Practical analysis for investment professionals

Retirement


Top Five Articles from September: The Value Factor, Non-Retirement, Finance and Civilization

A defense of modern portfolio theory (MPT) by Nathan Erickson, CFA, CAIA, and Richard Stott; Nicolas Rabener's analysis of the value of factor investing; and an examination of the non-retirement phenomenon by Barbara Stewart, CFA, were among the leading posts from last month.

Planning for a Non-Retirement

Much of financial planning focuses on retirement. But what if your client isn’t planning to retire? Barbara Stewart, CFA, explores the question.

Weekend Reads: Retirement Dreams, Summertime, and Learning to Say No

Susan Hoover shares her vision of retirement bliss and highlights selections on teaching, learning to say no, tree-climbing goats, and more, in Weekend Reads.

The Retirement Gender Gap: Saving, Risk, and Guaranteed Income

“The big fear society has is your standard of living is going to drop dramatically [in retirement]. And that’s what clients come to you and ask for help on,” says Diane Garnick, chief income strategist and managing director for TIAA (Teachers Insurance and Annuity Association). So what does the retirement data say? One of the most worrisome trends is the gender retirement gap.

Long-Term Care Insurance (LTCI): The Good, the Bad, and the Ugly

What are the pros and cons of long-term care insurance (LTCI)? How do the potential alternatives compare? Does your client have the right plan in place? Susan Hoover considers the options and what you and your clients need to know.

Health Care Is Critical to Wealth Care

Carolyn McClanahan believes that financial planners need to help clients figure out their long-term goals rather than focusing on investments alone. She finds that many financial planners avoid discussing health with their clients despite its significant implications.

When It Comes to Retirement, Girls Just Want to Have Funds

When it comes to retirement planning, it's important to take into account that women tend to have shorter work careers, earn less, live longer than men, and have less tolerance for risk, says Diane Garnick, CFA. Which is why it's essential to understand that "averages just aren't going to work."

Edward Altman: The Benign Credit Cycle Is in Extra Innings

Edward Altman says the benign credit cycle is in “extra innings,” but the metaphorical relief pitchers — central bankers — are running out of gas. Though most indicators point towards the end of the benign cycle, Altman cannot predict when the stress cycle will begin.

Theory to Practice: Siegel and Waring on Retirement Spending Rules

Laurence B. Siegel and M. Barton Waring devised a way to balance an investor’s portfolio concerns by adopting a personal annuity structure, created by relating an asset portfolio’s value to a stream of annual spending over a term related to the remaining lifespan of the investor.

Retirement Income Planning and the “Language of Longevity”

When it comes to retirement income planning, advisers should focus less on "shortfall" and "failure" probabilities, and embrace the "language of longevity,” Moshe Milevsky tells Barbara Petitt, CFA, in an interview for the Financial Analysts Journal Author Interview series.



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