Polarized attitudes toward annuities remain; more focus on riskA new survey further confirms the growth opportunity for advisors from focusing on retirement income products and strategies. However, the report also notes heightened concern among brokers and RIAs with managing investment risk for investors.The Continued Evolution of Retirement Income Delivery: An Analysis of Leading Practices in Ad
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The annuity contracts that were first offered by insurance carriers over a century ago were relatively simple instruments. They were designed to insure the risk of superannuation, or outliving one's income, and provided a guaranteed income stream to annuitants in return for either a lump-sum or periodic investment. But annuity contracts have become increasingly complex over the years... SF Gate:
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Raise your hand if you can explain why anyone still believes in credit ratings.One of the enduring questions of the financial crisis is how the credit ratings establishment got so much so wrong for so very long. How could century-old institutions like the Moody’s Investors Service give their triple-A blessings to subprime junk?It is time — in fact, past time — for Washington to get some answers.
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At the beginning of August 2010, we used our model of the S&P 500 to make three predictions of where stock prices would go during the month. We predicted: The level the S&P 500 would average in the early part of the month (1123-1175).The average level of stock prices to which the S&P 500 would go next (1074-1127).The change in the year-over-year growth rate of stock prices that woul
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With the right genes, longevity insurance a plus Among the many risks retirees face is living too long and outliving their money.Of course, the first part is a risk many would welcome. It beats the alternative.Fortunately, there is a solution in longevity insurance, better known as annuities or life annuities. These are contractual arrangements between an "annuitant" -- yourself -- and a life ins
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Brokers and registered investment advisors don't treat their clients the same way. Investors should end "buyer beware."All advisors should be held to the same code of conduct. Most investors assume that they can trust their financial advisors to act in their best interest. What they don't know is that some advisors are legally required to act for them while others are not. The financial reform ac
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Employer groups, responding to the Labor Department's proposed investment advice regulations on May 5, 2010, said that the DOL should not attempt to regulate what constitutes "generally accepted investment theories."In the proposed investment advice rules, which were issued in March 2010, the DOL made a request for public comment on the conditions applicable to investment advice arrangements that
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Interesting take on things.. It's about time someone told it like it...Obviously, the web doesn't account for the Roosevelt years. I do agree...The so-called Clinton economy hinged on the invention of the world-wide...10Q detective is one of the best....Good info....That would indicate the financial sector still has a major downside...I would hazard a guess that people are buying online rather than driving...Could this really be the bottom for the financials?...
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