Unlocking Hidden Returns: How Mortality Credits Boost Retirement Income
Money For the Rest of Us
J. David Stein
4.3 • 1.3K Ratings
🗓️ 19 February 2025
⏱️ 30 minutes
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Summary
How using a deferred income annuity can increase retirement income compared to an immediate annuity or a bond ladder.
Topics covered include:
- How immediate annuities and deferred income annuities work
- What are mortality credits, and why they are a key diversifier
- Examples of how mortality credits lead to a 1% to 1.5% higher annualized return over several decades
- How to decide whether an annuity is right for you
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Show Notes
Related Episodes
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Transcript
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| 0:00.0 | As a long-term investor, you need long-term insights. |
| 0:03.5 | Use Asset Camp to look past speculative market hype |
| 0:06.5 | and understand past performance, current trends, |
| 0:09.7 | and model expect returns for stock and bond indexes. |
| 0:12.8 | Markets move in cycles. |
| 0:14.2 | Don't miss what's next. |
| 0:15.9 | Get a seven-day free trial at Assetcamp.com. |
| 0:19.6 | That's A-S-S-S-C-A-M-P.com. Welcome to money for the rest of us. |
| 0:25.9 | This is a personal finance show on money, how it works, how to invest it, and how to live without |
| 0:31.5 | worrying about it. I'm your host, David Stein. Today is episode 512. It's titled, Unlocking Hidden Returns, How Mortality Credits |
| 0:40.1 | Boost Retirement Income. For the past six months, I've been part of a working group that |
| 0:45.2 | is seeking to pull together some best practices for financial planners and advisors. |
| 0:50.9 | This group is made up of some very smart advisors, very well known. Now, I'm not a |
| 0:56.1 | financial planner. My expertise is in investing, so I'm not sure how I got invited, but I have found it |
| 1:02.7 | incredibly interesting. I certainly have given a lot of thought to financial planning and |
| 1:10.3 | advisory practice, especially when it comes to annuities. |
| 1:14.3 | We've done over a dozen free and premium plus episodes on different types of annuities. |
| 1:22.7 | Up until the great financial crisis, I knew very little about annuities. We were managing assets for financial |
| 1:29.7 | advisors, and I met with some of their clients and saw how shell-shock they were, having lost a lot |
| 1:37.3 | of money in the downturn, where the stock market fell close to 60%. And that sent me looking for |
| 1:43.8 | other solutions that could help retirees that didn't |
| 1:48.0 | want to be exposed to market risk, or at least to the extent that they had been. And that is where |
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