Using SPIAs as bond replacements in a retirement portfolio

November 9, 2016 by Jeffrey Levine

The number one fear of many retirees is running out of money before they run out of life. For clients who share this concern, new research suggests that they use annuities to replace certain portions (or all) of a client’s portfolio that would normally be allocated to bonds and other fixed-income investments. Doing so, studies show, may significantly extend the life of a client’s assets.

While this strategy has advantages, such as reducing portfolio risks associated with market downturns or longevity, the benefits come at the expense of liquidity and upside potential.

Click HERE to read the full article via LifeHealthPro; free registration

Originally Posted at LifeHealthPro on November 8, 2016 by Jeffrey Levine.