White Paper:

Portfolio Income Insurance: Understanding the Benefits of a Contingent Deferred Annuity

Improved longevity can put stress on retirement savings to provide income for more than 25-30 years. Over these long investment horizons, unprotected retirement income frameworks may not adequately meet the needs of investors. It can be hard for investors to stomach the idea that a retirement plan may need to be revised because, due to a 20% market drop, their anticipated $45k/yr. income looks more like $34k, for instance.

In this white paper, American College of Financial Services Professor Michael Finke, PhD, explores a new kind of solution called a Contingent Deferred Annuity (“CDA”) that efficiently provides portfolio income insurance by establishing a fixed guaranteed stream of income for life.

About the Author:

Michael Finke, PhD, is Professor of Wealth Management, Director for the Granum Center for Financial Security, and the Frank M. Engle Distinguished Chair in Economic Security at The American College of Financial Services. He is a nationally renowned researcher with a focus on the value of financial advice, financial planning regulation, investments, and individual investor behavior.
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