One of the most important investment decisions you’ll make is how much risk to take. Tolerisk ® uses a sophisticated process to help you and your Advisor customize the right risk level for your personal financial circumstances and personality. This exercise will ask you a series of questions related to your Willingness & Ability to take investment risk.
Over the past few years, economists have expended a lot of time and energy attempting to explain what they call ” the annuity puzzle.” The puzzle is this: A guaranteed lifetime income is a valuable thing (especially if it comes with regular cost-of-living adjustments), and people who receive one through a traditional state or corporate pension are generally very happy with it.
16 Pages Posted: 7 Oct 2009 Last revised: 6 Jan 2011 Date Written: December 27, 2010 * We offer the first empirical exploration of fixed indexed annuity returns based upon actual contracts that were sold and actual interest that was credited. * Annuity returns have been competitive with alternative portfolios of stocks and bonds.
With the prolonged era of historically low interest rates artificially created by central banks, retirement savers have been forced out of conservative assets like Treasury bonds, CDs, and high-grade bonds and pushed into riskier assets like growth stocks and junk bonds.
Mariann Montagne, Gradient Investments, and Rich Weiss, American Century Investments, join ‘The Exchange’ to discuss if market valuations are turning more profitable.
1 min 49 sec video