Annuity adoption is less than would be expected in traditional economic models, as economists have shown that purchasing an annuity can lead to higher retirement income than a self-managed portfolio. Reframing annuities as a mechanism to improve consumption in retirement can improve utilization of annuity products.
The Personal Pension, which is an annuity account that you fund over time through small monthly contributions, addresses many of the behavioral economic causes of the annuity puzzle.
Bonds and annuities have unique features that make them important components of your retirement portfolio. Understanding the role each plays in preparing for retirement can help you optimize the conservative, or safe, portion of your portfolio.
Inflation risk in retirement captures the possibility that the prices of goods will increase beyond what your retirement income and savings can handle. Annuities do not do a good job protecting you from that risk, and instead are built to protect you from the other two big risks: market risk and longevity risk.
For many pensioners, corporate pension de-risking and risk transfers may have a minimal impact on their lives and could ultimately promote their retirement security. Read on to understand these transactions better.
The Federal Reserve recently raised short term interest rates by 0.25%, but how does this impact annuity payouts? Learn what factors, in addition to changes in interest rates, can affect your annuity payout.
The rise of the 401(k) and the corresponding decline of defined benefit pension plans upended the three-legged stool model for retirement savings, leading to retirement insecurity. Blueprint Income is working to restore the broken leg of the stool: pensions.
Stacking Benjamins recently hosted Blueprint Income's Lauren Minches on their podcast to discuss retirement savings and the Personal Pension.
American National, founded in 1905, is one of the annuity providers on Blueprint Income's platform.
Symetra, founded in 1957, is one of the annuity providers on Blueprint Income's platform.