Búsqueda

Variable annuities and the new retirement realities

Fichero PDF / PDF file
Registro MARC
Tag12Valor
LDR  00000nab a2200000 i 4500
001  MAP20071509287
003  MAP
005  20080418130353.0
007  hzruuu---uuuu
008  080225s2008 che|||| | |00010|eng d
040  ‎$a‎MAP‎$b‎spa
084  ‎$a‎34
1001 ‎$0‎MAPA20080316433‎$a‎Condron, Christopher M.
24510‎$a‎Variable annuities and the new retirement realities ‎$c‎Christopher M. Condron
520  ‎$a‎People today face the prospect of a retirement that may likely last 25 years or even longer. Concerns about the stock markets' volatility and the potential impact on their portfolios has caused many individuals approaching retirement to retreat from investments in equities and shift into fixed-income assets, despite historical evidence that investment in equities provide long-term returns superior to fixed-income returns. This conservative approach, embodied in such tools as Target Date Funds, for some investors could hamper asset accumulation and may make it less likely that assets will remain adequate to provide sustained sources of income during a lengthy retirement period. The insurance industry is uniquely positioned to offer those nearing retirement an alternative investment and risk management strategy through variable annuities. Features in the newer variable annuity product designs encourage individuals to remain invested in equities at older ages by cushioning them from some of the consequences of market volatility. As a result, investors are more apt to maintain a more equity-weighted investment portfolio and thereby have an opportunity to realize a greater portion of the superior growth potential that equities have historically provided over the long term
65001‎$0‎MAPA20080552114‎$a‎Pensiones
65001‎$0‎MAPA20080554927‎$a‎Jubilación
65011‎$0‎MAPA20080570422‎$a‎Renta variable
650 1‎$0‎MAPA20080603182‎$a‎Productos financieros
7404 ‎$a‎The Geneva papers on risk and insurance
7730 ‎$t‎The Geneva papers on risk and insurance : issues and practice‎$d‎Genève‎$g‎Vol. 33, nº 1, 2008 ; p. 12-32