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Is Buying an Annuity in a Zero Interest Rate Environment a Good Idea?
The Federal Reserve’s decision to cut its benchmark federal funds rate from 1% to a range of 0% raises significant questions for those reassessing their retirement nest egg—a common occurrence following a dramatic selloff in equities according to research conducted by Indiana University’s Alessandro Previtero —and the value of annuities in providing guaranteed lifetime income.
Is Buying an Annuity in a Bear Market a Good Idea?
As the stock market experienced unprecedented growth over the past eleven years, many people were naturally less interested in the lifetime income options from pensions or annuities. Who wouldn’t rather have all the assets today so they can invest them with the idea of earning high returns?
Adjustments For A Conservative Return Assumption
Consider three scenarios: An individual investing a lump-sum amount for thirty years An individual saving
A Guide to a Conservative Return Assumption
A simple approach for building a financial plan is to decide on a rate of
Planning For The Future – What About Bond Yields?
Adjustments for Current Bond Yields An important consideration is that current interest rates are lower
What To Do When Markets Plummet – Investor Behavior Gap
Another concern is whether investors are disciplined enough to stay the course with the investment
Making Your Investments Work For You: Things To Consider
Inflation We must remove inflation so the numbers allow for a better understanding of purchasing
How Much Should We Depend On The Stock Market?
Simple analyses, which look to historical returns as estimates for what retirees should expect in
Unpacking Today’s Market Returns
Today, March 9th, 2020, was a bad day for the financial markets. There are four main elements to this story that I want to pick apart…
Inflation, Deflation, Confiscation & Devastation- The Four Horsemen Of Risk
Noted financial advisor and historian William Bernstein makes a compelling case for stocks in his
What To Make of Market Volatility
In recent days, the significant market decline has resulted in renewed anxiety for many of
