annuities; variable income annuities. regardless of high intelligence or exceptional investment acumen, individuals cannot optimize how they draw down retirement assets because they cant predict how long theyll live. by pooling a large number of people with retirement income needs together, providing each with lifetime income is safely achievable because the survival pattern for the group as a whole is known. it is this very element of predictability through aggregation that makes the collective risk manageable, allowing a person with retirement income needs who participates with a group of similar people to enjoy retirement security unachievable on his own, such as through a self-management program. in the u.s., only social security, defined benefit pension plans, and annuities offer lifetime income. there is increasing concern about the long-run viability of social security as relatively fewer workers try to support relatively more retirees. participation in defined benefit plans is decreasing as these are being replaced by defined contribution plans that provide an account balance with no promises about retirement income. as a result, americans are increasingly self-funding their retirement income with diminished reliance on governmental and employer programs. variable income annuities provide the superior approach to achieve this. whether purchased with out-of-pocket money or ira and 401(k) account balances already mentally earmarked to provide retirement income, variable income annuities can be demonstrated quantitatively to be superior to alternative approaches.
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