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Retirement Focus - More Post-Retirement Investing

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by Mike Posey

IN THIS ISSUE:

Introduction

This week, I am going to continue the series of E-Letters dedicated to investing during retirement. In past Retirement Focus issues, I have covered how to determine how much money is enough at retirement, as well as the various ways of taking retirement income. However, the success of any withdrawal option is going to hinge upon the way your nest egg is invested during retirement.

In my initial discussion about post-retirement investing in the May 27 Retirement Focus, I mentioned that there are a myriad of ways to invest during the payout phase, each with its own set of advantages and disadvantages. For purposes of simplifying our discussion, I categorized these investment strategies into the following broad categories:

I covered the first two of these alternatives in the May 27 E-Letter. However, I realize that immediate annuities and fixed income alternatives are considered to be among the most conservative of investment strategies, so they may not be able to provide the level of income needed for retirement. This is especially true in light of Baby Boomers who have not saved enough for retirement, as well as the prospect of ever-increasing life expectancies.

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This week, I’ll delve deeper into alternative #3, variable annuities, which have the potential for higher gains and the prospect of higher withdrawals during retirement. However, as we move up the list of post-retirement investment alternatives, it is also important to note that we also increase the risk of investment loss.

I’m also going to revive the “Retirement Tidbit” concept that I discussed when I first started writing these Retirement Focus E-Letters. These tidbits are ideas or resources related to retirement that probably wouldn’t fill up an entire e-letter, but are still important to mention. This week, our tidbit is even more interesting in that it involves a publication written by a Forecasts & Trends E-Letter reader. I think you’ll enjoy what he has to say.

I want to remind you that any investment information provided in this E-Letter is general in nature, and should not be construed as investment or insurance advice. You should always evaluate insurance and investment options in light of your personal financial situation, retirement goals and any special circumstances you may have. Ideally, you should consult a qualified insurance and/or investment professional who can take the time to review your situation and tailor an investment approach to meet your needs.

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Variable Annuity Investments

Variable annuities have been around for a long time, and are experiencing a new growth trend as the Baby Boom generation is beginning to take retirement a little more seriously. As I mentioned in the May 27 Retirement Focus issue, a variable annuity is often defined as being a “mutual fund in an insurance wrapper,” but not everyone knows what that means.

In this article, I’ll seek to better explain the variable annuity concept as well as discuss when these contracts may be the best alternatives for part of your post-retirement investing. Note, however, that a discussion about all of the characteristics of variable annuities is far beyond the scope of this brief E-Letter. Since the theme of this series of E-Letters is how to invest during retirement, I’ll keep most of my comments focused on the features of variable annuities that may make them suitable for that phase of your investing life.

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Basically, a variable annuity is a type of deferred annuity contract where returns are dependent upon the market performance of a selected group of investments. Thus, variable annuities differ from fixed annuities in that returns are tied to the market and not a pre-determined fixed rate of return set by the insurance company. They also differ in that market action can result in losses as well as gains in a variable contract.

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To access market-rate returns, each variable annuity offers a group of equity and/or bond “sub-accounts,” which are essentially mutual funds within the annuity. While various types of insurance provisions can guarantee the original principal and sometimes even certain gains upon the death of the annuitant, there are usually no guarantees as to a variable annuity’s annual performance as there are in fixed annuities. There are, however, certain “living benefit” riders that I will discuss later on that can provide some measure of performance guarantee ? for a fee.

As a practical matter, the management of the sub-accounts available in variable annuities is usually a matter of using asset allocation and/or active management acheter le viagra generique bon marche en ligne investment strategies, both of which are alternative post-retirement investment strategies that will be covered in later Retiremen

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