How Benefits Impact Asset Allocation in Variable Annuities

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Variable annuities with guaranteed minimum withdrawal benefits are popular tools in retirement income planning, and they can be very helpful in protecting your clients against longevity and market risk. However, they still leave your clients open to eroded purchasing power.

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A variable annuity—even with guaranteed minimum withdrawal benefits—won't fully protect your clients' purchasing power. You'll need to add another "bucket" to the portfolio to moderate inflation risk.

The Zone System for Choosing Retirement Income Products, Part 1

How do you decide which product to use when your client needs lifelong income—especially if his retirement savings aren't what they should be? One advisor classifies his clients into zones to decide whether to go with an investment portfolio or buy a life or variable annuity. Here is his system for making these crucial product decisions. Part 1 of 2.