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Tag Archives: retirement income

Oct 14, 2022

Taking Higher Interest Rates in STRIDE

When it rains, it pours, and there’s no lack of bad news in 2022. The equity market is in solid bear territory, with the S&P 500® down 22% YTD. Inflation is high, and the Federal Reserve has aggressively hiked interest rates in recent months. The latest cycle of rate increases has happened faster than at…

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Nov 8, 2021

Why Income Should Be The Outcome And The Need For Independent Indices

With the passage of the Setting Every Community Up for Retirement Enhancement Act of 2019, better known as the “SECURE Act”, and subsequent Department of Labor rules on lifetime income disclosures, the shift towards income-focused outcomes for America’s plan participants is well underway. I was reminded of the importance of this topic after watching the…

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Aug 19, 2020

Factoring Inflation Into Retirement Planning

How might inflation impact retirement income? S&P DJI’s Hamish Preston, DFA’s Grady Smith, and DCIIA Retirement Research Center’s Warren Cormier discuss. Learn More: https://www.spglobal.com/spdji/en/documents/performance-reports/dashboard-sp-stride.pdf  

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Apr 28, 2020

How is the Current Environment Impacting Your Retirement?

Explore how our new quarterly dashboard on S&P STRIDE can help investors better understand and plan for retirement with S&P DJI’s Hamish Preston. Get the latest dashboard: https://spdji.com/documents/commentary/dashboard-stride-2020-03.pdf.

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Oct 9, 2018

Ways To Avoid Getting Pink-Slipped In Retirement

Maybe you can’t technically get fired after retiring, but running out of income in retirement is a real risk many people fear.  According to TIAA, 49% of Americans say their No. 1 goal for a retirement plan is to provide guaranteed monthly income in retirement, and 68% of Americans would first choose a retirement paycheck that…

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Jul 12, 2018

Setting Income Goals For A Winning Retirement

“You Keep Livin’, We’ll Keep Payin’” – lottery spokeswoman, Christy Calicchia.  Most people, while they only dream of winning a lottery, understand the concept between a big lump sum payout and an annuity that says something like “either win $1 million today or win $1,000 a week for life.”  Though the concept is clear, and in…

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Jun 19, 2018

Monitoring Progress Toward an Income Goal

In a previous blog post, I described some benefits of having an income goal and a method of estimating one’s retirement income liability. I reviewed a hypothetical example to illustrate steps 1-2 from the list of benefits below, and I calculated a net estimated retirement liability (the portion of retirement income one must fund with…

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Jun 4, 2018

The Benefits of Having a Retirement Income Goal and How to Estimate It

Individuals preparing for life after full-time employment may find that planning for a particular range of inflation-adjusted retirement income is more effective than planning for a particular range of wealth. Wealth levels are unintuitive because they do not provide practical spending guidelines. They are also heavily influenced by random variables (market returns). Using one’s wealth…

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May 1, 2018

Communicating Income: Lessons From Behavioral Finance

In my recent book, The Behavioral Economics Approach to Winning New Clients (and Keeping the Ones You Have!), I offer a dozen recommendations to financial advisors charged with stewarding their clients’ assets to ultimately improve the relationship between client and advisor.  Several lessons are devoted to communication, specifically ways to employ trust, loss aversion and…

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Apr 19, 2018

Standard Benchmarks Extend Standard of Living Through Retirement

What are the steps in selecting a retirement income option?  Of course cost is one of the considerations, but did you know ERISA does not require selecting the lowest cost investments?  These questions and more are explored in a recent video with Ian Kopelman (DLA Piper), and Tim Kohn (Dimensional Fund Advisors): What are some best…

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