Many retirees have learned the hard way that losses in their investments are compounded by withdrawals. The Income for Life Model has proven to be a very effective strategy to provide lifetime inflation adjusted income with higher probabilities for success.
The minds at American Funds explore the challenges Americans face due to the "new math" of the distribution phase of life. Maintaining lifestyle in volatile markets, longer life expectancies, future inflation, and spending habits has its challenges.
This July 2008 study, Retirement Vulnerabilities of New Retirees, reveals the unprecedented challenges baby boomers will face maintaining their standard of living in retirement.
Retirement at the Tipping Point
This is a national study exploring how four generations are rethinking retirement.
Andy Mayo examines how the rules change once we start to draw off of our assets in order to generate a lifestyle income in retirement.
The University of Michigan Health and Retirement Study (HRS) is a longitudinal panel study that surveys a representative sample of more than 26,000 Americans over the age of 50 every two years. The HRS explores the changes in labor force participation and the health transitions that individuals undergo toward the end of their work lives and in the years that follow.
The Wharton offers the first empirical exploration of fixed indexed annuity returns based upon actual contracts that were sold and actual interest that was credited
This is a study by Robert Seawright, Chief Investment and Information Officer at Madison Avenue Securities. Retirees and near-retirees often wonder whether they should purchase an annuity to provide sustainable lifetime income - in effect, a guaranteed retirement paycheck - that they cannot outlive. Most do not. That's almost always a big mistake. This "white paper" will explain why.