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Annuity vs drawdown: the best option for a £100k, £500k and £1m pension

One offers low income for no risk but the other involves buying stocks. Which is best for you? ....

David Stevens , Amy Pethers , Brewin Dolphin , Telegraph Money , Mo Ney , Financial Planning For Retirement , Pensions And Retirement , டேவிட் ஸ்டீவன்ஸ் , ப்ரெவின் டால்பின் , தந்தி பணம் , நிதி திட்டமிடல் க்கு ஓய்வு , ஓய்வூதியங்கள் மற்றும் ஓய்வு ,

Options beneficiaries have at death on retirement products

Options beneficiaries have at death on retirement products

By Sonia du Plessis
When looking at retirement products, one needs to differentiate between “pre-retirement” and “post retirement” products, as their treatment and options are different in the event of the owner’s death. It is also important to know what taxes are involved when money gets transferred to the beneficiary.
“Pre-Retirement”
Sonia du Plessis
RA’s, Provident, Pension and preservation funds. The value of the investment is excluded from the estate of the deceased.
On death prior to retirement the fund will be paid to the nominated beneficiaries (subject to Section 37C of the Pensions Fund Act) or to your estate. This is vitally important in that under S37C, the Trustees of the fund have the right (and obligation) to determine who the dependants of the deceased are and allocate the investment to the dependants. The trustees have up to 12 months to make this determin ....

South Africa , Pensions Fund , Pensions Fund Act , Pension Funds , Living Annuity , Life Annuity , Linked Living Annuity , Retirement Tax Tables , Brenthurst Wealth , Pension Funds , Retirement Products , Usiness News , South Africa , ஓய்வூதியங்கள் நிதி , ஓய்வூதியங்கள் நிதி நாடகம் , ஓய்வூதியம் நிதி , வாழும் வருடாந்திரம் , வாழ்க்கை வருடாந்திரம் ,

Annuity vs drawdown: the best option for a £100k, £500k and £1m pension

Annuity vs drawdown: the best option for a £100k, £500k and £1m pension
One offers low income for no risk but the other involves buying stocks. Which is best for you?
3 May 2021 • 5:00am
Retirees have more options than ever before when it comes to how they want to spend their pension pot. But with choice comes more responsibility, and more room for error.
The once-favoured annuity has fallen in popularity as rates have dropped to the extent most buyers are unlikely to get even their initial investment back.
Many have favoured the more flexible option of dipping into their nest egg as and when they need the cash, known as “drawdown”. While this may work for most retirees, a guaranteed income for the rest of your life does have its merits. ....

David Stevens , Amy Pethers , Brewin Dolphin , Telegraph Money , Mo Ney , Financial Planning For Retirement , Pensions And Retirement , டேவிட் ஸ்டீவன்ஸ் , ப்ரெவின் டால்பின் , தந்தி பணம் , நிதி திட்டமிடல் க்கு ஓய்வு , ஓய்வூதியங்கள் மற்றும் ஓய்வு ,

Regulation, fee-for-service model blocking annuities

Regulation, fee-for-service model blocking annuities
smsfadviser.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from smsfadviser.com Daily Mail and Mail on Sunday newspapers.

Teagan Altschwager , Tony Zhang , Orford Foundation , Orford Initiative , University Of Melbourne , Central Provident Fund , டோனி ஜாங் , ஆர்ஃபர்ட் அடித்தளம் , ஆர்ஃபர்ட் முயற்சி , பல்கலைக்கழகம் ஆஃப் மெல்போர்ன் , மைய வருங்கால நிதி ,

Put options power up variable annuities

Risk.net
Insurance quants increase risk-adjusted profits using novel hedging technique
But there is no standard way for insurance companies to hedge the risk of variable annuity contracts.
Two industry practitioners have put forward a new hedging method using protective put options. They estimate that the technique can improve risk-adjusted profits for insurers’ variable annuity portfolios by 60%.
The improvement comes from two sources: more efficient use of options as a hedging tool, and a reduction in the capital charges for insurers.
The approach is based on the assumption that a variable annuity can technically be seen as an option on the future value of the premiums. “The liabilities can be modelled as long-dated options and we use short-dated put options to hedge them. And we are framing how to calculate that hedge and optimise capital requirements,” explains Vivek Shah, who oversees investment and hedging solutions at Prudential plc in London. Shah ....

City Of , United Kingdom , Vivek Shah , Benoit Vaucher , Jackson National Life , Edhec Business School , Edhec Business , Annuity Portfolio , Capital Requirements , Put Option , Risk Based Capital , Variable Annuities , Four Take , நகரம் ஆஃப் , ஒன்றுபட்டது கிஂக்டம் , விவேக் ஷா , ஜாக்சன் தேசிய வாழ்க்கை , வருடாந்திரம் போர்ட்‌ஃபோலீயோ , மூலதனம் தேவைகள் , போடு விருப்பம் , ஆபத்து அடிப்படையிலானது மூலதனம் , மாறி வருடாந்திரங்கள் , அவர் எடுத்துக்கொள்ளுங்கள் ,