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Annuities and Retirement Income Planning
Patrick J. Collins
出版CFA Institute Research Foundation, 2016-03-16
主題Business & Economics / General
ISBN19449600239781944960025
URLhttp://books.google.com.hk/books?id=AmrQCwAAQBAJ&hl=&source=gbs_api
EBookSAMPLE
註釋Annuitization is one asset management strategy for retirees seeking to secure lifetime income. The US annuity marketplace offers a variety of annuity contracts, including single premium annuities, advanced life deferred annuities, variable annuities with lifetime income guarantee riders, and ruin contingent deferred annuities. Advisers seeking to provide guidance to clients in or near retirement can benefit by understanding (1) the arguments both for and against annuitization and (2) how a client’s interests might be best represented in the marketplace. Important annuity contract provisions are highlighted and briefly discussed so the adviser can become more familiar with retirement-planning options.