It’s Hot Around the ‘Collar’

March 30, 2018 by Kerry Pechter

With the equities boom showing signs of fatigue, and with so many investors near retirement, it’s no wonder that collar-type products, which insulate investors from various levels of downside risk, have become a fertile area of innovation for both life insurer actuaries and the financial engineers on Wall Street.

A number of insurance-based and investment-based versions of these accumulation-oriented products are now available. Starting with AXA in 2010, a half-dozen life insurers have developed structured or indexed variable annuities with collar-like capabilities. 

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Originally Posted at Retirement Income Journal on March 29, 2018 by Kerry Pechter.