PLANADVISER Weekend Newsdash
Week ending August 16th, 2019

Four percent annual withdrawals from a defensively positioned portfolio may be a good starting point for discussing retirement income, but in reality, such a simple approach will not work for everyone. A robust retirement income plan includes consideration of anticipated mandatory and discretionary expenses, regular assessments of risk in the equity portfolio, active coordination of bond holdings, minimization of taxes, the weighing of income insurance and much more. Find below a series of helpful articles on all these topics. We hope you will share some of what you read with a client or colleague.

Retirement Income Planning
'Modern Tontine Theorists' Have Time-Tested Retirement Income Ideas
The retirement planning challenges facing workers today are by no means new or novel, nor are the many different types of solutions being debated by academics and policymakers. Read more >
Retirement Income Solutions and Strategic Withdrawals
Thomas Dodd, executive director of Pavilion Advisory Group, speaks to the importance of implementing a strategic withdrawal plan once retirees initiate distributions of DC plan assets. Read more >
Casting DC Plans in a Retirement Income Light
Mike Sasso, with Portfolio Evaluations, and a professor at Boston University,  explained a new way of thinking to get plan sponsors to focus on retirement income for participants. Read more >
Individuals Concerned About Impact of RMDs on Taxes
Nearly one-third of individuals surveyed by Allianz Life Insurance Company of North America say they have difficulty understanding how required minimum distributions could impact their overall tax obligation. Read more >
Facing Uncertainty With Laddered Fixed-Income Portfolios
Experts argue bond ladders can work in a rising rate environment and across a variety of unpredictable macroeconomic scenarios—allowing investors to continually readjust their fixed-income exposure.  Read more >
MOST POPULAR STORIES
GKN Latest to Face Scrutiny Over GoalMaker Service

Though its GoalMaker portfolio management solution features prominently in the plaintiffs’ allegations, Prudential is not a party in the case.

Well-Funded HSAs Are a Retirement 'Superpower'

Having an HSA going into retirement is ‘incredibly powerful,’ experts say, because money is being saved and spent as efficiently as possible.

A Year of Disruption Spotlights Tech, Cybersecurity

Advisers are increasingly focused on social media marketing, technology that can deliver investment personalization, and cybersecurity.  

New Benartzi Paper Dissects Narrow Framing Phenomenon

Would you accept a bet in which you win $200 if a coin lands on heads and lose $100 if it lands on tails? What if you could play twice?

Only 31% of Hispanic Workers Participate in a Workplace Retirement Plan

Morningstar says there are several factors besides lower income that could contribute to the lower savings relative to other demographic groups.

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