Week ending December 20th, 2019

Four percent annual withdrawals from a defensively positioned portfolio may be a good starting point for spending in retirement, but in reality, such a simple approach will not work for everyone. Collected below are some recent articles exploring the topic of income in retirement. Providers and plan sponsors are innovating in this area, and advisers must keep up with a shifting set of products, regulations and client demands.

Editor's choice

Crafting Annuity Confidence and Clarity Is Hard Work

One passionate analyst says the highly nuanced annuity marketplace does not receive sufficiently careful attention from either the financial services media or potential consumers. Read more >

Business Owners Dream (Wrongly) of an Easy Retirement Transition

Business owners believe strongly in the value of their businesses, so they are often tempted to reinvest everything into the enterprise, thinking that will be their “retirement plan.” Read more >

QDIA Design That Will Better Serve Participants Ready to Retire

Jason Shapiro notes that some DC plan participants may stay in their plan after retirement and rely on TDFs’ asset allocation for retirement income for possibly 30 years or even more. Read more >

The Pros and Cons of Rolling Money Over to an IRA

Experts see more value for participants to move their money from one 401(k) to another 401(k) than from a 401(k) to an individual retirement account. Read more >

Inheritance Pathways Exist to Replace Stretch IRAs

The SECURE Act is stalled in the U.S. Senate due in part to several lawmakers’ concerns that it does away with so-called “stretch IRAs,” but tax and inheritance experts say other effective tax mitigation strategies are available. Read more >

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