Paper: Annuities may cause buyers to place greater value on their lives | Jackson to offer all advisory annuities through Envestnet exchange | Analysis: Quality low for over 40% of US corporate bonds
September 24, 2018
IRI Retirement Income SmartBrief
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Paper: Annuities may cause buyers to place greater value on their lives
When people buy annuities, it raises the value they place on their lives and they take steps to live longer, according to a working paper by several economists that was published by the National Bureau of Economic Research. The paper points to earlier research showing that "people with more generous annuities live longer than those with less generous annuities."
ThinkAdvisor (free registration) (9/21) 
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Retirement Income Roundup
Jackson to offer all advisory annuities through Envestnet exchange
Jackson National Life Insurance said it will offer all of its advisory annuity contracts through the Envestnet Insurance Exchange. Allianz Life Insurance Company of North America and Global Atlantic Financial Group have also signed on to sell annuities through the exchange.
ThinkAdvisor (free registration) (9/22) 
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Analysis: Quality low for over 40% of US corporate bonds
For the first time, BBB-rated bonds make up more than 40% of US corporate bonds, James Mackintosh writes. This could signal eventual economic trouble, he writes.
The Wall Street Journal (tiered subscription model) (9/20) 
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Study: Policymakers don't weigh needs of retiring couples
Retirement policies do not take into consideration the reasons couples retire together, according to a study from the National Bureau of Economic Research. This "can throw off the intended results of such policies so that they have a far greater, or lesser, impact," Marlene Satter writes.
ThinkAdvisor (free registration) (9/19) 
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Study: More employees want student-loan contributions
A study from IonTuition finds 66% of people want the ability to put retirement matching contributions toward student-loan repayment, up from 49% a year ago. Many people feel as though they have to choose between making loan payments and saving for retirement, experts say.
Financial Planning online (9/20) 
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Washington Update
Clayton doesn't know when advice rule will be finalized
There's no deadline for completion of the Securities and Exchange Commission's proposed rule governing investment advice, Chairman Jay Clayton says. "It's not this month, probably not next month," he says.
InvestmentNews (tiered subscription model) (9/21) 
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Report: Alternative investments see greater allocations by US advisors
Alternative investments accounted for 7.2% of assets under management by US advisors in 2017, up from 5.7% the year before, Cerulli Associates said in a report. About 40% of advisors surveyed said they used alternative investments, according to the report.
ThinkAdvisor (free registration) (9/21) 
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Building a productive client-service model for small accounts
Consultant Angie Herbers discusses how advisory firm Facet Wealth used a proprietary technology platform to "cost-effectively provide fiduciary financial planning advice to small accounts." Facet's work is an example of what independent advisory firms are capable of, Herbers writes.
ThinkAdvisor (free registration) (9/19) 
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Strategies for advisors when clients dislike pricing
Bryce Sanders, president of Perceptive Business Solutions, offers approaches advisors can take when a client is unsatisfied with pricing. These include unbundling, discounting and pay as you go.
ThinkAdvisor (free registration) (9/19) 
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Advisors offer tips for handling clients' interest in pot investments
As more states legalize marijuana for medical or recreational use, financial advisors are fielding questions from clients about investing in the industry. Some say clients should only invest money they are willing to lose, while others advise investing cautiously and for the long term.
InvestmentNews (tiered subscription model) (9/20) 
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IRI Updates
IRI Insight -- Summer 2018 is now available
The Summer 2018 issue of IRI Insight includes an examination of the unique retirement risks faced by women, and the opportunities advisors have to help them plan. This issue also introduces "IRI Fast Facts," an infographic of select findings from our exclusive research that provide perspective on the retirement-planning challenges Americans face today. The issue includes articles on engaging families in long-term-care planning, optimizing Social Security benefits, volatility managed strategies and an interesting look at what clients say when their advisors are not in the room.
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The 2018 IRI Retirement Fact Book is here
The IRI Retirement Fact Book 2018 is the definitive guide for the retirement income industry and the go-to resource for financial professionals and public policymakers. The latest edition provides the most recent research on generational retirement readiness, demographic insights and marketing trends from the retirement income marketplace, bolstered by market research and sales data. Other updates include a review of new developments in product innovation and the legal/regulatory environment. Download the PDF or order a printed copy here.
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