The Personal Pension

Personal Pension Case Study: Ryan

Ryan, age 35, bought a Personal Pension for a guarantee to balance his riskier 401(k) investments.

The Personal Pension

Can We Solve the Annuity Puzzle by Reframing Annuities?

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

Can the Personal Pension Leverage Behavioral Economics to Solve the Annuity Puzzle?

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.

Annuity Basics

Annuities & Inflation Risk in Retirement

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.

Annuity Basics

Impact of the Fed’s Interest Rate Increase on Annuity Rates

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.

Retirement Planning

How to Restore the Three-Legged Retirement Stool

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.

Inside Blueprint Income

ICYMI: Listen to Blueprint Income’s Lauren Minches Discuss the Personal Pension on the Stacking Benjamins’ Podcast

Stacking Benjamins recently hosted Blueprint Income's Lauren Minches on their podcast to discuss retirement savings and the Personal Pension.

The Personal Pension

5 Reasons Why Annuities Without Cash Value Is Best

Annuities without cash value, a.k.a. income annuities, offer you protection from running out of money by providing guaranteed retirement income. These are the 5 reasons why income annuities are the best option for your retirement plan.

Inside Blueprint Income

ICYMI: Blueprint Income’s Innovative Personal Pension Profiled in Bloomberg

Bloomberg's recent profile of Blueprint Income highlights the firm's origins and development of the Personal Pension.

Retirement Planning

How Stock Market Drops Affect Your Retirement

401(k)s have become the predominant way to prepare for retirement, which leaves retirement savings exposed to market volatility. As a result, we are more sensitive to changes and drops in the markets. Knowing how stock market drops affect your retirement means it's important to protect your investments from movements in the market.