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Exclusive: Vanguard Founder John Bogle Projects ‘Nominal To Zero’ Real Returns Over The Next Decade
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How Are Income and Wealth Linked to Health and Longevity?

The greater one’s income, the lower one’s likelihood of disease and premature death. Studies show that Americans at all income levels are less healthy than those with incomes higher than their own. Not only is income (the earnings and other money acquired each year) associated with better health, but wealth (net worth and assets) affects health as well…

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NAFA White Paper on Annuity Income Opportunities

Annuity product innovations include a wide variety of ways to provide guaranteed income through annuitization choices, income riders called guaranteed lifetime withdrawal benefits (GLWB) or guaranteed lifetime income benefits (GLIB) and withdrawal benefits. These options provide retirees the amount of guaranteed income and flexibility and control over retirement savings…

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Points of Interest – Sequence of Returns Risk, The Importance of WHEN Your Ups and Downs Occur

When developing a strategy for withdrawing retirement savings, many individuals base their assumptions on an average annual investment returns number, like 6%. They assume so long as they keep withdrawals under that amount, their money should last throughout retirement. Unfortunately, they’re overlooking the importance of timing…

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How to Draw Down Your Nest Egg

The 4% safe withdrawal rate has come under fire for good reason: It is based on a relatively small sample of historical market data and does not hold up when a retiree suffers big losses the first few years out of the gate…

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Will The Rebound in Equities and Housing Save Retirements

The National Retirement Risk Index (NRRI) measures the share of working-age American households “at risk” of being unable to maintain their pre-retirement standard of living in retirement. The Index is calculated by comparing households’ projected replacement rates with target replacement rates that would allow them to maintain their standard of living. These calculations are based on the Federal Reserve’s Survey of Consumer Finances…

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Income Annuities Improve Portfolio Outcomes in Retirement

Retirees face several critical retirement risks, including market performance, inflation, and longevity risk. Despite these obstacles, financial advisors must help retirees achieve successful outcomes. This study demonstrates how retirees can improve portfolio outcomes in retirement by combining income annuities with mutual funds in an overall asset allocation…

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Real-World Index Annuity Returns

This paper offers the first empirical exploration of fixed indexed annuity (FIA) returns based on actual contracts that were sold and actual interest that was credited. FIAs are designed to have limited downside returns associated with declining markets, and achieve respectable returns in more robust equity markets…

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Retirement Happiness

Today’s workers face very different retirement challenges than their parents and grandparents once did. The declining trend in retirement satisfaction is particularly worrisome given the broader economic and fiscal challenges lying ahead for the United States…

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