Browsing Tag
Lifetime Income
108 posts
Lifetime Income refers to a financial strategy or product designed to provide clients with a steady stream of income for the rest of their lives. RIAs use this concept in retirement planning to ensure clients can cover essential expenses and maintain their lifestyle without the risk of outliving their assets. It often involves annuities, systematic withdrawals, or investment portfolios structured to generate sustainable income over a client’s lifetime.
High Anxiety: Americans Confronted by a Looming Retirement Income Shortfall
You might remember that the World Economic Forum recently estimated that 65-year-old Americans could outlive their retirement savings…
Deferred Annuities as 401(k) Plan Default?
A team of academics is proposing the inclusion of deferred lifetime income annuities (DIAs) as a default in employer-provided 401(k) plans.
How to Get Lifetime Income Solutions in 401(k) Plans
New report sees lifetime income solutions as a key to helping 401(k) plans evolve from accumulating retirement savings to generating retirement income.
3 Ways to Help 401(k) Participants Decumulate
America’s headed toward a “retirement crisis.” The majority of workers aren’t saving enough. Health care is going to…
401(k) Plan Sponsors Seriously Worried About Employee Retirement Chances
Should 401(k) advisors be banging HSA and annuity (or rather “guaranteed income”) options harder? Yes, if we’re to…
Will More 401(k)s Finally Provide Guaranteed Lifetime Income?
Ask and you shall receive. Hopefully. Eventually. Research revealing what many 401(k) savers truly want—a guaranteed income income…
How Risk-Averse Are 401(k) Retirement Savers?
No surprise here, 401(k) savers are worried about market volatility and want advice for protecting their retirement nest eggs during periods of turmoil.
401(k)s to Include Social Security-Like Income Predictions: Legislation
401(k) plan sponsors could soon be required to inform participating workers of the projected monthly income they could…