What Advisors Don’t Know About Variable Annuities: How VAs Fit Into a Client’s Portfolio
Properly assessing the viability of a variable annuity for a particular client entails considerably more than just adding it alongside a standard model portfolio.
What Advisors Don’t Know About Variable Annuities: Market Conditions and VAs
In part four of our series, we look at how market conditions affect variable annuities. VAs may appear, on paper, to be a win-win, but the reality is more nuanced.
What Advisors Don’t Know About Variable Annuities: GLIBs
In the third post of our series on variable annuities, we look at the choices policyholders need to make regarding the guaranteed lifetime income benefit.
What Advisors Don’t Know About Variable Annuities: How GLWBs Work
Fees are based on the portfolio’s high-water mark, and the VA holder is actually making payments to himself from his own money until all those funds are exhausted.
What Advisors Don’t Know About Variable Annuities: VA Mechanics
To understand how VAs differ and where they fit in a client’s portfolio, first understand their common traits, like how a guaranteed withdrawal rate actually works.
Focusing on Volatility: When Risk Management Pays Off
A well-managed risk reduction campaign can be effective in limiting downside losses without giving up too much of a client’s prospective upside
What Behavioral Finance Teaches on How to Discuss Risk With Clients
The lessons of behavioral finance: avoid focusing on short-term volatility when the objective is long-term growth.
How to Arrive at Better Capital Markets Forecasts
A process for making forecasts that actually make a difference in clients’ portfolios
Advisor First Steps in Constructing Capital Market Assumptions
A shopping list advisors can use to test any capital markets assumptions modeling tool.
How Advisors Can Implement Liquid Alternatives in Strategic Portfolios
The latest in a series on portfolio construction with alternatives: using cluster analysis to build and then test alternatives in a portfolio